HDFC BankVisaBiz Black Metal Credit Card
4.7NeoFinQ editorial rating
Highest rated business card with unlimited lounge access
- Top CardGuru rating (4.7)
- Unlimited lounge access
- Premium business perks
- Joining fee
- ₹10,000
- Annual fee
- ₹10,000
- Reward type
- points
- Best for
- Premium
- Est. rewards
- ₹23,500/yr
Our verdict
India's top business credit card with the highest CardGuru rating.
Perfect for
- High-income business owners
- Frequent business travelers
Not ideal for
- Salaried individuals
- Low spenders
Pros & cons
- Top CardGuru rating (4.7)
- Unlimited lounge access
- Premium business perks
- Very high income requirement
Rewards
5 Reward Points per ₹150; 5X Reward Points on Income Tax, GST, Zomato, Swiggy, and Biz-Buy (capped at 5,000 points per month). 10X Reward Points on Spends via SmartBuy (Travel & Electronics) capped at 10,000 points per month. Points valid for 3 years.
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 5% |
| Groceries | 5% |
| Utilities | 5% |
| Online Shopping | 5% |
Welcome offer
10,000 Reward Points on payment of joining fee
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Unlimited domestic + international lounge visits
More benefits
- Welcome Bonus: 10,000 Reward Points on payment of joining fee
- Milestone: 5,000 Bonus Reward Points on spends of ₹5 Lakhs in a card anniversary year; Up to 20,000 additional points on meeting incremental spend tiers.
- Additional Benefits: Business expense management tools
Fees & charges
| Joining fee | ₹10,000 |
| Annual fee | ₹10,000 |
| Renewal fee | ₹10,000 |
| Fee waiver | Spend ₹10 Lakhs in a year for annual fee waiver |
| Waiver threshold | Spend ₹10L/yr |
Eligibility
Min. income (annual)
₹30L
Employment
Self Employed / Business
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Annual fee ₹10,000