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HDFC Bank Biz Black Metal Edition Credit Card
HDFC • Diners Club

HDFC Bank Biz Black Metal Edition Credit Card

Premium business card with high-value points on travel and business spends.

Annual Fee₹10000Waived on INR 8L annual spends
Base Reward2.0%On all spends
Lounge Access5942 domestic • 17 intl
Est. Annual Savings₹-5,920Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹7,200

Assumes base reward rate only.

Annual fee₹10,000

Waived on INR 8L annual spends

Net value₹2,800

Estimated cost after fees.

Fee waiver target: ₹8,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
6.0%
Dining
3.0%
Basedefault
2.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • HDFC Bank Biz Black Metal Edition Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 6.0% on travel-aligned lanes, while broad base return remains closer to 2.0%.
  • Current mapped lounge footprint is 59, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 10,000 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹10,000
  • Annual fee₹10,000
  • Waiver threshold₹8,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkDiners Club
  • Domestic count42
  • International count17
  • Quarterly limitNot listed
  • Airport-terminal rows59
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports6
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HDFC Diners Club Black

Annual fee: ₹9999

Shared focus: Premium, TravelHigher top earn rate (16.0%)Estimated +₹8,312/yr value
View Details
Step 2

HDFC Infinia Metal

Annual fee: ₹12500

Shared focus: Premium, TravelHigher top earn rate (16.5%)Estimated +₹5,226/yr value
View Details
Step 3

HDFC Regalia Gold

Annual fee: ₹2500

Shared focus: TravelHigher top earn rate (6.5%)Estimated +₹8,727/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Bank Biz Black Metal Edition Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Validate latest spend-linked unlock, guest terms, and visit caps with current HDFC policy before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Validate latest spend-linked unlock, guest terms, and visit caps with current HDFC policy before travel.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

59 airport lounge rows
View lounge map and location list59 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Agartala

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AGA • Agartala Airport • Main Terminal

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The Lounge Domestic T1 DepartureDomestic

AHM • Ahmedabad Airport • Terminal 1

The Lounge International T2 DepartureInternational

AHM • Ahmedabad Airport • Terminal 2

Allahabad/Prayagraj

1 lounges • 1 domestic • 0 international

1
Zesto LoungeDomestic

ALL • Allahabad Airport • Terminal 1

Amritsar

2 lounges • 1 domestic • 1 international

2
Airr LoungeInternational

AMR • Amritsar Airport • Main Terminal

Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Ayodhya

1 lounges • 1 domestic • 0 international

1
Kailash ParbatDomestic

AYO • Maharshi Valmiki International Airport • Main Terminal

Bengaluru

6 lounges • 4 domestic • 2 international

6
080 Domestic T1 DepartureDomestic

BEN • Bengaluru Airport • Terminal 1

080 Domestic T2 DepartureDomestic

BEN • Bengaluru Airport • Terminal 2

080 International T2 ArrivalInternational

BEN • Bengaluru Airport • Terminal 2

080 International T2 DepartureInternational

BEN • Bengaluru Airport • Terminal 2

BLR Domestic T1 DepartureDomestic

BEN • Bengaluru Airport • Terminal 1

Care By BLR Domestic T1 ArrivalDomestic

BEN • Bengaluru Airport • Terminal 1

Bhopal

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

BHO • Raja Bhoj International Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus Lounge Domestic DepartureDomestic

CHA • Chandigarh Airport • Main Terminal

Primus Lounge International DepartureInternational

CHA • Chandigarh Airport • Main Terminal

Chennai

4 lounges • 3 domestic • 1 international

4
Travel Club Lounge A Domestic T1 DepartureDomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge B Domestic T1 DepartureDomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge Domestic T4 DepartureDomestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge International T2 DepartureInternational

CHE • Chennai Airport • Terminal 2

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Terminal 1

Dabolim

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge Domestic T1 DepartureDomestic

DAB • Dabolim Airport • Main Terminal

Travel Club Lounge International T1 DepartureInternational

DAB • Dabolim Airport • Main Terminal

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Saptagiri RestaurantDomestic

