HDFC Bank
HDFC Biz Black Metal Edition Credit Card
HDFC Bank
4.8
Best for: Large enterprises and high-spending businesses
Key Features
Annual Fee
₹10,000
Regular APR
3.6% per month (43.2% p.a.)
Airport Lounge Access
Unlimited
Rewards & Benefits
Sign-up Bonus
15,000 reward points
Rewards Rate
5X points on bill payments/tax/GST, unlimited lounge access
Pros
- Unlimited airport lounge access
- 5X points on business expenses
- 55 days interest-free period
- Marriott membership included
- Golf and concierge services
Cons
- High annual fee (₹10,000)
- Complex reward structure
- High eligibility criteria
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