Super-premium metal card for business spends.
Base
5 RP per Rs 150 on eligible retail spends
5X
25 RP per Rs 150 on eligible business and tax categories after Rs 50K spend per cycle
Lounge
Unlimited domestic + international access
Cap
7,500 bonus RP per statement cycle
Requires ₹50,000 spending per statement cycle; 7,500 cap applies to the additional 4X bonus, with base points separate. SmartBuy has a separate 10,000 monthly bonus cap 25 Reward Points per Rs 150 on eligible accelerated categories including income tax, GST, PayZapp bills, SmartPay, SmartBuy and Nuclei business spends
No rewards on fuel, wallet loads, rent, education, EMI and online skill-based gaming. Eligible income-tax and GST routes can earn rewards; PayZapp has additional 5X exclusions
Unlimited domestic and international airport lounge access for primary and add-on cardholders.
₹5,000 eligible flight/Taj voucher per ₹5 lakh milestone, up to ₹20,000 per calendar year; redemption options and validity apply
Includes 12 complimentary golf games and 12 golf lessons per calendar year.
| 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 | For cards set up from 15 September 2026: ALL Accor+ Explorer membership after Rs 1.5 lakh spend within 90 days. Earlier card cohorts have different welcome terms |
| 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 | Requires ₹50,000 spending per statement cycle; 7,500 cap applies to the additional 4X bonus, with base points separate. SmartBuy has a separate 10,000 monthly bonus cap |
| Milestone vouchers | ₹5,000 eligible flight/Taj voucher per ₹5 lakh milestone, up to ₹20,000 per calendar year; redemption options and validity apply |
| 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 fuel, wallet loads, rent, education, EMI and online skill-based gaming. Eligible income-tax and GST routes can earn rewards; PayZapp has additional 5X exclusions |
| First-year fee waiver | ₹1.5 lakh eligible spend within 90 days for fresh issuance; upgrade cases do not qualify for this first-year waiver |
Public issuer terms checked 3 October 2026.
SmartBuy’s transfer screen requires cardholder verification. Accor 2:1 is confirmed by Accor’s official HDFC terms; other current card-specific ratios require the live account screen.
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.
Reward exclusions
Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.
Eligible income-tax and GST payments can earn rewards. The 5X programme requires ₹50,000 of spending per statement cycle and caps accelerated points at 7,500. PayZapp has additional categories that do not receive 5X; base earning and fee-waiver rules are separate.
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.
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.
After Rs 50,000 spending in a statement cycle, eligible accelerated categories earn 25 Reward Points per Rs 150 instead of the base 5. The accelerated bonus is capped at 7,500 Reward Points per statement cycle.
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.
Primary and add-on cardholders receive unlimited domestic and international airport lounge access, making it one of the card's strongest lifestyle benefits.
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You'll apply on HDFC Bank