HDFC Bank Biz Black Credit Card
Travel
Lounge Access
Reward Points
1st Year Fee: ₹10,000* Plus Applicable Taxes
Rewards
5X rewards on select business expenses
Travel
4% off on flight and hotel bookings via MMT MyBiz
Lounge Access
Unlimited access to 1000+ lounges globally
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About HDFC Bank Biz Black Credit Card
HDFC Bank Biz Black Credit Card is a premium credit card that focuses on your business needs by offering exclusive offers, discounts and other benefits on business-related spends. It offers rewards on not only your business-related spends, like tax or bill payments, business travels and business tools/softwares, but also offers up to 5X rewards on popular brands and platforms.
In addition to the rewards program, this credit card extends other benefits spanning across lifestyle categories – from unlimited airport lounge access and golf games to discount offers on dining, travel and other purchases. HDFC Biz Black allows the cardholders to earn a decent value-back on all their business-related spends, making it a good option for business owners.
HDFC Biz Black Credit Card Rewards Program
Rewards Program:
- 5 Reward Points per Rs. 150 spent on select business spends, applicable on minimum monthly spends of Rs. 50,0001
- Up to 5X Reward Points on select brands, like MakeMyTrip, Flipkart, Apple Imagine Tresor, on SmartBuy
- Rewards earnings capped at 1.5 lakh Reward Points every month
Rewards Redemption:
- Minimum 2,500 Reward Points required for redemption against statement balance2
- Reward Points are valid up to 3 years from accrual
- 1 Reward Point = Rs. 0.30 as cashback
Other Features & Benefits
Fee Waiver Benefits:
- Joining fee waiver on spending Rs. 1.5 lakh within 90 days of card issuance
- Renewal fee waiver on reaching Rs. 7.5 lakh annual spends in the previous year
Complimentary Lounge Access
Unlimited access to domestic and international airport lounges for active primary and add-on card users
Suggested Read: Best Lounge Access Credit Cards in India
Golf Benefit:
6 complimentary golf games per quarter across the world with 24-hour golf concierge assistance
HDFC Bank Biz Black Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 10,000 | ||||||||||||||||||
| Annual Fee | Rs. 10,000 | ||||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Consider this card if:
You are self-employed and want a premium business card with rewards benefits
You can maximise your value-back by using HDFC platforms like SmartBuy and Payzapp to make your purchases and pay your bills
You travel frequently and want a card with lounge access and travel offers
Eligibility Criteria
Nationality: Indian citizen
Occupation: Self-employed
Age: 21 to 65 years
Income: Annual ITR above Rs. 30 lakh
Paisabazaar Review
What do we like about this card?
HDFC Biz Black Credit Card is a business card that gives up to 5X Reward Points on business-related and other card purchases. You can get decent returns on your bills and tax payments, travel bookings, business tools and softwares and other such costs that are essential in managing one’s business, along with other lifestyle-related benefits.
Pros
- Up to 5X Reward Points on card spends, including business expenses
- Extensive travel benefits like unlimited lounge access, accelerated rewards, discount offers and vouchers
- Lifestyle benefits like dining discounts, golf access and rewards and discounts on popular brands/platforms
- Rewards redemption ratio of up to 1:1 for travel-related redemption options
Cons
- Spend-based condition on rewards on business spends and capping on monthly rewards earnings
- Low redemption value of reward points if redeemed against non-travel options
Conclusion
HDFC Bank Biz Black Metal Credit Card lets the cardholders avail accelerated rewards on not just key business spends but also on popular brands and platforms, thus solidifying its place among the cards that offer all-rounded benefits. Moreover, even though these rewards are capped, the upper limit is quite high so it would not have much effect on your rewards earning capacity, especially for small to medium business owners.
Footnotes
- Select business spends include bill payments via Payzapp/SmartPay, GST and Income or Advance tax payment via govt. e-portal, MMT MyBiz travel bookings under SmartBuy BizDeals, and business productivity tools, like AWS, Tally, Office 365, Azure, Google, Credflow and others, on Nuclei under SmartBuy BizDeals.
- You can redeem up to a maximum of 70% of the travel booking or product voucher value through Reward Points and pay the remaining amount via credit card.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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