ELIGIBILITY CRITERIA
• Indian nationals aged 21–65 years.
• Self-employed applicants.
• Annual income tax return (ITR) above ₹30 lakh.
• Not specified: minimum credit score requirement.
• Not specified: exact business turnover requirements.
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WELCOME BENEFITS
• Club Marriott annual membership on eligible spends.
• Taj Stay vouchers worth ₹5,000 on specified spends within first 90 days.
• Additional milestone vouchers on higher spends.
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CARD REVIEW
The HDFC Bank BizBlack Metal Edition Credit Card is best suited for established business owners and self-employed professionals with high annual income and significant recurring business expenditures. It delivers excellent reward potential for business spends and attractive travel-lifestyle benefits such as lounge access and milestone vouchers, which can offset its premium fees for active users. However, the card comes with high joining and renewal fees, and strict eligibility criteria that may limit its accessibility to smaller enterprises or those with lower annual income. Additionally, some detailed fee disclosures like foreign transaction charges are not fully listed on the official page
