HDFC Biz Black Metal credit card credit card
Joining Fee:

₹10000 +GST

Return Percentage:

2% to 5%

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Credit Card Overview

A super-premium metal business card designed for entrepreneurs and corporates, offering luxury travel perks, milestone rewards, concierge services, and high reward rates on business spends.

Best Suited For: Cashback, Experience

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Fees and charges at a glance

Annual fee
₹10,000

Charged every year you keep the card

Joining fee
₹10,000

Paid once when you get the card, plus GST

Reward rate
2% to 5%

Depends where you spend

Forex markup
2%

Extra charge on foreign spends

Interest rate
23.88% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

HDFC Biz Black Metal credit card — Earn Categories

Where you earn more

  • PharmEasy via SmartBuy50 reward points / ₹150

    A maximum of 10,000 accelerated Reward Points can be earned cumulatively on SmartBuy in a calendar month. · Minimum ₹150 per transaction

  • IGP via SmartBuy50 reward points / ₹150

    A maximum of 10,000 accelerated Reward Points can be earned cumulatively on SmartBuy in a calendar month. · Minimum ₹150 per transaction

Everyday rate

  • Base Rewards5 Reward Points (reward points) / ₹150

    Minimum ₹150 per transaction

19 more earning categories on this card

We track all 22 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • UPI
  • Fuel
  • Education
  • Rent
  • EMI
  • Wallets