The HDFC Biz Black Metal Edition Credit Card is a premium metal business credit card issued by HDFC Bank on the Diners Club network. It is specifically designed for self-employed Indian citizens and business owners who file annual ITR above Rs.30 lakh.

• This is a business credit card (not corporate) issued on personal liability
• Spends are reported to your personal PAN
• Primarily meant for sole proprietors but open to other business types
• Features a metal card design with the Diners Club network
• Offers up to 55 days of interest-free credit on business purchases

Earn 5 Reward Points for every Rs.150 spent on all eligible transactions. Get accelerated 5X Reward Points (25 RP per Rs.150) on minimum Rs.50,000 spends per statement cycle on:

• Income Tax and Advance Tax payments via the Income Tax portal
• GST payments via the GST portal
• Bill payments via PayZapp and SmartPay
• Hotel and flight bookings on MMT MyBiz via SmartBuy BizDeals
• Business productivity tools (Tally, Office 365, AWS, Google, Azure) via SmartBuy BizDeals - Nuclei

SmartBuy Rewards

Earn up to 10X Reward Points on Flipkart, MakeMyTrip, and Apple Imagine Tresor on the SmartBuy portal, with a separate 7,500 RP cap on SmartBuy 3X/5X/10X rewards.

Travel Benefits

Unlimited complimentary access to 1,000+ airport lounges worldwide for both primary and add-on cardholders via Diners Club card (Priority Pass not required).

Lifestyle Benefits

• 6 complimentary golf games per quarter at 15+ Indian and 100+ global courses
• Club Marriott Annual Membership with up to 20% off dining, stays, and spa across Asia-Pacific
• Up to 10% savings on restaurant bills via Swiggy Dineout at 20,000+ restaurants
• Wellness discounts: up to 15% off on fitness, pharmacy, and wellness services

Concierge Services

24x7 Global Personal Concierge for golf bookings, travel planning, private dining, international gift delivery, event planning, and airport VIP meet-and-greet services.

• Club Marriott Annual Membership + Taj Stay Voucher worth Rs.5,000 on spending Rs.1.5 lakh within 90 days of card issuance
• First year joining fee waived on Rs.1.5 lakh spend in first 90 days (fresh issuance only)
• With effect from October 25, 2025, welcome benefits apply only to first-time cardholders (not conversions/upgrades)

Milestone Benefits

• SmartBuy Flight or Taj Stay Voucher worth Rs.5,000 on every Rs.5 lakh spent
• Earn up to Rs.20,000 in vouchers per calendar year (on Rs.20 lakh spend)
• Rent and fuel spends are excluded from milestone calculation
• Vouchers must be redeemed within 90 days of qualification
• Flight Voucher valid for 6 months; Taj Stay Voucher valid for 365 days from redemption

Renewal Benefit

• Renewal fee waived on spending Rs.7.5 lakh or more in the anniversary year (12 billing cycles)

The HDFC Biz Black Metal Edition Credit Card offers unlimited complimentary airport lounge access to 1,000+ lounges worldwide.

• Domestic Lounges: Unlimited access via Diners Club card at domestic airports
• International Lounges: Unlimited access via Diners Club card (Priority Pass is NOT required)
• Both primary and add-on cardholders are eligible
• Cardholders must be "active" - minimum 1 online or in-store transaction in the previous month
• Guest access is not included; only cardholders can use lounge access

Base Rate: 5 Reward Points per Rs.150 spent on all eligible transactions (1 RP = up to Rs.1 on SmartBuy). Excluded categories: fuel, wallet, rent, education, and EMI.

Accelerated Rate (5X): 25 Reward Points per Rs.150 on minimum Rs.50,000 spends per statement cycle on tax payments, bill payments via PayZapp, MMT MyBiz bookings, and business tools via SmartBuy BizDeals. Capped at 7,500 bonus RP per statement cycle.

SmartBuy Rate (10X): Up to 50 Reward Points per Rs.150 on Flipkart, MakeMyTrip, Apple Imagine Tresor on SmartBuy portal.

Earning Caps

• Overall: 1,50,000 RP per statement cycle
• Accelerated 5X: 7,500 RP per statement cycle
• Insurance: 5,000 RP per day
• Grocery: 2,000 RP per month

Redemption Options

Minimum 2,500 RP required for redemption. Maximum 5 redemptions per calendar month (from Feb 2026). Points expire after 3 years.

• Must be a self-employed Indian citizen
• Age: 21 to 65 years
• Annual Income Tax Return (ITR) above Rs.30 lakh (some sources indicate Rs.21 lakh for fresh applications)

Acceptable Documents

• Income Tax Return (ITR)
• GST Returns
• Bank Statements
• Merchant Payment Reports

Note: This is a business credit card available only to business owners. Salaried individuals are not eligible. Credit card approvals are at the sole discretion of HDFC Bank.

• PAN Card (mandatory)
• Aadhaar Card

Business/Income Proof (any one)

• Income Tax Return (ITR) - above Rs.30 lakh annual
• GST Returns
• Bank Statements
• Merchant Payment Reports

Address Proof

• Utility bills
• Aadhaar Card
• Passport

Note: In certain cases, video KYC may be required as part of the application process.

1. Visit the HDFC Bank website or use NetBanking/Mobile Banking
2. Provide and validate your phone number and Date of Birth/PAN
3. Confirm your personal and business details
4. Select the Biz Black Metal Edition Credit Card
5. Submit the application and receive your card

In certain cases, uploading documents and completing video KYC may be required.

Offline Application

Walk into the nearest HDFC Bank branch with all relevant documents to apply.

Upgrade

Existing HDFC Bank credit cardholders with a credit limit above Rs.6 lakh may be eligible for an upgrade to the Biz Black Metal Edition.

The HDFC Biz Black Metal Edition Credit Card stands out as one of the most rewarding business credit cards in India. Its industry-first 5X rewards on Income Tax and GST payments make it an essential tool for any business owner who pays significant taxes. Combined with unlimited global lounge access, golf privileges, Club Marriott membership, and comprehensive concierge services, it offers premium value at a reasonable Rs.10,000 annual fee that is easily waivable.

The main limitation is the Diners Club network, which may have limited acceptance at smaller merchants. However, HDFC Bank floater cards effectively address this issue. For self-employed professionals and business owners with annual ITR above Rs.30 lakh and monthly business spends exceeding Rs.50,000, this card is a must-have addition to the wallet.