The HDFC Biz Black Metal Edition has a ₹10,000 annual fee (waived on ₹7.5 lakh annual spend), earns 5 Reward Points per ₹150 on Other Spends, includes unlimited domestic & international lounge access and charges a 2% forex markup.
| Annual fee | ₹10,000 |
|---|---|
| Joining fee | ₹10,000 |
| Annual fee waived | On ₹7.5 lakh annual spend |
| Base rewards | 5 Reward Points per ₹150 on Other Spends |
| Lounge access | Unlimited domestic & international lounge access |
| Forex markup | 2% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
117 online offers across 29 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers, so they apply to every HDFC Bank card, not just this one. All HDFC Bank offers by category.
More about the Hdfc Biz Black Metal Edition Credit Card
Is the Hdfc Biz Black Metal Edition Credit Card worth it in 2026?
The Hdfc Biz Black Metal Edition Credit Card offers 5 Reward Points per Rs.150 spent across categories like insurance, grocery, and telecom. With unlimited complimentary domestic and international lounge visits, it justifies its Rs.10,000 joining and renewal fees if you spend over Rs.1.5 Lakhs annually to waive the joining fee.
Who should get the Hdfc Biz Black Metal Edition Credit Card?
This card is ideal for high-spending business professionals who frequently spend on insurance, groceries, utilities, and telecom. Users who value premium lounge access and can meet the Rs.1.5 Lakhs spending threshold to waive the joining fee will benefit the most.
How to maximise rewards on the Hdfc Biz Black Metal Edition Credit Card?
To maximise rewards, focus your spending on insurance, grocery, utility, telecom, and other categories where you earn 5 Reward Points per Rs.150. Meeting the Rs.1.5 Lakhs annual spend also helps waive the Rs.10,000 joining fee, increasing overall value.
Is the Hdfc Biz Black Metal Edition Credit Card good for international travel?
Yes, the card offers unlimited complimentary international lounge visits, enhancing travel comfort. Combined with its high reward rate on various spends, it is well-suited for frequent international travellers.