Flagship Metal Business Card — 16.6% Return on Tax & GST, Unlimited Lounges & Taj Vouchers
High-net-worth entrepreneurs, business founders, and corporate directors paying substantial advance tax, GST, vendor bills, and business travel expenses.
₹10,000
One-time upfront₹10,000
Waived on ₹7.5 lakh annual spend5 Reward Points per ₹150 spent (3.33% base return)
On eligible spendsUnlimited Domestic & International
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HDFC Bank BizBlack Metal Edition Credit Card is India's most powerful business and commercial credit instrument, engineered specifically for high-turnover business founders, corporate directors, and self-employed professionals. Encased in solid metal, BizBlack revolutionizes business expenditure by offering an extraordinary **5X Reward Points (equivalent to a 16.6% return)** on commercial tax payments, GST settlements, business utility bills, vendor software, and SmartBuy business travel bookings. For businesses remitting lakhs of rupees in quarterly advance taxes and monthly GST filings, BizBlack transforms unavoidable corporate statutory liabilities into massive travel rewards: every ₹150 spent on these categories earns 25 Reward Points, with **1 Reward Point equaling exactly ₹1.00** when redeemed for flight tickets or hotel stays on HDFC SmartBuy. The card also optimizes operational working capital by offering an extended interest-free commercial credit cycle of **up to 55 days**. Airport privileges match HDFC's luxury consumer benchmarks: **unlimited complimentary domestic and international airport lounge access** for both primary and add-on cardholders, paired with **8 complimentary guest visits annually via Priority Pass**. New cardholders who spend ₹1.5 Lakhs in the first 90 days receive a **₹5,000 Taj Stay voucher** and a complimentary 1st-year **Club Marriott membership**. With a manageable annual fee waiver at ₹7,50,000 spend (which any active business easily crosses), BizBlack Metal is an indispensable financial asset for any Indian enterprise.
Earn 25 Reward Points per ₹150 (16.6% return) on statutory tax payments, GST, commercial utilities, and vendor software tools, capped at 7,500 points/cycle.
Enjoy unconditional unlimited complimentary domestic lounge visits across India and international visits worldwide via Priority Pass for primary and add-on cardholders.
Benefit from up to 55 days of interest-free credit to optimize business cash flow and vendor payment schedules.
Complimentary first-year Club Marriott membership delivering up to 20% off on food and beverage and accommodation across participating Asia-Pacific properties.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Business Spends (Tax, GST, Software, Utilities, SmartBuy) | 5X Reward Points (16.6% return) on Income Tax, GST, utilities, vendor software & SmartBuy travel (requires min ₹50K monthly spend; max 7,500 pts/cycle) | 7,500 Reward Points / statement cycle | Standard terms apply |
| All Other Business Spends | 5 Reward Points per ₹150 spent on general business retail (3.33% base return; 1 RP = ₹1.00 on travel) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Business Spends (Tax, GST, Software, Utilities, SmartBuy) | ₹12,000 | 5X Reward Points (16.6% return) on Income Tax, GST, utilities, vendor software & SmartBuy travel (requires min ₹50K monthly spend; max 7,500 pts/cycle) | — | ₹7,500/statement_cycle | Calculating... | Under cap |
| All Other Business Spends | ₹18,000 | 5 Reward Points per ₹150 spent on general business retail (3.33% base return; 1 RP = ₹1.00 on travel) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹10,000
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend ₹1.5 Lakh in the first 90 days of card issuance to receive ₹5,000 Taj stay voucher and 1-year Club Marriott membership.
Earn ₹5,000 flight or hotel voucher on every ₹5 Lakh spent in an anniversary year, up to ₹20,000 total vouchers per year.
Spend ₹7,50,000 or more in an anniversary year to receive a 100% waiver of the ₹10,000 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹10,000 + 18% GST (includes handcrafted metal credit card body). • Annual Renewal Fee: ₹10,000 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual renewal fee waived on achieving cumulative business spends of ₹7,50,000 or more in the preceding anniversary year. • Welcome Benefit: ₹5,000 Taj Stay voucher + complimentary 1st-year Club Marriott membership upon spending ₹1.5 Lakhs in first 90 days. • Accelerated Business Rewards: 5X Reward Points (25 RPs per ₹150 spent, equivalent to a 16.6% return) on commercial taxes, GST, utilities, vendor software, and SmartBuy travel. • General Business Rewards: 5 Reward Points per ₹150 spent (3.3% base return) on all other eligible business transactions. • Point Valuation: 1 Reward Point = ₹1.00 when redeemed for flights and hotels on HDFC SmartBuy. • Domestic Lounge Access: Unlimited complimentary domestic airport lounge access for primary and add-on cardholders. • International Lounge Access: Unlimited complimentary international airport lounge access via Priority Pass with 8 complimentary guest visits annually. • Working Capital Advantage: Up to 55 days of interest-free commercial credit period. • Foreign Currency Markup: 2.00% + GST on foreign exchange transactions. • Finance Charges (APR): 3.60% per month (43.20% annualized) on revolving commercial balances.
Evaluate whether this card's perks and waiver threshold justify its ₹10,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding HDFC Bank BizBlack Metal Edition Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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