The HDFC BizBlack Metal Edition Credit Card is a premium offering designed for business professionals and high-net-worth individuals. It provides a range of exclusive benefits, including 5X reward points on tax payments, complimentary lounge access, and Club Marriott Membership.
Fees and Charges
- Joining Fee: ₹10,000 + taxes
- Annual Renewal Fee: ₹10,000 + taxes
- Fee Waiver: Waived on spending ₹7.5 lakhs in a year or ₹1.5 lakhs within the first 90 days.
Eligibility
- Age: 21 to 65 years
- Annual Income: ITR of ₹21 lakhs and above
- Category: Self-employed Indian citizens
Benefits
- Club Marriott Membership
- Taj Stay Voucher: ₹5,000 on spending ₹1.5 lakhs in the first 90 days
- SmartBuy Voucher: ₹5,000 on every ₹5 lakhs spent
- Annual Vouchers: Up to ₹20,000 on spending ₹20 lakhs annually
Rewards
- 5X Reward Points: On spends over ₹50,000 per statement cycle, capped at 7,500 points (equivalent to ₹56,250 spent)
- Redemption Options:
- Amazon Pay Vouchers: 1 point = ₹0.70
- Smartbuy Travel Bookings: 1 point = ₹1
- Cashback: 1 point = ₹0.30
- Product Purchases: 1 point = ₹0.5
- Air Miles: 1 Air Mile per point with Club Vistara and KrisFlyer
- Business Services: 1 point = ₹1 for Cleartax and Microsoft Office
Premium Perks
- Airport Lounge Access: Unlimited domestic and international access, plus Priority Pass membership
- Golf Rounds: Up to 6 complimentary rounds per quarter
Redemption Flexibility
- Minimum Redemption: 2,500 points
- Cap: Up to 150,000 points per statement cycle
- Point Validity: 3 years
Restrictions
- Daily Cap: 5,000 reward points on insurance transactions
- Monthly Cap: 2,000 reward points on groceries
- Earning Cap: 150,000 reward points per statement cycle
This card blends luxury with practicality, offering significant rewards and premium benefits for frequent travelers and business professionals.