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HDFC BANK LTD
HDFC BizBlack Metal Edition Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Business-focused metal credit card offering exclusive benefits for entrepreneurs with accelerated rewards on tax payments and business expenses
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Premium business credit card with metal design
Highlight 2
Extended interest-free credit period (25-55 days)
Highlight 3
Specialized business-oriented rewards and benefits
Highlight 4
Lower foreign currency markup fee of 2%
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹10,000
The front-loaded charge when you apply.
Annual fee
₹10,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹10,00054% Offset
Earns back 54% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"2 domestic lounge visits per quarter"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Premium co-branded card offering enhanced rewards for Shoppers Stop regulars with strong milestone benefits and free shopping vouchers"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Not clearly specified in search results
- Base Rate: 4 Reward points on all spends of ₹150 (excluding petrol, wallet, rent, education, EMI)
- Accelerated Rewards Program: 3% Cashpoints on Groceries, SuperMarket, and Dining expenses
- 2% Cashpoints on utility spends
Cons
- RP to Rupees: ₹1.5/pt
- Movie/Entertainment: Croma screen offers
- Dining: 30% premium dining
- Other Features: UPI-enabled credit card allowing UPI payments directly from credit line across multiple apps
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Customer Reviews
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