Our Products
Loans
Cards
Insurance
Investment
Stock Market
Electronics Mall
CIBIL Score
Knowledge Centre
Calculators
Our Services
Do not call
En
We don’t spam
Resend OTP
We have some offers for you.
100% safe and secure
With the HDFC Bank BizBlack METAL Edition Business Credit Card , turn every business expense into a growth engine with 5X Reward Points on select business spends and an industry-leading 55-day interest-free credit period. Elevate your lifestyle while you dominate your industry.
Last updated on: Aug 24, 2026
Here’s a brief snapshot of the main highlights of the HDFC Bank BizBlack Business Credit Card, designed to help you quickly understand its key benefits:
| Feature | Details |
|---|---|
Joining Fee |
₹10,000 + applicable taxes. |
Annual Fee |
₹10,000 + applicable taxes. (Can be waived if the minimum annual spending requirement of ₹7.5 Lakhs is met) |
Ideal For |
Self-employed professionals, business owners, and entrepreneurs looking for efficient management of business expenses, |
Key Feature |
Earn up to 5X Reward Points on eligible business spends, including tax and utility payments, along with up to 55 days of interest-free credit. |
Welcome Bonus |
Attractive welcome benefits such as Club Marriott annual membership and premium vouchers worth ₹5,000 on spends of ₹1.5 Lakhs within the first 90-day period. |
Here is a closer look at the credit card’s features to help you see how it can truly benefit your business, not just in spending, but also in savings and rewards:
Earn 5 reward points for every ₹150 spent on eligible business expenses, and up to 5X points on business payments like GST, income tax, and utility bills made through approved platforms.
Enjoy up to 55 days of interest-free credit on purchases when you pay the full bill on time, offering flexibility in managing business funds.
Get unlimited access to 1,000+ airport lounges worldwide for both primary and additional cardholders, along with travel vouchers to make trips more affordable.
Receive Club Marriott membership and vouchers when spending a specified amount in the first 90 days, plus flight or hotel vouchers for meeting annual spend targets.
Waive the annual renewal fee if you spend ₹7.5 Lakhs or more in the year. The first-year fee can also be waived if you meet the spend target shortly after card issuance.
As a premium business card, the HDFC Bank BizBlack Business Credit Card provides 24×7 global concierge assistance, helping you with bookings, travel planning and various lifestyle requests.
The HDFC Bank BizBlack Business Credit Card comes with a well-structured rewards programme that is designed to give business owners more value from their regular business expenses. Whether you are paying vendors, booking travel, or managing utility and tax payments, the rewards programme ensures that your everyday spending works harder for you.
Below is a simple breakdown of how the rewards programme works, explained in an easy and practical way:
With this premium business credit card, you earn reward points every time you use the card for eligible transactions.
You earn reward points on almost all business-related spends, including travel, dining, online purchases, and day-to-day operational expenses.
On select business categories and approved payment platforms, the card offers accelerated earnings of up to 5X Reward points. This allows you to earn significantly more on essential payments such as utilities and statutory dues.
These reward points are credited to your card account after the transaction is settled, making it easy to track your earnings.
Redeeming reward points on the HDFC Bank BizBlack Business Credit Card is straightforward and flexible. Here’s how:
Accumulated reward points can be redeemed through HDFC Bank’s rewards portal, where you can choose from a wide range of options.
Redemption choices typically include travel bookings (flights and hotels), premium brand vouchers, lifestyle rewards, and statement credit.
Reward points can also be used to offset eligible purchases, helping reduce your overall business costs.
This flexibility allows you to use your reward points in a way that best suits your business or personal preferences, rather than being limited to a single redemption option. As a result, the more you use the card for regular business expenses, the more reward points you steadily accumulate over time, increasing the overall value you receive from your spending.
Reward points earned on the HDFC Bank Biz Black credit card are valid only for a limited period and will automatically expire if not redeemed within the defined time frame. To avoid losing their value, it is important to check your reward balance regularly and redeem your points in advance.
Below is a simple, practical example based on a typical billing cycle for a cardholder using the HDFC Bank Biz Black credit card:
| Category | Details | Annual Spend (₹) | Reward Points Earned | Cash Value (approx. ₹) |
|---|---|---|---|---|
Accelerated 5X Rewards |
PayZapp spends |
10,000 |
1,667 |
333 |
Accelerated 5X Rewards |
GST payment |
20,000 |
3,333 |
667 |
Accelerated 5X Rewards |
Flight booking via MMT MyBiz |
10,000 |
1,667 |
333 |
Excluded Category |
Wallet load spends |
10,000 |
0 |
0 |
Regular Rewards |
Other eligible business spends |
50,000 |
1,667 |
333 |
Total |
— |
90,000 |
8,333 RP |
1,666 |
Disclaimer: The above example is for illustration purposes only. The actual rewards and saving may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.
