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

Updated: Jul 10

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.


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


  • Get Club Marriott Annual Membership + Taj Stay Voucher worth INR 5000 on spends of INR 1.5 lakhs within first 90 days.

  • Avails up to 20% discounts for dining, stay, and spa services with Marriott membership across Asia.


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


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  • Cash advance fees: 2.5% of the withdrawn amount (min INR 500)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







 
 
 

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