DIB • Dibrugarh Mohanbari Airport • Terminal 1

Goa

2 lounges • 1 domestic • 1 international

2
Encalm Lounge Domestic T1 DepartureDomestic

GOA • Goa Airport • Terminal 1

Encalm Lounge International T1 DepartureInternational

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm Lounge Domestic T1 DepartureDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm Lounge International T1 DepartureInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Jammu

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

JAM • Jammu Airport • Terminal 1

Kannur

2 lounges • 1 domestic • 1 international

2
Pearl Lounge Domestic T1 DepartureDomestic

KAN • Kannur Airport • Main Terminal

Pearl Lounge International T1 DepartureInternational

KAN • Kannur Airport • Main Terminal

Kochi

3 lounges • 1 domestic • 2 international

3
Earth Business Class Lounge T3 DepartureInternational

KOC • Kochi Airport • Terminal 3

Earth Lounge Domestic T1 DepartureDomestic

KOC • Kochi Airport • Terminal 1

Earth Lounge International T3 DepartureInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge Domestic T2 DepartureDomestic

KOL • Kolkata Airport • Terminal 2

Travel Club Lounge International T2 DepartureInternational

KOL • Kolkata Airport • Terminal 2

Lucknow

1 lounges • 1 domestic • 0 international

1
CIP LoungeDomestic

LUC • Lucknow Airport • Terminal 3

Madurai

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

MAD • Madurai Airport • Terminal 1

Mumbai

4 lounges • 3 domestic • 1 international

4
Adani East Lounge T2 International DepartureInternational

MUM • Mumbai Airport • Terminal 2

Adani Lounge Domestic T2 DepartureDomestic

MUM • Mumbai Airport • Terminal 2

Adani Lounge T1B Domestic DepartureDomestic

MUM • Mumbai Airport • Terminal 1B

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm Lounge Domestic T1 DepartureDomestic

NEW • New Delhi Airport • Terminal 1

Encalm Lounge Domestic T3 DepartureDomestic

NEW • New Delhi Airport • Terminal 3

Encalm Lounge International T3 DepartureInternational

NEW • New Delhi Airport • Terminal 3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian Lounge GF Domestic DepartureDomestic

PUN • Pune Airport • Main Terminal

Ranchi

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Main Terminal

Siliguri

1 lounges • 1 domestic • 0 international

1
Take Off Bar And LoungeDomestic

SIL • Bagdogra Airport • Main Terminal

Srinagar

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

SRI • Srinagar Airport • Terminal 1

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
The Lounge International T2 DepartureInternational

THI • Thiruvananthapuram Airport • Terminal 2

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Main Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take Off BarDomestic

VAR • Varanasi Airport • Main Terminal

Visakhapatnam

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

VI1 • Visakhapatnam Airport • Main Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Premium lounge access program for domestic and international travel
  • Accelerated reward points on flights and hotels
  • Business expense management with premium concierge support

Things to Consider

  • High annual fee without spend waiver
  • Best value requires travel-focused redemption
  • Business eligibility checks can apply at onboarding

About HDFC Bank Biz Black Metal Edition Credit Card

HDFC Bank Biz Black Metal Edition Credit Card is a points card from HDFC, best for founders and frequent business travelers with high annual spend. It is tagged under premium, travel, rewards, international categories in our database.

PremiumTravelRewardsInternational

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Frequently asked questions

Is HDFC Bank Biz Black Metal Edition Credit Card lifetime free?

It has an annual fee of ₹10000. Waived on INR 8L annual spends

What rewards does HDFC Bank Biz Black Metal Edition Credit Card offer?

Premium business card with high-value points on travel and business spends.

Does HDFC Bank Biz Black Metal Edition Credit Card include lounge access?

HDFC Bank Biz Black Metal Edition Credit Card lists 59 lounge visits (42 domestic, 17 international).

Who should consider HDFC Bank Biz Black Metal Edition Credit Card?

Founders and frequent business travelers with high annual spend

Where can I apply for HDFC Bank Biz Black Metal Edition Credit Card?

Check the issuer link listed for this card.