Here is a clear overview of the key fees and charges you should be aware of before applying for the HDFC Bank Biz Black credit card:
| Fee / Charge Type | Details |
|---|---|
Joining Fee |
₹10,000 + applicable GST. This is charged at the time of card issuance. The joining fee can be waived on spends of ₹1.5 Lakhs within the first 90 days from card activation. |
Annual Fee |
₹10,000 + applicable GST. The annual fee is waived if you spend ₹7.5 Lakhs or more in the previous 12 months. |
Reward Redemption Fee |
₹99 + GST per redemption request, applicable when you redeem reward points for vouchers, travel, or statement credit. |
Cash Advance Fee |
2.5% of the withdrawn amount or ₹500 (whichever is higher), charged when you withdraw cash using the credit card. Interest is applicable from the date of withdrawal. |
Interest Charges |
3.75% per month (45% per annum) on outstanding balances if the total due amount is not paid by the due date. |
Minimum Amount Due |
Typically includes 5% of the total outstanding amount plus applicable taxes, fees, and any EMI amounts, as mentioned in the monthly statement. |
Late Payment Fee |
Ranges from ₹100 to ₹1,300, depending on the outstanding balance at the time of payment delay. |
Foreign Transaction Fee |
Around 3.5% of the transaction amount (plus taxes) on all international spends. Rates are subject to change as per HDFC Bank’s policy. |
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Mentioned below are the various eligibility requirements and documents necessary to fulfil before applying for the HDFC Bank BizBlack Business Credit Card:
Applicants should be aged between 21 and 65 years for self-employed applicants
Applicant should be an Indian resident
Income Tax Return (ITR) greater than ₹30 Lakhs per annum
Applicant should have a good credit score
Below are the commonly required documents by HDFC Bank for the application process:
Income Tax Returns (ITR) that show your declared income over recent financial years
GST returns that reflect business turnover and compliance
Bank statements for the last few months to review cash flow and transaction patterns
Merchant payment reports especially in case you accept digital payments
Identity and address proof such as Aadhaar Card, PAN Card, or other valid documents
Any additional business-related documents that the bank may request during verification
Here are the steps you can follow to apply for the HDFC BankBiz Black Business Credit Card on Bajaj Markets without any hassle:
Select the ‘Check Card Offer’ option and provide basic information such as your mobile number, date of birth, and occupation.
Confirm your identity by entering the One-Time Password (OTP) received on your registered mobile number.
Verify the auto-filled details, including your PAN number, email ID, residential PIN code, and income information.
Compare the available options and choose the HDFC Bank BizBlack Business Credit Card.
Click on ‘Submit’ to finish your credit card application quickly and securely.
If you require any assistance, you can reach out to HDFC Bank’s customer support at 1800-2600 or 1800-1600, with assistance available 24/7, including Sundays and bank holidays.
Disclaimer
Reviewer
This credit card is best suited for self-employed professionals, business owners, traders, and entrepreneurs with high-value business expenses. It is ideal for those looking to earn premium rewards, manage cash flow better, and enjoy travel and lifestyle benefits while using a business-focused credit card.
The card offers high reward points, up to 55 days of interest-free credit, airport lounge access, milestone benefits, and concierge services. These premium features are designed to support business spending while offering comfort, convenience, and savings, which sets it apart from regular business credit cards.
You earn reward points on most eligible business spends made using the card. On select categories and approved platforms, you can earn accelerated rewards of up to 5X points. These points can later be redeemed for travel bookings, vouchers, or statement credit.
Yes, the card offers up to 55 days of interest-free credit on purchases, provided you pay the total outstanding amount by the due date. This helps business owners manage short-term expenses without paying interest, improving overall cash flow efficiency.
Yes, the joining fee may be waived if you meet the required spend within the first 90 days. Similarly, the annual fee can be waived by achieving the minimum annual spend threshold, making the card more cost-effective for active users.
Applicants generally need to submit Income Tax Returns (ITR), GST returns (if applicable), recent bank statements, merchant payment reports, and valid identity and address proof. Additional documents may be requested based on the bank’s internal verification process.
Yes, reward points are valid for a limited period as defined by HDFC Bank’s rewards policy. If not redeemed within this timeframe, they expire automatically. It is advisable to track your reward balance regularly and plan redemptions in advance.
Yes, the card can be used for international transactions. However, a foreign currency markup fee is applicable on such spends. This fee is charged as a percentage of the transaction value, along with applicable taxes, as per HDFC Bank’s prevailing rates.
You can apply online for the HDFC Bank BizBlack Business Credit Card on Bajaj Markets. The process involves checking eligibility, submitting basic and financial details, completing verification, and providing required documents.
Academy 
