BizBlack Metal Edition Credit Card
The business counterpart to Infinia, crafted in solid metal for entrepreneurs and corporate directors. BizBlack earns 5X rewards on enterprise expenses like cloud infrastructure, GST/advance tax, and software subscriptions, accompanied by unconditional worldwide lounge access.
Why We Recommend The BizBlack Metal Edition Credit Card
The ultimate commercial card in India. Blends super-premium lifestyle perks with huge rewards on software, advertising, and vendor bills.
Corporate founders, business owners, and HNIs managing large operational expenses
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BizBlack Metal Edition Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1 RP = ₹1.00 for flights/hotels or 1:1 air miles on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BizBlack Metal Edition Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BizBlack Metal Edition Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Unlimited complimentary worldwide airport lounge visits via Priority Pass
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BizBlack Metal Edition Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Solid metal card body engineered for entrepreneurs and HNIs
Milestone vouchers worth ₹5,000 on every ₹5 Lakh spend (up to ₹20,000/year)
Up to 55 days of interest-free credit cycle for optimized working capital
Pros & Cons of the BizBlack Metal Edition Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Unlimited worldwide airport lounge access with zero spend hurdles
- Earns high rewards on corporate tax, GST, and vendor payments
- Low 2.0% forex fee for international business travel
Things to Consider (Cons)
- High income/turnover requirement for business applicants
- Reward caps apply to government and utility categories
Who Can Apply for the BizBlack Metal Edition Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
760+ Score Recommended
Applicants with a credit score of 760 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BizBlack Metal Edition Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from HDFC Bank
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BizGrow Credit Card
Crafted to assist growing startups, consultants, and freelance agencies with overhead expenses. BizGrow grants 10X CashPoints on business utility payments, GST filing bills, and software tools, supplemented with direct integration into SmartHub Vyapar for invoicing and sales analytics.
BizPower Credit Card
Designed for mid-market business owners and partners who travel regularly for client engagements. It provides an optimal balance between 5X reward acceleration on corporate taxes, utility bills, and SaaS software licenses, alongside 8 domestic and 4 international airport lounge visits.
Ready to Apply for the BizBlack Metal Edition Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.