business

HDFC Biz Black Credit Card

Name: HDFC Biz Black Credit Card
Brand: HDFC

Super-premium metal business card with 5X rewards, unlimited lounge access and 6 complimentary golf games per quarter.

Annual Fee

₹10,000 + GST (Joining ₹10,000 + GST; waived on ₹1.5L spend within 90 days; renewal waived on ₹7.5L annual spend)

Rewards

5 RP/₹150 on eligible spends; 5X rewards on select business spends above ₹50,000/statement cycle, capped at 7,500 accelerated RP/statement cycle

Lounge Access

Unlimited domestic + international access for active cardholders; no Priority Pass required for international lounge access on the Diners variant

Fuel Waiver

Not specified; 1% fee applies to fuel spends above ₹30,000 per transaction

Milestone

₹5,000 SmartBuy flight or Taj Stay voucher for every ₹5L spent, excluding EMI, rent and petrol; up to ₹20,000 vouchers at ₹20L annual spend

Best For

Established business owners and self-employed professionals with high business spends

Welcome Offer

Club Marriott Annual Membership + ₹5,000 Taj Stay Voucher on ₹1.5L spend within 90 days

Type

Super-premium Metal Business Credit Card

Get This Card

Description

HDFC Bank's super-premium metal business credit card offers 5 reward points per ₹150 on eligible spends, with 5X rewards on select business expenses such as tax payments, GST, business travel and productivity software. The accelerated 5X component requires more than ₹50,000 in eligible spends per statement cycle and is capped at 7,500 bonus Reward Points per cycle. The ₹10,000 + GST joining fee is waived on ₹1.5 lakh spend within the first 90 days, while the renewal fee is waived on ₹7.5 lakh annual spend. Welcome benefits include a Club Marriott Annual Membership and ₹5,000 Taj Stay Voucher. Cardholders also get unlimited airport lounge access when active, 6 complimentary golf games per quarter, business insurance options, SmartBuy BizDeals savings, and up to 40% savings on business travel and software. A 2% foreign currency markup applies, and unused Reward Points expire after three years.

Disclaimer

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