# HDFC BizBlack Metal

HDFC Bank · Diners Club. ₹10,000 fee · 2% forex · 5 RP / ₹150 (3.33% at ₹1 travel value) · international earns base + 1% Global Value cashback.

verified · checked 3 July 2026 · Source: https://cardmaven.in/hdfc-bank-bizblack-credit-card-review/

## How it earns (6)

- 5 RP / ₹150 (3.33% at ₹1 travel value) · international earns base + 1% Global Value cashback · verified · checked 3 July 2026
- 10X via SmartBuy hotels (50 RP/₹150), cap 10,000 RP/mo · cap 10,000 points per month · verified · checked 3 July 2026
- 5X (25 RP/₹150) on Income Tax and GST portal payments, also PayZapp bills, MyBiz, SaaS · needs ₹50K cycle spend first, cap 7,500 RP/cycle · cap 7,500 points per statement cycle · above ₹50,000 per statement cycle · verified · checked 3 July 2026
- 5X via SmartBuy flights (25 RP/₹150; cap 10K RP/mo) · cap 10,000 points per month · verified · checked 3 July 2026
- 3X via SmartBuy Instant Vouchers (15 RP/₹150), cap 10,000 RP/mo · brand vouchers capped at 3,000 RP/mo from 1 Jul 2026 · cap 10,000 points per month · verified · checked 3 July 2026
- Utilities earn base but capped 2,000 RP/mo (+1% fee >₹75K) · cap 2,000 points per month · verified · checked 3 July 2026

## On gift vouchers

- ₹1,000 back on a ₹10,000 voucher bought through SmartBuy 3X. · 3X via SmartBuy Instant Vouchers (15 RP/₹150), cap 10,000 RP/mo · brand vouchers capped at 3,000 RP/mo from 1 Jul 2026
- Vouchers for Amazon: ₹333, bought through SmartBuy 1X. · 5 RP / ₹150 (3.33% at ₹1 travel value) · international earns base + 1% Global Value cashback
- Vouchers for Flipkart: ₹705, bought through SmartBuy 3X. · 3X via SmartBuy Instant Vouchers (15 RP/₹150), cap 10,000 RP/mo · brand vouchers capped at 3,000 RP/mo from 1 Jul 2026

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- Likely no RP on wallet-load gift cards (HDFC's usual exclusion) · SmartBuy vouchers earn 3X · direct brand vouchers not confirmed
- No RP: fuel, rent, wallet, education, EMI

## Milestones (4)

- ₹5,000 SmartBuy-flight/Taj voucher per ₹5L calendar-year spend (tier 1 of 4) · ₹5,000 at ₹5,00,000 spend per year · verified · checked 3 July 2026
- ₹5,000 voucher @ ₹10L calendar-year spend (tier 2) · ₹5,000 at ₹10,00,000 spend per year · verified · checked 3 July 2026
- ₹5,000 voucher @ ₹15L calendar-year spend (tier 3) · ₹5,000 at ₹15,00,000 spend per year · verified · checked 3 July 2026
- ₹5,000 voucher @ ₹20L calendar-year spend (tier 4, max ₹20K/yr; EMI/rent/fuel don't count; claim via Reward360 in 90d) · ₹5,000 at ₹20,00,000 spend per year · verified · checked 3 July 2026

## Lounges (1)

- Unlimited domestic and international visits for primary and add-on cards, no guests, if the card had at least 1 transaction the previous month. · Diners Club (card-based) · domestic and international · unlimited · checked 3 July 2026

## Transfer partners (1)

- KrisFlyer Miles · 1 : 1 · verified · checked 3 July 2026

## Comes with (2)

- 6 golf games + lessons per quarter
- Club Marriott membership + ₹5,000 Taj voucher (welcome; needs ₹1.5L spend in 90d)

## Fees

- Annual fee: ₹10,000 + GST
  Waived at ₹7,50,000 spend per card year
- Forex markup: 2%
- DCC markup: 1.75%
- Earns: HDFC Reward Points (BizBlack) · ₹1 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

---

Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hdfc-bizblack