HDFC Bank Biz Black Credit Card
HDFC BizBlack is a premium business credit card offering high reward rates on business expenses such as travel, advertising, and utilities. It includes milestone-based benefits, lounge access, and flexible redemption options, making it suitable for entrepreneurs and professionals.
- Issuer
- HDFC Bank
- Card type
- Rewards Card
- Category
- Businesss
- Joining fee
- ₹10,000 + GST
- Annual fee
- ₹10,000 + GST
- Rewards currency
- Reward Points
Highlights
- 5 RP per ₹150 on select business spends.
- Renewal fee waiver on spending ₹7.5 in the previous year.
- Club Marriott membership and Taj stay voucher upon spending ₹1.5 lakh in the first 90 days.
- Flight or Taj stay voucher worth ₹5,000 on ₹5 lakh spend.
- Unlimited domestic and international lounge access with six complimentary golf games per quarter.
Welcome, annual & renewal benefits
- Joining and Renewal fee of ₹10,000 + taxes.
- Spending ₹1.5 lakh within 90 days waives the joining fee and spending ₹7.5 lakh in the previous year waives the renewal fee.
- Upon spending ₹1.5 lakh within 90 days, cardholders receive Club Marriott membership and a complimentary Taj stay voucher.
Reward earning
| Spend type | Earn rate |
|---|---|
| Select business spends | 25 RP / ₹150 |
| SmartBuy partners | up to 25 RP |
| Other eligible spends | 5 RP / ₹150 |
- 5x points on bussiness spends are applicable only on a spend of more than Rs.50,000 per statement cycle.
- Bussiness spends elegible for accelerated spends include Income Tax and GST payments, Utility bills through PayZapp and other business productivity tools like office 365.
- Accelerated earn for business spends capped at 7500 RP
- Total Reward points capped at 1.5 lakh points per month.
- Points redeem at ₹1 per point for travel bookings via SmartBuy, business catalogue or statement credit.
- No reward points on fuel, rent, wallet loads and government payments.
Redemption options
Redeem via HDFC SmartBuy for maximum value or move points to airline partners when conversions align with your itinerary.
- Airline partners convert at up to 1 RP : 1 air mile (KrisFlyer only).
- You can cover up to 50% of a booking's value with Reward Points.
| Channel | Value |
|---|---|
| SmartBuy exclusive catalog | 1 RP = ₹0.5 |
| SmartBuy flights & hotels | 1 RP = ₹1 (up to 1,50,000 RP/month) |
| Products & vouchers | Up to ₹0.5 per RP |
| Statement credit | ₹0.30 per RP (cap 50,000 RP/month) |
Milestone benefits
- Flight or Taj stay voucher worth ₹5,000 on every ₹5 lakh spend.
- Annual fee waiver on spending ₹7.5 lakh in the previous year.
Lounge, Travel & lifestyle
- Unlimited domestic and international lounge access.
- Six complimentary golf games per quarter.
- Club Marriott dining, stay and spa discounts up to 20 %.
- SmartBuy BizDeals and merchant offers for corporate purchases.
Review
This is a must have card if you own/run a business and have tax payments. 16% back on Tax payments is too good to miss out on.
- Very good base reward rate of 3.3%.
- Accelerated reward rate of 16.6% on Tax payments and certain business spends.