Editor’s note: This is a recurring post, regularly updated with new information and offers. Last Updated 10th February 2025.
The HDFC BizBlack Credit Card is a premium business credit card from HDFC Bank, issued in partnership with Diners Club. It is designed for high-net-worth individuals and business owners and offers exclusive travel, rewards, and lifestyle privileges. With its sleek metal design, the card provides luxury perks such as airport lounge access, hotel vouchers, and accelerated rewards, making it ideal for those seeking rewards from their business spending. It is meant for sole proprietor companies but is open for other business types also.
Packed with high-end benefits, this card ensures superior rewards on business transactions while enhancing its users’ overall lifestyle experience. Here’s a closer look at its standout features and benefits.
Contents
Charges and Welcome Benefits
| Joining Fees | ₹10,000 + GST (Waived off on spending ₹1.5L in 90 days) |
| Welcome Benefits | 1) Club Marriott Annual Membership 2) Taj Hotels Stay voucher worth ₹5000 on spends of ₹1.5L within first 90 days |
| Renewal Fees | ₹10,000 + GST |
| Renewal Benefits | NIL |
| Renewal Fee Waiver | Spend ₹7.5L or more in a year. |
Reward Points Accrual
| Spends Area | Reward Rate | Maximum Capping per Calendar Month |
| All retail* spends | 5 Reward Points per ₹150 spent (1X) | NA |
| Business Essential Spends (a. Bill payments via SmartPay & PayZapp. b. Income Tax/ Advance Tax payment via eportal.incometax.gov.in c. GST payment via payment.gst.gov.in d. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals e. Business software purchase via SmartBuy BizDeals – Nuclei) | 25 Reward Points per ₹150 spent (5X) | 7,5000 Reward Points in a month |
*Except for excluding petrol, wallet, rent, education and EMI.
- 5X reward points on business spends will be given only when you spend a minimum ₹50,000 in the statement cycle
- All PayZapp transactions will be eligible for 5X Reward Points except spending on Clubs, Housing, Rent, Hospital, Education, Donation, Mutual funds, Loans, Credit Card payments, Wallet Load, Fastag, Municipal Tax, and Municipal services
- Reward points are valid only for 3 years from the date of accumulation
- Reward points accrued for Insurance transactions will have a maximum cap of 5,000 per day
- Reward Points accrued for groceries will have a maximum cap of 2,000 Reward Points in a month
- Rewards Points accrued for Utility and Telecom & Cable Connection transactions will have a maximum cap of 2,000 each per month
- A maximum of 1,50,000 Reward Points can be earned in a statement cycle
HDFC Bank has a dedicated portal named SmartBuy with which we get some extra rewards and cashback and not many are aware that these benefits can also be availed using HDFC BizBlack Credit Card.
SmartBuy Benefits
| Accelerated Reward Rate | Maximum Reward Points per Calendar Month | Maximum Reward Points per Day |
| Upto 10X | 10000 | 10000 |
- SmartBuy supports merchants like Flipkart, MakeMyTrip, IGP, Apple Tresor, and likes. It also supports multiple partners for travel bookings like IRCTC, RedBus, MMT and Yatra.
Milestone Benefits
- Get a SmartBuy flight/ Taj Hotels stay voucher worth ₹5,000 every time you spend ₹5L in a calendar year that is you get vouchers worth up to ₹20,000 on spend of ₹20L in a calendar year
HDFC BizBlack Credit Card users can easily track their milestones, redeem voucher codes for their milestones and welcome benefits from the dedicated Biz Black SmartBuy Portal.
Considering the value, the card offers a solid 4.3% reward rate (3.3% + 1%) on annual spending of up to ₹20 lakh.
Go to the HDFC BizBlack Milestone redemption portal to get your vouchers.
Reward Points Redemption
| Modes of Redemption | Value per point | Reward Rate |
| Flights and Hotel bookings via SmartBuy | 1 RP = ₹1 | ~3.33%(1X) ~16.65%(5X) ~33.33%(10X) |
| Products and Vouchers via Netbanking or SmartBuy | 1 RP = upto ₹0.50 | ~1.66%(1X) ~8.32%(5X) ~16.65%(10X) |
| Cashback (Statement Credit) | 1 RP = ₹0.30 | ~0.99%(1X) ~4.99%(5X) ~9.9%(10X) |
| Airmiles/Hotel Loyalty Points | 1 RP = up to 1 Miles/ Points | Anything! |
- Customers can redeem up to 70% of the cost with points on travel bookings (Flights, hotels and experiences). The balance amount will need to be paid via credit card
- On the HDFC Bank SmartBuy portal, the redemption of Reward Points for flights & hotel bookings will be capped per calendar month at 75,000 Reward Points
- Redemption of Reward Points against the statement balance (Cashback redemption) will be
capped per calendar month at 50,000 Reward Points
The best redemption for HDFC BizBlack points would be Singapore Airlines KrisFlyer especially if you like flying in their J and F cabins or else you can go for travel redemptions from the SmartBuy portal.
