HDFC Biz Black Metal Edition Credit Card Review
The HDFC Biz Black Metal Edition is HDFC’s top business card for high-spending self-employed professionals. It mirrors the Infinia-style SmartBuy redemption at ₹1 per point and adds 5X points on income tax, GST and business software and travel.
The 5X rate needs ₹50,000 of spend in the statement cycle and is capped, and the fee needs ₹7.5 lakh a year to waive, so it suits large business spenders.
- Points worth ₹1 on SmartBuy flights and hotels
- 5X on income tax, GST, bill payments, software and MMT MyBiz
- Unlimited domestic and international lounge access (primary and add-on)
- 2% forex markup
- ₹5,000 vouchers per ₹5 lakh spend (up to 4 a year)
- ₹10,000 fee unless you spend ₹7.5 lakh a year
- 5X bonus needs ₹50,000 cycle spend and is capped at 7,500 points
- Cashback redemption only ₹0.30 a point
- No fuel surcharge waiver
- Diners Club acceptance is narrower
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹10,000 + GST, waived on ₹1.5 lakh spend in 90 days |
| Renewal fee | ₹10,000 + GST, waived on ₹7.5 lakh spend in the previous year |
| Forex markup | 2% |
| Fuel surcharge waiver | None |
Rewards: how the card earns
| Spend | Points per ₹150 | Conditions |
|---|---|---|
| Base | 5 | Excludes petrol, wallet, rent, education, EMI |
| 5X: PayZapp/SmartPay bills, income tax, GST, SmartBuy BizDeals software, MMT MyBiz travel | 25 | After ₹50,000 spend in the statement cycle; bonus capped at 7,500 points a cycle |
Redeem at ₹1 per point on SmartBuy flights and hotels (up to 70% of a booking) or ₹0.30 as cashback. Points expire after three years.
What earns nothing
Petrol, wallet loads, rent, education and EMI earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | ALL Accor+ Explorer membership (cards set up from 15 Sep 2026) on ₹1.5 lakh spend in 90 days |
| Milestone | ₹5,000 SmartBuy flight or Taj voucher per ₹5 lakh spend, up to 4 a year |
| Lounge access | Unlimited domestic and international for primary and add-on cards |
| Golf | 6 games a quarter |
| Insurance | ₹9 lakh credit liability cover |
Eligibility
Issuer
HDFC Bank
For
Self-employed professionals and business owners
Age
21–65
Income
High ITR requirement — confirm the current threshold with HDFC
Who this card is for
- Good fit: business owners spending ₹7.5 lakh+ a year, with large tax and GST payments, who redeem on SmartBuy.
- Skip if: your business spends under ₹7.5 lakh a year or you prefer cashback.
Alternatives worth comparing
Final verdict
One of the most rewarding business cards in India for high spenders: Infinia-level redemption, 5X on tax and GST, unlimited lounges and a 2% markup. The ₹7.5 lakh waiver threshold and caps mean it is only for large spenders.
Frequently asked questions
What is the Biz Black Metal fee?
₹10,000 + GST, with the joining fee waived on ₹1.5 lakh spend in 90 days and renewal on ₹7.5 lakh a year.
How does 5X work?
After ₹50,000 spend in a statement cycle, tax, GST, bill payments via PayZapp/SmartPay, BizDeals software and MMT MyBiz travel earn 25 points per ₹150, with the bonus capped at 7,500 points a cycle.
How much is a point worth?
₹1 on SmartBuy flights and hotels (up to 70% of the booking) or ₹0.30 as cashback.
Does it have lounge access?
Unlimited domestic and international access for primary and add-on cardholders.
What is the forex markup?
2%.
Last verified: October 2026, against HDFC Bank’s Biz Black Metal FAQ and card terms. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.