ITR Date Extension 2025: Best Credit Card to Get 5% Cashback on Income Tax Payment

The season of filing income tax returns is upon us yet again—and with that comes relief and urgency both. The government has announced that the income tax filing due date has been extended; this ITR date extension 2025 gives taxpayers a little more breathing room to prepare their documents, calculate their dues, and choose the optimal way to pay tax. One of the smartest moves in this extended window? Using the HDFC Biz Black (Metal Edition) Credit Card, which offers 5X reward points (effectively ~5% cashback) on income tax payments. Below is everything you need to know: penalty for late filing, how the card works, other benefits, fees & charges, eligibility, and how to make the most of this due date extension.

Income tax filing has been extended by one day(ITR Date Extension 2025)

With the income tax return filing due date extended this year, taxpayers get some additional time beyond the original deadline. The income tax return filing date extension helps people gather documents, reconcile incomes, check deductions, and sometimes even raise questions if they need professional help. Because of the income tax date extension, there’s less panic and more opportunity to do things the right way rather than rushing.

This extension means that if your due date for filing your ITR was, say, 31 July, you might now have until 1 August or another date officially notified. It’s always good to check the government’s tax portal for the last date of the ITR return to avoid any penalties. Terms like ITR due date extension, ITR filing deadline extension, and income tax return extended due date are what many are searching for. This break in timing can also be leveraged to plan payments smartly, including paying using credit cards, which might yield cashback or rewards.

Penalty in case of filing late income tax

Even with the ITR filing deadline extended, missing the final cut-off (after extension) will still incur penalties. Here’s what to be aware of:

• Late filing of ITR (after the last date of ITR return) may lead to a penalty under Section 234F. Depending on income and how late the return is filed, this can be several thousand rupees.

• Interest under Section 234A may also be applicable for a delay in filing, even if the tax payment was made.

• If tax is unpaid or underpaid, additional interest under Sections 234B / 234C also comes into play.

• Late filing can also affect carry forward of losses, or eligibility for certain deductions or benefits if the return is not in time.

So, although the income tax return extension date gives extra time, missing even that extended deadline has consequences. It makes sense, therefore, to not only file on time but also to plan tax payments in ways that maximize benefit.

HDFC Biz Black Credit Card

When you see offers about “5% cashback” or “5X rewards” on income tax payment, often that refers to credit cards giving accelerated rewards for government payments, including income tax or advance tax / GST. The HDFC Biz Black Metal Edition Credit Card is one such premium business card that

allows reward points at an accelerated rate on income tax / advance tax payments made via the income tax e-payment portal (e.g., eportal.incometax.gov.in).

Here’s what is relevant

• The card gives 5X Reward Points (i.e., accelerated reward rate) on business‐related spends like Income Tax / Advance Tax payments via income tax portal, GST payments, bill payments via PayZapp or SmartPay, etc.

• Effectively, when reward points are converted or redeemed appropriately, this can act like ~5% value (depending on redemption method,) especially for frequent business/tax-related payments.

• The offer of “5% cashback” on income tax payments is part of certain offers for HDFC Business cards, including Biz Black, though sometimes the “cashback or voucher” offers are limited in time or subject to conditions.

  
  

So with the ITR date extension in 2025, using this card during the extended period to make your income tax payment can give you 5X rewards points and/or cashback (if offers apply), making your tax payment work a little in your favor. Keywords like income tax payment, due date, filing income tax return, income tax return extended due date, etc. They are essential when people search for how to take advantage of such extensions.

Other Benefits

Beyond getting 5X Reward Points on income tax / advance tax payments and other business spends, the HDFC Biz Black Metal Edition card has several premium benefits. Here are key ones:

1. Interest-Free Credit Period: The card offers up to 55 days' interest-free period on purchases.

2. Unlimited Airport Lounge Access: Domestic & international lounges, for both primary and add-on card members.

3. Lifestyle / Travel Perks:

   • Complimentary Taj Stay vouchers and/or Club Marriott membership as welcome benefits.

   • Flight or hotel stay vouchers on achieving milestone spends (e.g., vouchers on every ₹5 lakhs spend,) etc.

4. Business Spend Rewards: On large monthly business-related expenses, GST, vendor payments, productivity tool spends, bill payments via SmartPay / PayZapp, etc. These are all eligible for 5X rewards if you meet minimum spend thresholds.

5. Golf & Other Lifestyle Perks: Number of complimentary golf rounds every quarter.

6. Milestone Benefits: Vouchers or rewards when you cross certain spend thresholds in a year.

Thus, it is not just “5% cashback or rewards on tax” that makes the card attractive—they are just part of a larger package of luxury, travel & business benefits.

Fees and charges

No premium card comes without costs. To decide whether HDFC Biz Black is right for you, know the fees & charges:

Charge	Amount / Condition
Joining / Membership Fee	₹10,000 + applicable taxes.
Renewal Fee	Also, ₹10,000 + taxes each year, unless the fee is waived under certain conditions.
Fee Waiver Conditions	If you spend ₹7.5 lakhs in an anniversary year (12 billing cycles), the renewal fee can be waived. Also, for the first year, if you spend ₹1.5 lakhs in the first 90 days, you may get the joining fee waived.
Additional Charges	Processor fees or convenience fees might apply when making payments with a credit card for income tax or government portal transactions. There can be ~0.8‐0.85% extra charge for the payment gateway, plus applicable GST. This reduces the net benefit from 5X rewards/cashback.
Reward Cap or Condition	To unlock 5X rewards, you often need a minimum business spend per month (for example, ~ ₹50,000) or specific categories. Also, there may be caps on how many reward points you can earn in those categories.

