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Writer's pictureAbhijeet Saxena

Why HDFC Biz Black Metal Edition Credit Card is the Ultimate Choice for Business Owners




HDFC has in a way created the category of business credit cards in India single handedly. The HDFC Biz Black Metal Edition Credit Card is one such business credit card from HDFC which stands out as a top-tier option for entrepreneurs and business owners/freelancers looking to streamline their financial transactions and get a basket full of benefits. Let's delve into the benefits, cons, and fees associated with this credit card.


Benefits of HDFC Biz Black Metal Edition Credit Card


  • Welcome benefit: Users will get a Club Marriott annual membership and Taj stays voucher worth INR 5000 on spends of  INR 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.

  • Reward system: Users will receive 5 reward points for every INR 150 spent. General cashback rate: 1%. Effective cashback rate for redeem on SmartBuy (against flights/hotel booking): 3.33%. Effective cashback rate for redeeming against product catalogue via net banking & SmartBuy: up to 1.66%. Effective cashback rate for Airmiles conversion via net banking: 3.33%. Effective cashback rate for catalogue via net banking & SmartBuy is: up to 3.33%.

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

  • Users can maximize business savings with 5X reward points 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

  • Up to 40% savings on business travel and software purchases on smartbuy.hdfcbank.com/business.

  •  Small Medium Enterprise (SME): Users can avail special offers on business productivity tools, HR Solutions & more. 

  • Users can avail business insurance package starting at an annual premium of Rs.3,785.

  • Lounge benefit: Users will get unlimited airport lounge access to 1000+ lounges globally.

  • Golf games benefit:  Users will get  6 complimentary Golf games per quarter along with 24x7 booking assistance. Users will have 24-hour access to Golf Concierge assistance services for booking/cancellation.

  • Global personal concierge (24 X 7)

  • Diners exclusive benefit: Fast track airport experience, dining delight, discounts on luxury Spas within India.

  • Dining benefits: Users can get up to 10% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.



HDFC Biz Black Metal Edition Credit Card

Cons to Consider


  • Annual Fee : While the HDFC Biz Black Metal Edition Credit Card offers a wide range of benefits, it comes with an annual fee that might be a deterrent for some business owners.

  • High Income Requirement: To be eligible for this premium credit card, a high income of INR 21 Lakhs of you or your business is required, which could pose a challenge for some individuals.


Understanding the Fees


When looking at the fee structure of the HDFC Biz Black Metal Edition Credit Card, it's important to consider the annual fee, interest rates, late payment fees, and other associated charges.


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

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

  • Foreign currency markup: 2%.

  • Fuel surcharge: NA

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

  • Late payment charges: INR 100 to 1300.

  • Reward redemption fee: NA

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


Credit Card Fees

Overall, the HDFC Biz Black Metal Edition Credit Card caters to business owners who seek a premium financial tool that not only simplifies transactions but also offers top tier benefits and cashback. With a focus on rewards, convenience, and luxury benefits, this credit card is designed to empower entrepreneurs in their day-to-day financial endeavors.


You can read our detailed review of the credit card and our rating here.






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