| Loyalty Program | Transfer Ratio |
| Singapore Airlines KrisFlyer | 1:1 |
| Intermiles | 1:1 |
Other Benefits
Airport Lounge Access
Complimentary Domestic Limit – Unlimited (Shared between Primary & maximum 3 Add-on cardholders)
Access Via – Credit Card
Complimentary International Limit – Unlimited (Shared between Primary & Add-on cards)
Access Via – Credit Card/Digital Priority Pass
- You can apply for a Digital Priority Pass for yourself and 3 add-on members on your HDFC Bank Diners Club Black Credit Card from the Priority Pass website.
The lounge access is available only to active credit card holders. The definition of an active cardholder by HDFC Bank is that the holder must have done at least 1 transaction in the preceding month to avail of the complimentary access.
Golf Benefits
If you are a golf lover then it offers:
- 6 Complimentary Golf games every quarter across the finest courses in the world
It’s uncommon to find credit cards that provide access to international golf courses, so this is a great inclusion. The Amex Platinum Charge Card is another option that offers international golf access. However, unlike many other premium cards, golf lessons are not part of the package.
Good Food Trail Program
- Get a 10% instant discount over the existing discount on all your restaurant bill payments via Swiggy Dineout
- Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
Concierge Services
Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card.
Toll-Free: 1800 266 3310
Landline: 022-6171 7606 (For customers travelling overseas)
Email: bizblack.support@smartbuyoffers.co
Surcharges
Fuel Surcharge Waiver
No fuel surcharge waiver is applicable on this card
Forex Markup Charges
- FCY Markup Fee: 2%+GST
- Reward Rate: 3.33%
- Net: 0.97% (Profit)
By activating the HDFC Global Value Program, you can earn an additional 1% cashback, effectively giving you a net 2% benefit on foreign exchange spending.
Other Surcharges
- Rental Transactions: A 1% fee on the transaction amount will be levied on all rental transactions done on any merchant like (but not limited to) Cred, PayTM, Cheq, MobiKwik, Freecharge etc. The fee will be capped at ₹3000 per transaction.
- Fuel Transactions: A 1% fee will be levied on Fuel spent more than ₹30,000 per transaction. The fee will be charged on the entire transaction amount. The fee will be capped at ₹3000 per transaction.
- Utility Transactions: A 1% fee will be levied on Utility spends more than ₹75,000 per transaction. The fee will be charged on the entire transaction amount. The fee will be capped at ₹3000 per transaction.
- Insurance transactions will not be considered Utility transactions and hence no
charge will be applicable. - Educational Transactions: A 1% fee will apply to education transactions made through third-party apps (but not limited to) such as CRED, PhonePe, Cheq, MobiKwik, and others. The fee will be capped at ₹3000 per transaction. Education transactions made directly through college/school websites or POS machines at their premises will not be charged.
- International education transactions will not be charged.
Eligibility
Officially the bank has the following criteria but can vary as per your relationship with the bank. Since this is a business card this card can officially be applied by Self Employed individuals only.
For Self Employed Indian national
- Age: Min 21 years & Max 65 Years
- ITR > Rs 30 Lakhs per annum
TechnoFino Recommends
The HDFC BizBlack Credit Card isn’t just another business card—it’s a game-changer for entrepreneurs and professionals who want to maximize their savings while enjoying premium perks. With its generous 5X rewards program, you can earn up to 16.5% back on most business expenses. If your monthly spending hits ₹50,000, that adds up to a whopping ₹1 lakh in savings annually—money that can be reinvested into your business.
But it’s not just about savings. The BizBlack Credit Card goes beyond rewards, offering airport lounge access, golf privileges, and milestone benefits to make both work and leisure more enjoyable. Whether you’re flying for meetings or unwinding on the greens, this card ensures you do it in style.
HDFC Bank has a history of surprising its customers with unbeatable offers, like the legendary SmartBuy 10X rewards program, which was a massive hit for nearly five years. Now, with 5X rewards on business spends, the bank is once again proving its commitment to supporting business owners with powerful financial tools.
A similar program for corporate liability cards would be a great next step, but for now, BizBlack cardholders can sit back, earn big, and enjoy a seamless financial experience tailored to their needs.
Chief Editor, TechnoFino.
Personal finance nerd! Physics enthusiast and trainer. When not into Physics, he is minting points and hunting for the next best credit card for himself.