So, although the card has good reward potential (especially when the income tax return filing date extension gives more time), you must ensure that the charges don’t overshadow the gain.

Eligibility

Who can apply / qualify for HDFC Biz Black Metal Edition? Here are the eligibility criteria based on the latest data:

• Must be a self-employed Indian citizen, aged between 21 years to 65 years.

• Annual ITR (income tax return) above ₹21 lakh or sometimes as per the latest criteria above ₹21–₹22 lakh. Some sources say ITR exceeding ₹21 lakh or ₹22 lakh.

• Good credit history, etc. You may need to show ITR, GST returns, bank statements/business documentation.

  
  

  So if your income is less, or if you are salaried but not self-employed, you may not qualify for this particular card.

If you want to know the unbiased AI score of this Credit Card, read the detailed review. Click here

How to Use This Card Wisely for ITR Payment During the Due Date Extension

Given the income tax return extension date, here are tips to maximize benefits using HDFC Biz Black:

1. Check the extended last date of ITR carefully for your category (self-employed / business / salaried). Use that window for tax payment so that you also get reward points or cashback before deadlines or the end of the offer period.

2. Make your income tax / advance tax payment via the official portal (e.g., eportal.incometax.gov.in) using your Biz Black card. That category is eligible for 5X rewards (on select) or sometimes special cashback offers.

3. Ensure you meet the minimum spend requirement (if any) for the 5X reward to be valid. For example, the brochure says a monthly spend threshold of ₹50,000 in business spends to unlock a 5X rate. Without meeting that, you might get a lower reward rate.

4. Account for processing fees / convenience charges when paying tax via credit card. If the fees are too high, the net benefit may drop. Try to time the payment when offers waive or reduce such fees, if possible. Also, check whether cashback/voucher offers are valid post the date extension.

5. Redeem reward points smartly—for travel or partner offers rather than just statement credits, if their value is higher. Some redemption options give more per point.

6. Don’t let the renewal/joining fee negate your benefit—if you are close to the fee-waiving thresholds (e.g., ₹7.5 lakh spend in 12 billing cycles, etc.), plan your spending accordingly.

Does this card literally give “5% cashback” or is it 5X Rewards Points?

A note of clarity: Often, when marketing says “5X rewards,” it doesn’t always mean flat 5% cashback in all cases. It means you earn 5 times more reward points in certain eligible categories. Depending on how much each reward point is worth on redemption, sometimes that might approximate 5%, less. For example:

• If 1 reward point = Rs. 0.30 when redeemed against statement / shopping vouchers, then 5X might work out to ~1-2% effective value, unless you redeem via premium channels where value per point is higher.

• But for some large spends in eligible business spends, including income tax, if there are accompanying cashback or special offer promotions, the actual benefit can approach ~5%.

So yes, under certain conditions, you can get a similar benefit to “5% cashback”, but always check the fine print. Terms like income tax date extended, ITR due date extended, etc., are helpful keywords to find promotions.

Conclusion

With the income tax return filing due date extended in 2025, taxpayers have a golden opportunity to make smarter tax payments. If you’re self-employed or running a business and qualify for the HDFC Biz Black Metal Edition Credit Card—and can meet its spend/eligibility/fee thresholds—this card is one of the best tools for getting near-5% value (via 5X rewards) when you pay income tax or advance tax.

However, it’s not for everyone. If the fees, eligibility, or spend requirements are too steep, you might find a lower-end card or an alternate approach more economical. But for those who can use it well, this ITR date extension allows some financial breathing room to decide, calculate, and execute tax payments in a way that rewards you, rather than only costing you.

FAQs

What is the last date of ITR return filing now, after the extension?

The exact income tax return filing date extension is notified by the Income Tax Department. Depending on your category (salaried, self-employed, or business), the deadline may vary. Always check the e-filing portal for the updated deadline

Can I still get the 5X rewards / “5% cashback” on tax payments after the extension?

Yes, if the offer is live and you use the eligible card to pay via the income tax payment portal, you should. Make sure to check that the offer period hasn’t expired—some special cashback offers are valid only till certain dates. Also, ensure you meet the minimum spend / other conditions.

Do I have to pay extra fees when paying income tax via credit card?

Usually yes. There is often a convenience/processing fee (maybe ~0.8-0.85% + GST) when using credit cards for government payments. These fees reduce net benefit. Check the portal and the bank’s terms.

What if I don’t meet the monthly spend threshold for 5X rewards?

Then you’ll likely get standard reward points, which are lower. So you might get fewer points per rupee spent. The 5X rate is conditional on achieving certain spend levels, e.g., ₹50,000 business spends, selecting categories, etc.

What eligibility is needed for HDFC Biz Black?

Self-employed Indian citizen, age between 21-65, and ITR above ~₹21-₹22 lakh. Also, good credit history and ability to spend in card categories.