The HDFC Bank Biz Black Credit Card is a premium credit card designed specifically for business professionals and high-net-worth individuals in India. Considered one of the best premium business credit cards in India.
The Biz Black Card is among the selected cards that provide reward points benefits for paying income tax. HDFC Bank Biz Black Credit Card offers a range of exclusive benefits and perks tailored to meet the needs of business owners and professionals.
Know more from this page to get reward points for GST & Income Tax payments with Biz Black Business Credit Cards.
Exclusive offers by HDFC Biz Black Credit Card
The HDFC Biz Black Credit Card offers exclusive perks like benefits on paying income tax, unlimited airport lounge access, complimentary golf games, a welcome Club Marriott membership with a Taj stay voucher, and milestone rewards such as SmartBuy flight/Taj stay vouchers, providing exceptional value for frequent business travelers and professionals.
HDFC Biz Black Credit Card Eligibility
The HDFC Biz Black Credit Card offers premium benefits and services, ensuring you get the most out of your spending and usage. Hence, to avail these benefits, here are the eligibility criteria that customers need to fulfill:
| Eligibility Criteria | Details |
|---|---|
| Occupation | Self-employed |
| Citizenship | Indian |
| Age | 21 to 65 years |
| Annual Income Requirement | ITR above ₹22 Lakhs |
| Documents for Application | ITR, GST returns, Bank statements, Merchant payment report |
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The HDFC Biz Black Credit Card provides features and benefits that enhance your spending power and provide valuable rewards. Here’s a detailed overview:
- Extended Credit Free Period: Enjoy up to 55 days of interest-free credit on all your business expenses, allowing for better cash flow management.
- Core Earn: Earn 5 reward points for every ₹150 spent (excluding petrol, wallet, rent, education, and EMI payments), maximizing your rewards on everyday business purchases.
- Accelerated Earn: Receive 5X reward points on spends over ₹50,000 per statement cycle, capped at 7,500 reward points. This applies to business-related expenses such as telecom and utility payments via SmartPay & PayZapp, income tax payments through the Income Tax Portal, GST payments via the GST Portal, and subscriptions to productivity tools like Tally, Office 365, AWS, Google, Credflow, Kylas, Mailmodo, Canva, Azure via Nuclei, and hotel bookings powered by SmartBuy Biz Deals, as well as flight and hotel bookings via MMT MyBiz powered by SmartBuy Biz Deals.
- Welcome Benefit: Receive a Club Marriott membership and a Taj stay voucher worth ₹5,000 when you spend ₹1.5 lakh within the first 90 days of card issuance.
- Milestone Benefit: Earn a flight voucher or Taj stay voucher worth ₹5,000 for every ₹5 lakh spent. Accumulate vouchers worth up to ₹20,000 on spending ₹20 lakh in a calendar year.
- Business Insurance Package: Avail a comprehensive business insurance package at an annual premium of ₹3,785 (including GST) to safeguard your business interests.
- Lounge Access: Enjoy unlimited airport lounge access to over 1,000 lounges globally for primary and add-on card members (available only for active cards).
- Other Benefits: Indulge in complimentary golf games across some of the finest courses worldwide (6 per quarter).
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HDFC Biz Black Credit Card Fees & Charges
The HDFC Biz Black Credit Card comes with certain fees and charges. The table below mentions the details of the same:
| Feature | BizBlack |
|---|---|
| Annual Fee | ₹10,000 + GST |
| Reward Points | 5X accelerated reward points |
| Airport Lounge Access | Unlimited domestic and international |
| Fuel Surcharge Waiver | 100% waiver on fuel surcharge |
| Other Benefits | Complimentary hotel stays, travel insurance, concierge services |
Note: The fees and charges might vary. Please visit the official website for latest update
Documents Needed for HDFC Biz Black Credit Card
To apply for the HDFC Biz Black Credit Card, you must submit specific documents. These documents ensure that applicants have these documents ready to avail of the card’s premium benefits.
