HDFC BizBlack Metal Edition Credit Card Review
The HDFC BizBlack Metal Edition is a premium business metal card with strong rewards on tax, GST and business bills, plus unlimited lounges, golf and luxury hotel benefits. Here is the verified review.
- 5X (~16.5%) on tax, GST, PayZapp bills, Nuclei spends
- Unlimited domestic & international lounges
- 6 golf games/quarter; 24×7 concierge
- Club Marriott + Taj vouchers (welcome + milestones)
- Business-software discounts; up to 55-day interest-free
- 5X needs ₹50,000+ monthly spend
- High ₹10,000 fee; ITR ₹30 lakh+ eligibility
- Excludes petrol/wallet/rent/education/EMI
- Best for tax/GST-heavy businesses
- Reward value via redemption
Rewards & benefits
| Item | Detail |
|---|---|
| Base rewards | 5 RP per ₹150 (excl. petrol/wallet/rent/education/EMI) |
| 5X categories | Tax, GST, PayZapp bills, Nuclei (₹50k+/month to unlock) |
| Lounge | Unlimited domestic & international |
| Golf | 6 games/quarter |
| Welcome | Club Marriott + ₹5,000 Taj vouchers |
| Milestone | ₹5,000 Taj vouchers per ₹5L (up to ₹20,000/year) |
| Fee / eligibility | ₹10,000; ITR ₹30 lakh+ |
Who this card is for
- Best fit: higher-spend businesses that pay tax/GST on card and want luxury lounges, golf and hotel benefits.
- Skip if: you spend under ₹50k/month or don’t meet the ITR bar.
How to apply & how to cancel
Apply: via hdfcbank.com with business/ITR documents. Cancel: call HDFC business-card support after clearing dues; redeem points first.
Final verdict
The HDFC BizBlack Metal is a top-tier business card — a remarkable ~16.5% on tax/GST/bills, unlimited lounges, golf and Taj/Marriott benefits. The ₹50k/month 5X threshold, ₹10,000 fee and ITR bar gate it to higher-spend businesses; for them it’s among the most rewarding business cards available.
Frequently asked questions
What earns 5X?
Tax and GST payments, PayZapp bill payments and Nuclei business spends — once monthly spends cross ₹50,000.
What is the fee?
₹10,000, with an ITR ₹30 lakh+ eligibility requirement.
What lounge access?
Unlimited domestic and international airport lounge access, plus 6 golf games a quarter.
What’s the welcome benefit?
Club Marriott membership and ₹5,000 Taj vouchers, with milestone Taj vouchers up to ₹20,000/year.
Data current as of June 2026, cross-checked against HDFC Bank and aggregators. Confirm current terms on hdfcbank.com before applying.