HDFC Bank · Diners Club
HDFC BizBlack
A super-premium business metal card with 5X rewards on taxes and business essentials, unlimited lounges, golf and milestone travel vouchers.
- Business
- Taxes
- Metal
- Includes unlimited domestic and international lounge access for primary and add-on cardholders, plus Rs 5,000 vouchers at each Rs 5L milestone.
- Earn 25 RP per Rs 150 (5X) on eligible business and tax categories such as income tax, GST and PayZapp bills.
- Fee
- Rs 10,000 + GST Waiver at Rs 7.5L
- 5X cap
- 7,500 bonus RP/cycle
- Lounges
- Unlimited
At a glance
HDFC BizBlack highlights
- Base
- 5 RP per Rs 150 on eligible retail spends
- 5X
- 25 RP per Rs 150 on eligible business and tax categories
- Lounge
- Unlimited domestic + international access
- Cap
- 7,500 bonus RP per statement cycle
HDFC BizBlack: fees & key facts
| Joining fee | Rs 10,000 + GST |
|---|---|
| Annual fee | Rs 10,000 + GST; waived on Rs 7,50,000 spend in the previous membership year |
| Welcome benefit | Benefits worth Rs 10,000, including Club Marriott membership and MMT Black Elite membership |
| Base rewards | 5 Reward Points per Rs 150 on eligible retail spends |
| 5X rewards | 25 Reward Points per Rs 150 on eligible accelerated categories including income tax, GST, PayZapp bills, SmartPay, SmartBuy and Nuclei business spends |
| 5X cap | Accelerated bonus rewards are capped at 7,500 Reward Points per statement cycle |
| Milestone vouchers | Rs 5,000 travel voucher on every Rs 5 lakh spend milestone, up to Rs 20,000 vouchers per calendar year |
| Lounge access | Unlimited domestic and international airport lounge access for primary and add-on cardholders |
| Golf | 12 complimentary golf games and 12 golf lessons per calendar year |
| Reward value | Reward Points can be worth up to Rs 1 each for flight and hotel bookings through SmartBuy; cash redemption is lower |
| Forex markup | 2% + GST; Global Value Program cashback may apply to international spends, subject to terms |
| Exclusions | No rewards on categories such as fuel, wallet loads, rent, EMI, selected government spends and other excluded MCCs; check current HDFC terms before routing large business spends |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
HDFC BizBlack is built for business owners and professionals who can route large eligible business spends through one card, especially tax payments and HDFC business platforms.
The headline value is 5X rewards: 25 Reward Points per Rs 150 on eligible categories such as income tax, GST, PayZapp bill payments, SmartPay, SmartBuy and Nuclei business spends. The catch is the 7,500 bonus Reward Points cap per statement cycle, so it works best when spends are planned around the cap.
It is not a beginner card. The Rs 10,000 + GST fee, Diners Club acceptance and reward exclusions make it meaningful only if you can use the 5X buckets, milestone vouchers, unlimited lounge access, golf and business-travel perks.
HDFC BizBlack FAQs
Who should get the HDFC BizBlack Credit Card?
It is best for business owners, consultants and professionals who can route eligible tax, bill, SmartPay, SmartBuy or business-platform spends through the card and use the 5X cap, milestone vouchers and lounge benefits.
What is the HDFC BizBlack annual fee?
The joining and annual fee are Rs 10,000 plus GST. The annual fee is waived on Rs 7,50,000 spend in the previous membership year.
How does the 5X reward structure work?
Eligible accelerated categories earn 25 Reward Points per Rs 150 instead of the base 5 Reward Points per Rs 150. The accelerated bonus is capped at 7,500 Reward Points per statement cycle.
Does HDFC BizBlack earn rewards on tax payments?
Income tax and GST payments are among the 5X accelerated categories. Because tax and government payment rules can change, check large payments against the latest HDFC terms before use.
What lounge access does HDFC BizBlack provide?
Primary and add-on cardholders receive unlimited domestic and international airport lounge access, making it one of the card's strongest lifestyle benefits.
Explore more cards
Application links on this page may earn Book1A an incentive at no extra cost to you — see our affiliate disclosure.