HDFC Bank BizBlack Metal Edition Credit Card

HDFC Bank · Open to apply

HDFC's metal Diners Club card for large business owners (ITR above ₹45 lakh). It earns 5 reward points per ₹150, 5X on tax, GST, bill-payment and software spends (up to 7,500 points a statement), gives unlimited domestic and international lounge access, six golf games a quarter and a ₹5,000 voucher for every ₹5 lakh spent, for ₹10,000 a year waived at ₹7.5 lakh.

Annual fee
₹10,000 + GST a year
Joining fee
₹10,000 + GST
Fee waiver
Annual fee waived on ₹7,50,000 spend per card year
Base rate
Retail spends: 5 Reward Points per ₹150 (about 1% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy hotels, 10X (45 bonus points per ₹150 on top of the base): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • SmartBuy at IGP, Jockey and PharmEasy, 10X (45 bonus points per ₹150): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • 5X on telecom and utility bills paid through SmartPay or PayZapp (25 points per ₹150): 25 Reward Points per ₹150 (about 5% at cash value)
  • 5X on income tax and GST paid on the government portals (25 points per ₹150): 25 Reward Points per ₹150 (about 5% at cash value)
  • 5X on business software through SmartBuy BizDeals - Nuclei (25 points per ₹150): 25 Reward Points per ₹150 (about 5% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rent and property management
  • No points on wallet loads
  • No points on EMI; points are reversed if a purchase is converted to SmartEMI
  • No points on education, including fees paid through third-party apps
  • No points on online skill-based gaming (from 1 July 2025)

Where the sources disagree

  • income eligibility: The FAQ (29 November 2024) says annual ITR above ₹30 lakh; the current product page and its FAQ block say above ₹45 lakh with a mandatory liability relationship. The product page is used as the newer document.
  • whether the 7,500-point 5X cap counts the base points: The reward T&C's worked example counts ₹40,000 of 5X spend as 6,667 "Accelerated 5X Reward Points" (25 per ₹150, base included), the same quantity the cap names, and the product page FAQ says "5X reward points ... capped at 7,500 RP per cycle". HDFC's 2024 savings tables (FAQ and value chart) instead size the 5X spend at ₹56,250 a month, exactly 7,500 ÷ 20 extra points per ₹150, which reads the cap on the extra points only. We follow the T&C wording: one cap of 7,500 on the full 25 points.
  • share of a flight or hotel booking payable in points: The FAQ says up to 50% of the booking value can be paid in points; the product page and MITC clause s (which names BizBlack) say up to 70%. The MITC is used.

Terms the calculator does not value

  • The 5X rate needs ₹50,000 of spend in the statement cycle; a reversal that takes the cycle below ₹50,000 removes the 5X. The calculator assumes the minimum is met. The 5X points are posted at the start of the next statement cycle.
  • HDFC counts the 5X only for bills paid through SmartPay or PayZapp (PayZapp excludes clubs, housing, rent, hospital, education, donation, FASTag, municipal tax, mutual funds, loans, card payments and wallet loads), tax paid on the income tax and GST portals, and software bought through SmartBuy BizDeals. Bills are the SmartPay and PayZapp payment routes (VIV-149): the calculator gives telecom and utility bills the 5X only when one of those routes is switched on, and tax on the government category as an assumed condition; other SmartPay and PayZapp payments are not matched.
  • The 5X on hotel and flight bookings through MMT MyBiz (SmartBuy BizDeals) is not entered separately: it equals or trails the SmartBuy table's 5X on flights and 10X on hotels, which are entered.
  • The FAQ of 29 November 2024 says the ₹10,000 first-year fee is waived on ₹1.5 lakh of spend within 90 days of issue and billed after 120 days. The current product page and MITC do not mention it, so first-year fees are shown without the waiver; a card that qualifies would save ₹10,000 plus GST.
  • "Up to 1 airmile per point" is offered through NetBanking but HDFC names no airline or hotel partners or ratios, so no transfer option is entered.
  • SmartBuy accelerated points apply only to purchases through the SmartBuy portal and only if the calculator's portal option is on. The caps are read as limits on the accelerated (bonus) points. Points post within 90 working days of the month end.
  • The welcome All Accor+ Explorer membership, the Club Marriott membership, golf rounds, concierge and the Swiggy Dineout offer have no rupee value from HDFC and are left out of the first-year total.
  • Unlimited lounge access needs one transaction of any amount in the previous month, so a card unused for a month loses lounges for the next one; the calculator treats the card as active.

Sources

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