M16S / HDFC Bank / HDFC BizBlack Metal Edition Credit Card
super-premium · business, rewards, travel
HDFC BizBlack Metal Edition Credit Card
The HDFC BizBlack Metal Edition Credit Card costs Rs 10,000 a year, waived if you spend Rs 7,50,000 in a year. Its base return is 3.33%. The forex markup is 2%. Lounge visits in India: Unlimited, primary and add-on. Abroad: Unlimited, primary and add-on, by Diners card (no Priority Pass needed). Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 10,000+ GST
- Fee waived at
- Rs 7,50,000annual spend
- Base return
- 3.33%
- Forex markup
- 2%
- Interest
- 1.99%a month
What changed on this card
- HDFC Bank BizBlack welcome benefit changes to All Accor+ Explorer, Sep 2026
For cards set up from 15 Sep 2026 the welcome benefit is All Accor+ Explorer Membership. Cards set up from 25 Oct 2025 to 14 Sep 2026 get Club Marriott Annual Membership plus a Taj Stay voucher worth Rs 5000. Both need Rs 1.5 lakh spend in the first 90 days. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank BizBlack adds gaming, wallet, utility fees, caps insurance points, Jul 2025
From 1 Jul 2025 a 1% charge applies to online skill gaming and wallet loading above Rs 10,000 a month and to utility above Rs 75,000 a month, each capped at Rs 4,999 a month. Gaming earns no points and insurance Reward Points are capped at 5,000 a month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank BizBlack caps utility and telecom Reward Points, Sep 2024
From 1 Sep 2024 Reward Points on utility transactions are capped at 2,000 per calendar month, and Reward Points on telecom and cable transactions are capped at 2,000 per calendar month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank BizBlack adds rent, fuel, utility, education fees, Aug 2024
From 1 Aug 2024 a 1% fee applies to rent paid through apps, to fuel above Rs 30,000 per transaction, to utilities above Rs 75,000 per transaction and to education paid through third party apps, each capped at Rs 3,000 per transaction. Insurance is not treated as utility. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 10,000 |
|---|---|
| Annual fee | Rs 10,000 |
| Annual spend that waives the fee | Rs 7,50,000 |
| Fee notes | Joining/renewal fee Rs 10,000 + taxes; renewal fee waived on Rs 7.5 lakh spend in an anniversary year (HDFC page). |
Rewards
| Welcome benefit | ALL Accor+ Explorer membership on Rs 1.5 lakh spend within the first 90 days, for cards set up from 15 Sep 2026 (cards set up 25 Oct 2025 to 14 Sep 2026: Club Marriott annual membership plus Rs 5,000 Taj stay voucher). First-time cardholders only. |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 RP per Rs 150 (excluding petrol, wallet, rent, education, EMI) |
| Base return | 3.33% |
| Point value | 1 RP = Re 1 on SmartBuy flights/hotels; up to Re 1 business catalogue; up to Rs 0.50 product catalogue; 1 airmile; Rs 0.30 cashback against statement (page) |
| Accelerated earn | 5X Reward Points on bill payments via PayZapp/SmartPay, income tax and GST payments, MMT MyBiz hotel and flight bookings, business software via SmartBuy BizDeals (Nuclei); needs Rs 50,000 spend in the statement cycle. Up to 10X on SmartBuy purchases. |
| Caps | 5X bonus capped at 7,500 RP per statement cycle (page FAQ); SmartBuy 10X capped at 10,000 RP per month; max 1,50,000 RP per statement cycle (page); insurance 5,000 RP/month; grocery 2,000 RP/month; flight/hotel redemption 75,000 RP/month (MITC and aggregator) |
| Spends that earn nothing | No points on petrol, wallet, rent, education, EMI (page). Government spends DO earn points on business cards (MITC). |
| Points expiry | 3 years |
| Milestone benefits | Rs 5,000 SmartBuy flight or Taj stay voucher on every Rs 5 lakh spend (EMI, rent, petrol excluded), up to Rs 20,000 in a calendar year |
| Reward notes | No redemption fee (MITC). Base return = 5 RP/150 x Re 1 on SmartBuy flights/hotels = 3.33%, both stated on the issuer page. Points cover up to 70% of a flight/hotel booking (page). Minimum 2,500 RP for statement redemption. |
Transfers
| Partnersunverified | Singapore KrisFlyer |
|---|---|
| Ratio | 1 RP : 1 airmile via NetBanking (HDFC page); the page does not list partner programmes |
Travel and perks
| Domestic lounge | Unlimited, primary and add-on |
|---|---|
| International lounge | Unlimited, primary and add-on, by Diners card (no Priority Pass needed) |
| Lounge conditions | Active cardholders only: at least 1 online or in-store transaction in the previous month; access from the 5th of the month (page) |
| Forex markup | 2% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebies | 6 complimentary golf games per quarter; 24x7 concierge; credit liability cover Rs 9 lakh; up to 10% off via Swiggy Dineout; up to 55 interest-free days; SmartPay cashback up to Rs 1,800 in the first year; optional paid business insurance package from Rs 3,785 a year |
Charges and eligibility
| Interest per month | 1.99% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Self-employed Indian citizen, age 21-65, ITR above Rs 45 lakh (business income), with a mandatory liability relationship |
| Fine-print notes | Issuer product page read 2026-10-12. Forex markup is not stated on the page. Conflicts (issuer page used): reward_caps: old '5X bonus capped at 10,000 RP per cycle' (cardinsider) vs page FAQ '7,500 RP per cycle' | welcome_benefit: old 'Accor Plus Explorer' with a side mention of Club Marriott/Taj (cardinsider) vs page: Accor+ Explorer only for cards set up from 15 Sep 2026. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC BizBlack Metal Edition Credit Card?
- Rs 10,000 a year, before GST. It is waived if you spend Rs 7,50,000 in a year.
- Does the HDFC BizBlack Metal Edition Credit Card give airport lounge access?
- Yes. In India: Unlimited, primary and add-on. Outside India: Unlimited, primary and add-on, by Diners card (no Priority Pass needed). Conditions: Active cardholders only: at least 1 online or in-store transaction in the previous month; access from the 5th of the month (page)
- What is the forex markup on the HDFC BizBlack Metal Edition Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC BizBlack Metal Edition Credit Card?
- No points on petrol, wallet, rent, education, EMI (page). Government spends DO earn points on business cards (MITC).