The HDFC Bank BizBlack Credit Card is the premium card in HDFC’s business range, aimed at established business owners with an ITR above ₹30 lakh. It offers unlimited domestic and international airport lounge access, 5X reward points on tax, GST and vendor payments, up to 10X through SmartBuy, and hotel and travel perks from Marriott and Taj. Like all HDFC Biz cards, it gives up to 55 days of interest-free credit on business expenses, which can smooth out cash flow between paying suppliers and getting paid by customers.
How the rewards work
| Where you spend | What you earn |
|---|---|
| Business expenses (excluding fuel, education, EMI and wallet loads) | 5 points per ₹150 |
| PayZapp and SmartPay bills, income tax, GST and vendor payments via Swifti and SmartHub Vyapar | 5X points |
| Travel and online shopping via SmartBuy | Up to 10X points |
| Flights via MMT MyBiz | Up to 3% off |
| Hotels via MMT MyBiz | Up to 4% off |
Earns nothing on: fuel, education, EMI transactions and wallet loads are excluded from base reward points.
Welcome and milestone benefits
| Welcome | Club Marriott annual membership and a ₹5,000 Taj Stay voucher on ₹1.5 lakh spend in the first 90 days |
|---|---|
| Milestone | ₹5,000 flight or Taj Stay voucher for every ₹5 lakh spent |
| Milestone cap | ₹20,000 in vouchers per calendar year |
What you would actually earn
A business putting ₹20 lakh a year through the card hits the milestone four times for ₹20,000 in vouchers, on top of its reward points. Add the ₹5,000 Taj voucher in the first 90 days and unlimited lounge visits for every trip, and the first-year value comfortably exceeds the ₹11,800 fee including GST. That spend level is also far above the ₹7.5 lakh waiver threshold, so the card is free from year two.
Other benefits
- Unlimited lounge access at domestic and international airports.
- Up to 40% off business software such as Tally, Office 365, AWS, Google Workspace and Credflow via SmartBuy BizDeals.
- Up to 55 days of interest-free credit on business spends.
Fees and charges
| Joining fee | ₹10,000 + GST |
|---|---|
| Annual fee | ₹10,000 + GST |
| Annual fee waiver | Spend ₹7,50,000 or more in the previous year |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Self-employed individuals and business owners |
| Income | ITR above ₹30 lakh a year |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: recent bank statements or ITR-backed income proof
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on HDFC Bank site on this page to open HDFC Bank’s business credit card application.
- Complete the form in one session, using the mobile number linked to your Aadhaar.
- Finish video KYC from your current address when prompted.
- Once the card arrives, activate it with your first transaction and set up SmartPay for recurring business bills.
Who should get it, and who shouldn’t
Get it if your business spends ₹7.5 lakh or more a year on card-friendly payments such as GST, tax, vendors and travel, and you fly often enough to value unlimited lounges.
Skip it if your ITR is under ₹30 lakh or your card spending is modest. BizPower gives many of the same perks for a quarter of the fee.
Tip: the ₹5,000 Taj welcome voucher needs ₹1.5 lakh of spending within 90 days. Time your application before a big GST payment or vendor settlement so you clear it easily.
