Premium business
HDFC BizBlack Metal Credit Card
HDFC’s premium metal business card: unlimited lounges worldwide, 5 points per ₹150 with bonuses on GST and tax payments, and Club Marriott membership.
Joining fee₹10,000 + GST
Annual fee₹10,000 + GST
Fee waiverOn ₹7.5 lakh spend a year
Top rewardUp to 5X on GST, tax and bills
LoungeUnlimited worldwide
Forex markupCheck with HDFC Bank
Best for: High-earning business owners who travel often and spend ₹7.5 lakh+ a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| GST, income tax and utility payments on eligible platforms | Up to 5X points | – |
| Other spends | 5 points per ₹150 | – |
| HDFC SmartBuy | Up to 10X points | Monthly caps apply |
- Point value is highest on SmartBuy flights and hotels.
Benefits
Welcome benefit
- Club Marriott membership and ₹5,000 in vouchers on ₹1.5 lakh spend in 90 days (joining fee also waived).
Milestones
- Annual fee waived on ₹7.5 lakh spend.
Travel and lounges
- Unlimited airport lounge access worldwide for primary and add-on cards.
Fuel and forex
- Check HDFC Bank for forex and fuel terms.
Other perks
- Metal card
- Up to 55 interest-free days
Fees and charges
| Joining fee | ₹10,000 + GST, waived on ₹1.5 lakh spend in 90 days |
|---|---|
| Annual fee | ₹10,000 + GST, waived on ₹7.5 lakh yearly spend |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Self-employed, age 21 to 65
- ITR above ₹30 lakh
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Unlimited lounges
- Bonus on tax payments
- Fees easy to waive for big spenders
Watch out for
- Very high income needed
- High fee if not waived
Frequently asked questions
How do I get HDFC BizBlack free?
Spend ₹1.5 lakh in 90 days to waive the joining fee and ₹7.5 lakh a year to waive the annual fee.
Ready to apply for the HDFC BizBlack Metal Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: Bajaj Markets · HDFC Bank. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.