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HDFC Bank Biz Black Metal Edition Credit Card

HDFC Bank Biz Black Metal Edition Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
HDFC Bank Visa Super-Premium 🛡️ Metal Card

Join / Annual

₹0/₹10000

Base Rate

3.33%

Reward Type

Points

Overview

The HDFC Bank Biz Black Metal Edition Credit Card is a Super-Premium credit card issued by HDFC Bank on the Visa network. It offers a base reward rate of 3.33% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹10,000
Eligibility: Self-employed with annual ITR > ₹30 Lakhs and CIBIL score ≥ 750.

Reward Rates & Cashback Rules

  • CATEGORY – Tax: 16.67% cashback | monthly cap ₹1875.0 ⚠️ 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle.
  • CATEGORY – Utilities: 16.67% cashback | monthly cap ₹1875.0 | via PayZapp or SmartPay ⚠️ 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle.
  • CATEGORY – Travel: 16.67% cashback | monthly cap ₹1875.0 | via SmartBuy BizDeals ⚠️ 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle. Applies to flight and hotel bookings.
  • CATEGORY – Software: 16.67% cashback | monthly cap ₹1875.0 | via SmartBuy BizDeals ⚠️ 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle. Applies to business productivity tools like Tally, Office 365, AWS, Google Ads.
  • MERCHANT – Flipkart: 33.33% cashback | via SmartBuy BizDeals ⚠️ Rate is up to 10X (50 points per ₹150). Total monthly rewards are capped at 1,50,000 points.
  • MERCHANT – MakeMyTrip: 33.33% cashback | via SmartBuy BizDeals ⚠️ Rate is up to 10X (50 points per ₹150). Total monthly rewards are capped at 1,50,000 points.
  • CATEGORY – Insurance: 3.33% cashback | monthly cap ₹1250.0 ⚠️ Reward points on insurance transactions are capped at 5,000 per month.
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points on fuel spends. A 1% fee may apply on spends over ₹15,000.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points on wallet loads.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points on rent payments. A 1% fee applies.
  • CATEGORY – Education: 0.0% cashback ⚠️ No reward points on educational services.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points on EMI transactions.

Key Features & Benefits

  • Unlimited Airport Lounge Access ✈️: Unlimited complimentary domestic and international airport lounge access for both primary and add-on card members.
  • Welcome Benefits 🎁: Complimentary Club Marriott annual membership and a Taj Stay voucher worth ₹5,000 on spending ₹1.5 lakh within the first 90 days.
  • Milestone Vouchers 🏆: Get a flight or Taj Stay voucher worth ₹5,000 on every ₹5 lakh spent, up to 4 times a year (max ₹20,000 in vouchers).
  • Golf Privileges ⛳: 6 complimentary golf games per quarter at select courses worldwide.
  • Business Insurance 🛡️: Includes a business insurance package (fire, burglary) and a credit liability cover of up to ₹9 lakh.

Eligibility Criteria

Self-employed with annual ITR > ₹30 Lakhs and CIBIL score ≥ 750.

Features & Benefits

✈️

Unlimited Airport Lounge Access

Unlimited complimentary domestic and international airport lounge access for both primary and add-on card members.

🎁

Welcome Benefits

Complimentary Club Marriott annual membership and a Taj Stay voucher worth ₹5,000 on spending ₹1.5 lakh within the first 90 days.

🏆

Milestone Vouchers

Get a flight or Taj Stay voucher worth ₹5,000 on every ₹5 lakh spent, up to 4 times a year (max ₹20,000 in vouchers).

⛳

Golf Privileges

6 complimentary golf games per quarter at select courses worldwide.

🛡️

Business Insurance

Includes a business insurance package (fire, burglary) and a credit liability cover of up to ₹9 lakh.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Tax
Reward: 16.67% Monthly Cap: ₹1875.0
⚠️ Exceptions: 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle.
16%
Utilities Via PayZapp or SmartPay
Reward: 16.67% Monthly Cap: ₹1875.0
⚠️ Exceptions: 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle.
16%
Travel Via SmartBuy BizDeals
Reward: 16.67% Monthly Cap: ₹1875.0
⚠️ Exceptions: 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle. Applies to flight and hotel bookings.
16%
Software Via SmartBuy BizDeals
Reward: 16.67% Monthly Cap: ₹1875.0
⚠️ Exceptions: 5X rate (20 bonus points per ₹150) applies only after spending ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle. Applies to business productivity tools like Tally, Office 365, AWS, Google Ads.
16%
Flipkart Via SmartBuy BizDeals
Reward: 33.33%
⚠️ Exceptions: Rate is up to 10X (50 points per ₹150). Total monthly rewards are capped at 1,50,000 points.
33%
MakeMyTrip Via SmartBuy BizDeals
Reward: 33.33%
⚠️ Exceptions: Rate is up to 10X (50 points per ₹150). Total monthly rewards are capped at 1,50,000 points.
33%
Insurance
Reward: 3.33% Monthly Cap: ₹1250.0
⚠️ Exceptions: Reward points on insurance transactions are capped at 5,000 per month.
3%
Fuel Exclusion
⚠️ Exceptions: No reward points on fuel spends. A 1% fee may apply on spends over ₹15,000.
Wallet Load Exclusion
⚠️ Exceptions: No reward points on wallet loads.
Rent Exclusion
⚠️ Exceptions: No reward points on rent payments. A 1% fee applies.
Education Exclusion
⚠️ Exceptions: No reward points on educational services.
EMI Exclusion
⚠️ Exceptions: No reward points on EMI transactions.

Value Chart

Assuming basic spends for HDFC Bank Biz Black Metal Edition Credit Card

Category HDFC Bank Biz Black Metal Edition Credit Card Axis Bank Reserve Credit Card Axis Bank Olympus Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0
₹
Annual Fee 		₹10000 ₹50000 ₹20000
🌍
Forex Markup 		3.5% 3.5% 3.5%
%
Base Rate 		3.33% 7.5% 1.0%
★
Known Rules 		12 rules 9 rules 10 rules

Pros & Cons

✓

Pros

  • + Tax — 16.67% Points (cap ₹1875.0)
  • + Utilities — 16.67% Points (cap ₹1875.0)
  • + Travel — 16.67% Points (cap ₹1875.0)
  • + Software — 16.67% Points (cap ₹1875.0)
  • + Flipkart — 33.33% Points
  • + Unlimited Airport Lounge Access
  • + Welcome Benefits
  • + Milestone Vouchers
  • + Golf Privileges
✗

Cons

  • − No reward on Fuel — No reward points on fuel spends. A 1% fee may apply on spend
  • − No reward on Wallet Load — No reward points on wallet loads.
  • − No reward on Rent — No reward points on rent payments. A 1% fee applies.
  • − No reward on Education — No reward points on educational services.
  • −High annual fee of ₹10000
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹9990

Annual Fee

₹10000

Net Value

₹-10

⚠️ At ₹3L/year spend, the fee outweighs base rewards. This card pays off only through benefits like lounge access, milestone rewards, or high-spend categories.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › Your monthly spends are below ₹25,000 — fee won't be recovered
  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹10,000 + GST. It can be waived by spending ₹7.5 lakh or more in the previous card anniversary year.

The foreign currency markup fee is 2% of the transaction amount, which is lower than the standard 3.5% on many other cards.

The card offers unlimited complimentary domestic and international airport lounge access for both primary and add-on cardholders.

You earn 25 points per ₹150 on select categories (like tax, bill pay, travel) after you spend a minimum of ₹50,000 in a statement cycle. The bonus points are capped at 7,500 per cycle.

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