HDFC Biz Black Metal Edition Credit Card: Is It Good for Self-Employed Professionals?

In today's blog, we will provide you the information about the HDFC Biz Black Metal Edition Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:

The HDFC Biz Black Metal Edition Credit Card is a high-end business credit card designed for self-employed professionals and business owners with monthly expenditures. It provides a premium lifestyle to the users along with business-centric rewards. This card is excellent for affluent professionals seeking rewards, travel benefits, and all rolled into one sleek metal card. This card is especially designed for high-net-worth individuals.

This card turns everyday business expenses into something more rewarding. Whether you’re booking last-minute flights, paying for office essentials, hosting client dinners, or even making big purchases, it quietly stacks up rewards that you can put to good use later. Plus, the travel perks like airport lounge access make those long work trips a little less tiring and a lot more comfortable.

What Are The Welcome Benefits Of HDFC Biz Black Metal Edition Credit Card?

• Welcome benefit:Users will get a Club Marriott annual membership and Taj stays voucher worth Rs 5000 on spends of  Rs Rs 1.5 Lakhs within the first 90 days. Users can avail up to 20% discounts for dining, stay & spa service with Club Marriott membership across Asia–Pacific region.

What Are The Milestone Benefits Of HDFC Biz Black Metal Edition Credit Card?

• Milestone benefit:Users will get a SmartBuy flight/Taj stay voucher worth Rs 5000 for every Rs Rs 5 Lakhs spent. (All retail spends excluding rent and petrol) and will get vouchers worth Rs 20,000 in a calendar year for every Rs Rs 20 Lakhs spent.

What Is The Cashback Rate Of HDFC Biz Black Metal Edition Credit Card?

• Reward System:  1 reward point = Upto Rs. 1. 

• 5% cashback on selected business spends such as (a) Bill payment via Payzapp & SmartPay, (b) Income Tax/ Advance tax payment via eportal.incometax.gov.in, (c) GST payment via payment.gst.gov.in, (d) hotel & flight booking on MMT MyBiz by SmartBuy BizDeals, (e) business productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei. 

• 5X Reward Points applicable on minimum spends INR 50,000 in statement cycle.

• A minimum of 2500 RP is needed to redeem reward points against the statement balance. 

What Are The Pros Of Having HDFC Biz Black Metal Edition Credit Card?

• High Reward Potential: Earn up to 5X reward points on major business categories like taxes, GST, utility bills, travel bookings, and software tools.

• Premium Travel Benefits: Unlimited airport lounge access (domestic & international) for both primary and current users.

• Complimentary 6 golf games per quarter, with concierge booking support.

• Business Centric: Ideal for those who regularly spend on taxes, utility bills, software tools, and business travel.

What Are The Cons Of Having HDFC Biz Black Metal Edition Credit Card?

• High Annual & Joining Fee

• Diners Club Network Limitations

• Prompt Rewards Require High Spend

Fees And Charges:

• Joining fees: INR 10,000/- plus taxes.

• Annual fees: INR 10,000/- plus taxes.

• Cash advance fees: Cash advance fee:2.5% or INR 500, whichever is higher.

• Late payment charges: Late payment charges: INR 100 to 1300.

• Interest rate: Interest rate: 1.99% monthly, 23.88% annually.

  
  

Eligibility:

• Self‑employed applicants: Must be between 21 and 65 years of age.

• Annual ITR requirement: Need to show an ITR of INR 30 lakh or above to be eligible. 

• Annual ITR requirement: the user needs to show an ITR of INR 30 lakh or above to be eligible

  
  

What Are The Joining And Annual Fees Of HDFC Biz Black Metal Edition Credit Card?

• Joining Fees: INR 10,000 + GST (waived on INR 1.5 lakh spend in 90 days)

• Annual fees: INR 10,000 + GST (waived on 7.5 lakh annual spend)

• Foreign currency markup: 2% + GST (on international transactions)

• Cash advance fees: 2.5% of the withdrawn amount (min INR 500)

• Reward redemption fees: INR 99 + GST per redemption

• Interest rate: ~3.6% per month (43.2% annually), if revolved.

  
  

Conclusion:

The HDFC Biz Black Metal Edition Credit Card is a premium business card customized for high-spending self-employed professionals and entrepreneurs. It anticipates powerful rewards on tax payments, travel, and business expenses, and it offers one of the highest reward rates in the market.

The card also offers strong lifestyle perks, including unlimited lounge access, golf benefits, Club Marriott membership, and premium concierge services.

It may not be suitable for users with lower or irregular spending. In conclusion, the HDFC Biz Black Metal Edition Card offers excellent value—but only if used smartly and economically.

One of the strongest points of this card is how it rewards you for almost everything you do, booking flights, paying for hotels, hosting clients, or covering operational costs. Over time, these rewards add up and can be redeemed for travel, shopping, or other indulgences, making your expenses feel far more rewarding. The generous airport lounge access, concierge services, and travel protections also ensure that your journeys, whether for business or leisure, are smoother and more comfortable.

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