| Criteria | Required Document |
|---|---|
| Identity Proof | PAN card, Aadhaar card, passport, or driving license |
| Residential Proof | Aadhaar card, passport, driving license, or utility bills |
| Proof of Registered Office Address | Utility bills, rental agreements, or property tax receipts |
| Business Registration Certificate | Certificate of incorporation, partnership deed, or proprietorship registration |
| Proof of Business Income | Profit and loss account and balance sheet |
| Proof of Business Continuity | Bank statements, invoices, or tax returns |
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Savings on Biz Black Credit Card
HDFC Biz Black Credit Cardholders earn 5X points on business essentials and 5 points on retail spending over ₹150, enabling significant savings year-round.
| Rewards, Spends, and Annual Savings | ||
|---|---|---|
| Rewards | Monthly Spends | Annual Savings |
| 5X Reward Points on Business Essentials | ₹56,250 | ₹90,000 |
| 5 Reward Points on Retail Spends | ₹1,18,750 | ₹47,500 |
| Flight/Hotel Vouchers | ₹20 Lakh | ₹20,000 |
| Membership Fee Waiver | ₹7.5 Lakh | ₹10,000 |
Not just that, HDFC Bank Biz Black Credit Cardholders can enjoy the benefits of travel, lifestyle, and dining perks, letting them indulge and save big every time! Here’s how:
Travel Benefits: Cardholders enjoy unlimited complimentary lounge access at both domestic and international airports, making travel more comfortable and luxurious, while saving significantly on lounge access fees.
| Unlimited Airport Lounge Access | |
|---|---|
| Monthly Spends | – |
| Annual Savings | ₹41,280 |
Lifestyle Benefits: Enjoy 6 complimentary golf games per quarter, allowing enthusiasts to play high-quality games throughout the year without the associated costs.
| Lifestyle Benefits | ||
|---|---|---|
| Rewards on | Monthly Spends | Annual Savings |
| Golf Games | – | 1,20,000 |
| Luxury Spa | – | 6000 |
Welcome Benefits: By spending ₹1.5 lakh within the first 90 days, new cardholders receive a clubMARRIOTT annual membership and a Taj stay voucher, offering excellent value for frequent travelers and hospitality enthusiasts.
| Welcome Benefits | ||
|---|---|---|
| Rewards on | Monthly Spends | Annual Savings |
| clubMARRIOTT Annual Membership + Taj Stay Voucher | ₹1.5 Lakh (within 90 days) | ₹10,000 |
Dining Benefits: Enjoy up to 25% savings on dining bills when using platforms like Swiggy and dineout, helping frequent diners cut costs.
| Dining Benefits | ||
|---|---|---|
| Rewards on | Monthly Spends | Annual Savings |
| Save up to 25% on Dining Bills via SWIGGY & dine out | – | ₹6,000 |
Platform Benefits: On purchases through HDFC Bank’s SmartBuy platform, cardholders can earn up to 10X reward points, significantly increasing savings on regular purchases.
| Rewards on | Annual Savings |
|---|---|
| Not specified (on SmartBuy purchases) | ₹90,000 |
Note: It’s essential to review the detailed terms and conditions of the card to accurately calculate your potential savings. Factors such as annual fees, interest rates, and redemption values can also impact the overall savings.
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Steps to Apply for HDFC BIZ Black Credit Card
If you are planning to avail all the exclusive benefits provided by HDFC Biz Credit Cards, here are the quick steps you can follow and apply for your Biz credit card today!
- Step 1: Visit the official website of the bank or financial institution and navigate to the Credit Card section.
- Step 2: Review the features and benefits of the Business Credit Card you’re interested in. This will help ensure you’re selecting a card that suits your needs.
- Step 3: After choosing a card, verify that you meet the eligibility requirements before proceeding.
- Step 4: If you qualify, look for the ‘Apply Now’ option. Select the Business Credit Card you wish to apply for.
- Step 5: You’ll be directed to an online application form. Provide all the necessary personal and business information in the form.
- Step 6: Upload scanned copies of all required documents as per the instructions.
- Step 7: Double-check the information you’ve entered and then submit the application.
- Step 8: Wait for the issuer to review your application. They will contact you with an update on your application status.
HDFC Biz Black vs. Infinia Credit Card
Both the HDFC Biz Black Credit Card and the HDFC Infinia Metal Edition are premium credit cards offering exclusive benefits and rewards. However, they serve to slightly different segments and have distinct features.
Here is the table to assist you with a better understanding on which among these premium cards are best suited for you.
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Frequently Asked Questions
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