BizBlack METAL Business Credit Card

Earn 5X Reward Points on your select Business spends such as:

• Bill Payment via Payzapp & SmartPay

• Income Tax/ Advance Tax payment via eportal.incometax.gov.in View steps. 

• GST payment via payment.gst.gov.in view steps.

• Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

• Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei 

Note: 5X Reward Points applicable on minimum spends ₹50,000 in statement cycle.

Click here to view your savings on Biz Black Credit Card

T&C apply

• *Get Club Marriott Annual Membership + Taj Stay voucher worth ₹5,000 on spends of ₹1.5 lakh within first 90 days. 

• With effect from 25th October 2025, the Welcome Benefit will be applicable only to first-time cardholders. It will not apply to conversions, migrations, or upgrades.
  T&C Apply

• Easily track your Welcome Benefit spends & redeem benefit via Milestone redemption portal Click Here.

Milestone Benefits

• Enjoy SmartBuy Flight / Taj Stay Voucher worth ₹ 5000 on every ₹ 5 Lakhs spends(excluding EMI, rent, petrol).
• Earn vouchers worth ₹ 20,000 in calendar year (₹ 20 Lakhs spends) .
• Easily track your Milestone spends & redeem benefit via Milestone redemption portal. Click Here
  T&C Apply

Click here to know how to redeem your reward points

• A minimum of 2500 RP is needed to redeem Reward Points against statement balance.
• Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit. 
• With effect from 1st February 2023, cardmembers can redeem up to 70% of product/Voucher value through Reward Points on select vouchers/products and pay the remaining amount via Credit card.  
• Unredeemed Reward Points will expire/lapse after 3 year of accumulation. 
• The maximum 1,50,000 Reward Points can be earned in a statement cycle.

SmartBuy BizDeals:  

• Avail up to 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business  
• Business Travel Benefits via MMT MyBiz 
• 4% off on Flights and Hotels booking. 
• Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

Business Productivity Tools via – Nuclei :  

• Instant discount on your Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more.  
• Get GST Invoice for availing Input Tax Credit 

• Unlimited Airport lounge access valid for only Active cardholders.
• List of Domestic lounge list
• For International lounge list, please check Diners Travel Tool App​

Note :

• Cardholders can access International lounge using their Diners BizBlack Credit Card.
• Priority Pass is not required to access International lounge access.
• Lounge access will be applicable to last month Active cardholder.
• “Active Cardholder” defined as Card holder who have done min. 1 online/In-store transaction in last month. Active Cardholder will get unlimited lounge access for current month.
• Active Cardholders can enjoy Unlimited lounge access from 5th of the current month.

Here are some of the services provided by our concierge:

• Golf Booking
• Itinerary planning and reservation assistance
• Private dining assistance
• International gift delivery
• Event planning and referrals
• Airport VIP service (meet-and-greet) and much more.

Customer care numbers:

• Toll Free No.: 1800118887 (India) Landline No.: 022 42320226
• Toll Free: 1800 266 3310
• Landline: 022-6171 7606 (For customers travelling overseas)
• Email: bizblack.support@smartbuyoffers.co

• Dining Delight: exclusive dining offers, from gourmet cuisine to local delicacies. To Know more click here

•  Health & Wellness:  Get up to 15% off* on Fitness membership, pharmacy purchases & more.

• Small Medium Enterprise (SME): Boost your Business with special offers on business producitivity tools, HR Solutions & more. to know more Click Here  

• Dining Benefits: Get up to 10% savings on all your restaurant bill payments with Swiggy Dineout on paying via Swiggy App using your card (20k + restaurants). Click here to Know more. 

• Easy EMI:
  - Choose EMI option for your large online or in-store purchases using your Biz Black Credit Card and avail easy repayments using Easy EMI.
  - Easy EMI Plan details such as EMI Amount, Total Loan Amount, Rate of Interest will be displayed in the charge slip (in-store purchases) or at the time of transaction (online purchases)
  - Click Here to know more.
• Zero Lost card liability: In the unfortunate event of losing your HDFC Bank Biz Black Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 266 3310, you have zero liability on any fraudulent transactions made on your Credit Card.

Golf Benefits

• Call us on the Toll-free no.: 1800 118 887 (India) or on Landline – 022 42320226.
• Customers travelling overseas can call at Landline: 022-6171 7606
• List of Domestic & International Golf Courses details.
  Click here for detailed T&C and FAQ on the golf program
• Get 24-hour access to Golf Concierge Assistance services for booking/cancellation.

Manage your Business with ease

• Make GST payment using Business Credit Card:  

• Via GST portal: payment.gst.gov.in : Click here to view the steps. 

• Pay Income Tax/ Advance Tax using Business Credit Card(eportal.incometax.gov.in):  Click here to view the steps. 

SmartBuy BizDeals:  

• Avail up to 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business  

• Business Travel Benefits via MMT MyBiz 

• 4% off on Flights and Hotels booking. 

• Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

Business Productivity Tools via – Nuclei :  

• Instant discount on your Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more.  

• Get GST Invoice for availing Input Tax Credit  

• Access your HDFC Bank Biz Black Credit Card 24/7 on the go via the HDFC Bank MyCards platform. 

• Convert your big spends into SmartEMI after purchase. To know more Click Here

• Enjoy zero liability on fraudulent transactions made using your Credit Card. Get a credit liability cover of ₹9 lakh.

• Skip the line for check-in and receive baggage assistance.

• Save up to 16.6% on Income Tax/GST & Bill Payments

• SmartPay is an automatic payment facility available on your Credit Card to pay your utility bills.  Get assured CashBack up to ₹1,800 in the first year and exciting e-vouchers worth up to ₹800 for adding 2 or more bills on SmartPay.

Steps to enable SmartPay on NetBanking ​​​​​​​: 

• BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable SmartPay on Debit/Credit Card 

Or

• Cards> Credit Cards> SmartPay> Continue > Add Biller > Select Category > Enter Details and Enable SmartPay on Debit/Credit Card> Choose Biz Black Credit Card 

Steps to enable SmartPay on MobileBanking:  

• Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable SmartPay on Debit/Credit Card > Choose Biz Black Credit Card

• Secure your Business with specially curated Business Insurance package. Cardholders have the option to choose higher Business Insurance cover as per their business need.
  Click here to Apply
• Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.
• List of Business Insurance plans.

T&C apply

• Joining/Renewal Membership Fee – ₹10,000/- plus Applicable Taxes

• Spend ₹7.5 lakh in an anniversary year (12 billing cycles) and get Renewal Fee waived for next renewal year.

• Spend ₹1.5 lakh in first 90 days of card issuance to get First Year Joining Fee waived off (Applicable for fresh issuance only)

Click here to view more details of the fees and charges applicable on your HDFC Bank Biz Black Credit Card.

• HDFC Bank Biz Black Credit Card Eligibility :
• A Self Employed Indian Citizen aged between 21 yrs. to 65 Yrs.
• Annual ITR above Rs 30 Lakhs
• (Customers can apply credit card using ITR, GST returns)
• Click here to know more

• *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
• Click here for more T&Cs