HDFC Biz Black Metal Edition Credit Card

• Reward Points are not earned on petrol, wallet, rent, education and EMI transactions. 

• Reward Points can be redeemed against the statement balance as cashback at Rs.0.30 per Reward Point, subject to a minimum of 2,500 Reward Points. Unredeemed Reward Points lapse after three years of accumulation. 

Lounge Benefits 

• Primary and add-on card members enjoy unlimited access to over 1000 airport lounges worldwide.  
• Unlimited airport lounge access is available only to active cardholders. 

Golf Games Benefit 

• Enjoy six complimentary golf games per quarter at top courses worldwide, with 24/7 booking assistance provided by concierge services. 
• Access 24-hour Golf Concierge Assistance for booking and cancellation needs. 

Welcome Benefits 

• Receive an ALL Accor+ Explorer Membership upon spending Rs.1.5 lakh within the first 90 days (effective for cards set up from 15 September 2026). Cardholders whose cards were set up between 25 October 2025 and 14 September 2026 receive a Club Marriott Annual Membership along with a Taj Stay voucher worth Rs.5,000 on the same spend. The welcome benefit applies only to first-time cardholders and not to conversions, migrations or upgrades. 
• With the ALL Accor+ Explorer Membership, enjoy up to 30% discount on food, 15% discount on drinks and hotel stays, and Elite All Accor Gold Status benefits such as room upgrade, welcome drinks, early check-in and late check-out.

Milestone Benefits 

• Earn SmartBuy Flight or Taj Stay Vouchers worth Rs.5,000 for every Rs.5 lakh spent on retail purchases (excluding EMI, rent and petrol).

• Earn vouchers worth Rs.20,000 in a calendar year for Rs.20 lakh spent. 

Renewal Offer 

• Renewal fee waived off if spending exceeds Rs.7.5 lakh in the previous year. 

Concierge Services 

Access Your Global Personal Concierge service 24/7 to tailor your business, travel, and entertainment experiences according to your preferences. Our concierge offers a range of services, including: 

• Golf bookings 
• Assistance with itinerary planning and reservations 
• Coordination for private dining experiences 
• International gift delivery services 
• Event planning assistance and referrals 
• Airport VIP services, including meet-and-greet arrangements, and more. 

Benefits of HDFC Biz Black Metal Edition Credit Card   

The benefits of HDFC Biz Black Metal Edition Credit Card are given below: 

• Explore the bank’s Wellness Benefits offering up to 15% off on fitness memberships, pharmacy purchases and more.

• Indulge in Dining Benefits with up to 10% savings on restaurant bills when paying through the Swiggy App using your card, valid at over 20,000 restaurants.

• Maximise your rewards with SmartBuy and earn up to 10X Reward Points on SmartBuy purchases such as travel bookings, apparel and electronics (capped at 10,000 Reward Points per month).

• Enjoy the convenience of SmartPay, an automatic payment facility for your utility bills, and receive assured cashback up to Rs.1,800 in the first year, along with exciting e-vouchers worth up to Rs.800 for adding 2 or more bills.

• Opt for Smart EMI to convert your significant purchases into easy EMIs post-purchase.

• Take advantage of Easy EMI options for large online or in-store purchases using your Biz Black Credit Card, with easy repayment plans and transparent details displayed at the time of transaction.

• Rest assured with Zero Lost Card Liability, ensuring zero liability on fraudulent transactions upon immediate reporting of a lost HDFC Bank Biz Black Credit Card to the bank’s Customer Care Toll-Free Number: 1800 266 3310.

• Additionally, benefit from Credit Liability Cover of up to Rs.9 lakh for added peace of mind.

• Avail up to 40% savings on your business travel and software purchases through SmartBuy BizDeals, including 4% off on flight and hotel bookings via MMT MyBiz.

• Link your GST number with your HDFC Biz Black Metal Edition Credit Card to optimise Input Tax Credit, track expenses more smartly and simplify compliance. You need to raise the request with the bank’s credit card customer service and furnish your PAN and GST documents.

• Access your HDFC Biz Black Metal Edition Credit Card 24/7 through the HDFC Bank MyCards platform, NetBanking, MobileBanking App, PayZapp or WhatsApp Banking to view transactions, reward points and statements, and to enable or disable online, contactless and international usage.

Business Insurance Benefit 

You can avail the Business Insurance package, with annual premiums starting at just Rs.3,785, covering: 

• Fire & Burglary insurance for shops up to Rs.5lakhs 
• Cash in Safe/Transit coverage up to Rs.25,000 
• Electronic Equipment insurance (excluding terrorism) up to Rs.50,000 
• Hospital Cash benefits: Accident-only payout of up to Rs.1,000 per day 
• Hospital Cash benefits: Illness-only payout of up to Rs.1,000 per day 

Cardholders also have the flexibility to opt for higher Business Insurance coverage based on their specific business requirements. 

The Business Insurance annual plans available to HDFC Biz Black Metal Edition Credit Card holders are given below:

Eligibility Criteria

The eligibility criteria to apply for this credit card are given below: 

• An Indian citizen who is self-employed and aged between 21 and 65 years old. 
• Annual income tax return (ITR) exceeding Rs.45 lakh (business income), with a mandatory liability relationship.

Fees and Charges 

• Membership fee for joining: Rs.10,000 plus applicable taxes. 
• Membership fee renewal: Rs.10,000 plus applicable taxes. 
• Spend Rs.7.5 lakh within an anniversary year (12 billing cycles) to have the renewal fee waived for the subsequent renewal year. 
  

• Foreign currency markup fee: 2% of the transaction amount on all international transactions made in a foreign currency. 

• Balance transfer fee: 1% of the transfer amount or Rs.250, whichever is higher, plus applicable taxes. 

• Reissue charge for a lost or damaged card: Rs.3,000. 

• Finance charges on revolving balances: 1.99% per month (23.88% p.a.), excluding GST. 

How to apply

You can apply online by visiting the official website where you will have to provide your details and choose the Biz Black Metal Edition Credit Card. You will have to provide the relevant documents and complete the KYC process to get your application for the credit card approved. 

You can walk to the nearest HDFC branch along with all the relevant documents and apply for the Biz Black Metal Edition Credit Card.

The online application involves validating your phone number and date of birth/PAN, confirming your details, selecting the card and submitting the application. You need to submit your ITR document, and in certain cases uploading documents and completing video KYC may be required. 

Summary

The HDFC Biz Black Metal Edition Credit Card is HDFC Bank’s premium business credit card for self-employed Indian citizens, combining accelerated Reward Points on business spends with unlimited airport lounge access, golf games, concierge services and business insurance. The welcome, milestone and renewal benefits reward consistent card spending, so review the fees and eligibility sections before you decide. If the card suits your business, apply for the HDFC Biz Black Metal Edition Credit Card on BankBazaar. 

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