HDFC Biz Black Metal Credit Card
HDFC Bank
last updated: Oct 24, 2025
₹10,000
₹10,000
2%
No lounge access
Contents
A premium business card with unlimited lounge access, 5X rewards, and luxury perks.
Features of HDFC Biz Black Metal Credit Card which makes it unique
Unlimited Lounge Access
Access 1000+ lounges worldwide
Travel comfort
Better than limited-visit cards
Golf Benefits
6 complimentary games per quarter
Luxury lifestyle perk
Rare in business cards
Rewards Structure of HDFC Biz Black Metal Credit Card
business essentials (GST, tax, utility)
acceleratedEligible business payments
Only above ₹50,000 in cycle
other spends
baseAll eligible spends
Excludes certain categories
Milestones of HDFC Biz Black Metal Credit Card
Every ₹5L spend
₹5,00,000 : Taj stay or flight voucher ₹5,000
Annual ₹20L spend
₹20,00,000 : Voucher worth ₹20,000
Fees & Charges of HDFC Biz Black Metal Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹10,000 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Waived on ₹7.5L annual spend
Fee Explanation Standard bank charges apply for overdue or excess usage.
Lounge Access Benefits with HDFC Biz Black Metal Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: Yes
For active cardholders
international Lounges
silverVisits per year: 0
Guest access: Yes
Automatic access
Insurance Coverage with HDFC Biz Black Metal Credit Card
business insurance
As per planOptional add-on
credit liability cover
₹9,00,000On cardholder
Additional Features of HDFC Biz Black Metal Credit Card
Contactless Payments
Tap & pay enabled
Smart EMI
Convert spends to EMI
On eligible transactions
Welcome Bonus with HDFC Biz Black Metal Credit Card
Welcome Bonus: Club Marriott + Taj voucher on
Bonus Conditions: Valid for new cardholders who meet threshold spend
Application Process for HDFC Biz Black Metal Credit Card
Processing Time
7–10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit HDFC Bank website and choose Biz Black Metal
Fill out application form and upload documents
Bank verifies your documents and business profile
Card is issued within ~10 business days
Required Documents for HDFC Biz Black Metal Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
self_employedAccepted documents:
HDFC Biz Black Metal Credit Card Merchant Acceptance Network
Domestic Acceptance
Good, but Diners network only
International Acceptance
Available via Diners acceptance
Online Acceptance
true
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Biz Black Metal Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Self-employed individuals with high ITR preferred.
How Approval Is Decided
- Self-employed Indian citizen
- Strong business financials and ITR
- Clean credit history
Pros of HDFC Biz Black Metal Credit Card
- Outstanding rewards on business & tax payments
- Premium lifestyle & travel privileges
- Milestone vouchers boost value
Cons of HDFC Biz Black Metal Credit Card
- Very high annual / joining fee
- Strict spend thresholds to unlock full benefits
- Acceptance of Diners network may be limited
Frequently Asked Questions about HDFC Biz Black Metal Credit Card
What is the joining fee and can it be waived?
Joining fee is ₹10,000 + GST, and is waived if you spend ₹1.5L in first 90 days.
What is the annual fee waiver condition?
Annual fee is waived if you spend ₹7.5L in an anniversary year.
How do I earn 5X rewards?
Spend ₹50,000 in eligible business categories in a statement cycle to get 5X rewards.
What is the foreign currency markup?
Overseas spends attract a forex markup of 2%.
What lounge access do I get?
Unlimited domestic and international lounge access for primary and add-on holders.
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