BizBlack Metal Edition Credit Card
HDFC Bank · Business
5 Reward Points on every Rs 150 spent; 5X on bill payments, IT and GST payments, hotel and flight bookings.
- Joining fee
- ₹10,000
- Annual fee
- ₹10,000
- Waiver spend
- ₹7,50,000
- Forex markup
- 2%
Fee waiver
Spend ₹7,50,000 in a card year and the next annual fee is waived.
That is about ₹62,500 a month.
Work out what you still need to spend
Work it out for this card
How the app counts rewards
- 5X points (25 per ₹150) on PayZapp bill payments, income tax and GST (needs ₹50,000 spend in the cycle)
- 5 points per ₹150 on groceries (up to 2,000 a month)
- 5 points per ₹150 on utilities (up to 2,000 a month)
- 5 points per ₹150 on insurance (up to 5,000 a month)
- 5 Reward Points per ₹150
No rewards on education, fuel, rent, wallet loads.
Airport lounges
- Domestic: Unlimited visits
- International: Unlimited visits
Unlimited for primary and add-on holders who made at least one transaction in the previous month
Points
Reward Points, worth about ₹0.3 each on the usual redemption. Expire after 3 years.
Who can apply
- Age 21 to 65
- Self-employed: income of ₹45,00,000 a year or more
Self-employed only: business ITR over ₹45 lakh, with a mandatory liability relationship
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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