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HDFC Bank · Super-premium

Biz Black Metal Edition Credit Card

Where it ranks across all 187 cards
#1 Government / tax 2.5% direct #4 Insurance 3.3% direct #4 Jewellery & watches 3.3% direct #4 Gaming 3.3% direct
#5 Utility bills 3.3% direct #6 Mobile / broadband 3.3% direct #7 Other 3.3% direct #8 Train tickets 3.3% direct #8 Health & pharmacy 3.3% direct #11 Dining out 3.3% direct #12 Cabs & transit 3.3% direct #13 Hotels 3.3% direct #13 Electronics 3.3% direct #14 Flights 3.3% direct #16 Groceries 3.3% direct #18 Movies & events 3.3% direct #19 Online shopping 3.3% direct #20 Food delivery 3.3% direct #21 Fashion 3.3% direct
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Engine value - conservative, what rankings use
₹1/pt
3.33%
Bank travel portal
₹1/pt
3.33%
Statement credit
₹0.3/pt
1.00%
Points valued at ₹1/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
3.33%base rate
5 pts / ₹150
source
Source: HDFC Bank Biz Black Metal Edition Credit Card - hdfc.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, Wallet load, Rent, Education, EMI
earns nothing
Petrol/fuel, wallet loads, rent, education and EMI transactions do not earn Reward Points.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, Wallet load, Rent, Education, EMI
Source: HDFC Bank Biz Black Metal Edition Credit Card - hdfc.bank.in - read 2 Oct 2026
All Accor+ Explorer membership, giving up to 30% off food, 15% off drinks and hotel stays, and Elite All Accor Gold status (room upgrade, welcome drinks, early check-in, late checkout)
on joining · spend ₹1.5 lakh within the first 90 days of card issuance; effective for cards set up from 15 September 2026; first-time cardholders only, not conversions, migrations or upgrades
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
HDFC Bank lounge network
Unlimited airport lounge access worldwide (1,000+ lounges, domestic and international) for primary and add-on holders, for cardholders with at least one transaction in the previous month
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Golf courses (worldwide)
6 complimentary golf games a quarter at courses worldwide, with 24x7 concierge booking assistance
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Swiggy Dineout
Up to 10% off restaurant bills at 20,000+ restaurants when paying via Swiggy Dineout with this card
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
10%discount
Fitness memberships and pharmacy purchases
Up to 15% off fitness memberships, pharmacy purchases and more
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
15%discount
MakeMyTrip MyBiz (via SmartBuy BizDeals)
4% off flight and hotel bookings via MakeMyTrip MyBiz on SmartBuy BizDeals, with discounted fares, free meals, seat selection and low cancellation fees
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
4%discount
SmartBuy BizDeals - Nuclei (business software)
Up to 40% off business travel and software purchases (Tally Prime, Google Workspace, AWS, Microsoft Azure and more) via SmartBuy BizDeals
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
40%discount
SmartPay (bill payments)
Assured cashback of up to ₹1,800 in the first year, plus e-vouchers of up to ₹800 for adding 2 or more bills on SmartPay
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
₹1,800a year
Business insurance package
Business insurance package from ₹3,785 annual premium: fire and burglary cover for shops of ₹5 lakh, cash-in-safe/transit cover of ₹25,000, electronic equipment cover (excluding terrorism) of ₹50,000, and hospital cash of ₹1,000 a day for accident or illness
Source: HDFC Bank - Biz Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Rent
HDFC rent fee 1% + GST (capped ₹4,999 per transaction)
1%
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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