Quick Details
Reward Structure
All Spends
Spends over Rs 50K/cycle
Reward Calculator
Milestone Benefits
Club Marriott Membership + Taj vouchers worth Rs 5,000 on Rs 1.5L spend in 90 days
Spend ₹1,50,000 within 90 days
value
SmartBuy Flight or Taj Stay voucher worth Rs 5,000 for every Rs 5L spend
Spend ₹5,00,000 within 365 days
value
Airport Lounge Access
visits
Unlimited domestic lounge access via Diners Club network.
visits
Unlimited international lounge access via Diners Club network.
visits
Priority Pass membership with access to 1,000+ lounges globally.
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Air Accident
₹2,00,00,000
Air accident cover.
Purchase Protection
₹2,00,000
Purchase protection.
Lifestyle Perks
Golf
6 /quarter
6 complimentary golf games per quarter (24/year) at top courses worldwide
Concierge
24/7 exclusive concierge service available toll-free
Quick Analysis
HDFC BizBlack is a premium business credit card offering excellent rewards, unlimited lounge access, and comprehensive business benefits. Ideal for high-income business owners and self-employed professionals.
Pros
- 5 reward points per Rs 150 spent (3.33% base reward rate)
- 5X accelerated rewards on spends over Rs 50K/cycle
- Up to 150,000 reward points per statement cycle
- Unlimited domestic and international lounge access
- Priority Pass membership (1,000+ lounges)
- 6 complimentary golf games per quarter (24/year)
- 24/7 exclusive concierge service
- Club Marriott + Taj vouchers worth Rs 5K welcome benefit
- Rs 5K voucher for every Rs 5L spend
- Low forex markup of 2%
- 55 days interest-free period
- Rs 9L credit liability cover
Cons
- High annual fee of Rs 10,000 + GST
- High income requirement (ITR Rs 30L+)
- For business/self-employed only (not salaried)
- Limited Diners Club merchant acceptance
- No rewards on fuel, wallet, rent, education, EMI
- 1% charge on gaming spends over Rs 10K/month (from July 2025)
Best For
Business owners, self-employed professionals, frequent travelers
Not Ideal For
Salaried individuals, budget users, those needing Visa/MC acceptance
Frequently Asked Questions
What are the fees for HDFC BizBlack Credit Card?
What is the eligibility criteria for HDFC BizBlack Credit Card?
What rewards does HDFC BizBlack Credit Card offer?
Does HDFC BizBlack Credit Card offer airport lounge access?
How can I apply for HDFC BizBlack Credit Card?
User Reviews
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