BizBlack Metal Card
BizBlack Metal Card
Card Information
Rewards & Benefits
UPI Rewards
Reward points earned on Credit Card purchases done via UPI mode will earn reward points up to a maximum of 500 points in a calendar month.
Insurance Benefits
Select Credit Card variants have a complimentary insurance cover on the Card. The policy coverage starts from the date of the Credit Card set up.
Domestic Airport Lounge Access
Unlimited lounge access eligible on making minimum one transaction of any amount in previous month (excluding first month of card issuance).
Fuel Surcharge Waiver
Not Applicable
Brand-Specific Rewards
- Reward Points validity: 3 years
- Reward Points redemption capped at 1,50,000 points per calendar month
- Reward Points earned on Grocery transactions capped at 2000 points per month
- Reward Points earned capped at 1,50,000 points per statement cycle
- Reward Points earned on Insurance transactions capped at 5000 points per day
- Reward Points redemption for flights & hotels bookings capped at 1,50,000 points per calendar month
- Reward Points redemption for Tanishq vouchers capped at 50,000 points per calendar quarter
- Reward Points redemption for CashBack capped at 50,000 points per calendar month
- Reward Points earned on Utility and Telecom transactions capped at 2000 points per calendar month
Reward Redemption
Reward Points can be redeemed for cashback, products, vouchers, flights, hotels, and Tanishq vouchers with specified caps. Cashback redemption charges are waived for BizBlack Metal Card.
Fees & Charges
Basic Fees
Joining Fee: ₹ 12,500 (Infinia Metal Edition), ₹ 10,000 (Infinia), ₹ 7.5 Lakh / Annum (BizBlack Metal Card – NA joining fee mentioned explicitly)
Annual Fee: Not explicitly stated for BizBlack Metal Card; waiver capped at ₹1000 every billing cycle for some cards but not specified for BizBlack Metal Card
Fee Waiver Conditions: NA for BizBlack Metal Card
Foreign Exchange Markup
1% markup fee on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Cash Advance Charges
2.5% or ₹500 whichever is higher on amount withdrawn; finance charges apply from date of withdrawal until full payment.
Redemption Fee
₹99 per redemption request – Not applicable for BizBlack Metal Card.
Monthly Interest Rate
1.99% per month (23.88% annually) for BizBlack Metal Card.
Cash Withdrawal Fee
2.5% or ₹500 whichever is higher on amount withdrawn; finance charges apply from date of withdrawal until full payment.
Over-limit Penalty
2.5% of overlimit amount subject to minimum ₹550; explicit consent required for overlimit.
Card Replacement Fee
₹100 for reissue of lost, stolen or damaged card.
Minimum Repayment
Minimum Amount Due (MAD) calculated as per formula; minimum MAD Rs 200 if calculated value is below or equal to Rs 200.
Late Payment Charges
₹900 (excluding Infinia) for late payment charges applicable for BizBlack Metal Card.
Reward Points Capping
Maximum reward points that can be earned in a statement cycle for BizBlack Metal Card is 1,50,000 points.
Cash Advance Limit
40% of the Credit Limit.
Additional Information
Pros
- Complimentary unlimited domestic lounge access with minimum one transaction in previous month.
- Lower interest rate of 1.99% per month (23.88% annually).
- No redemption fee for reward points.
- Complimentary insurance cover.
- High reward points capping (1,50,000 points per statement cycle).
Cons
- Fuel surcharge waiver not applicable.
- Foreign currency transaction fee of 2%.
- Overlimit charges applicable with minimum ₹550.
- Late payment charges of ₹900.
- Cash advance fee of 2.5% or ₹500 whichever is higher.
Important Documents
Related Links
- https://www.hdfcbank.com/personal/borrow/popular-loans/easy-emi/easyemi-on-consumer-durables
- https://www.hdfcbank.com/personal/pay/cards/credit-cards
- https://www.hdfcbank.com/Infinia
- https://www.marriott.com
- https://www.tataneu.com
- https://www.swiggy.com
- https://www.marriott.com/loyalty/terms/default.mi
- https://www.tataneu.com/about-neupass
Customer Care
Phone Numbers
- 1800 1600
- 1800 2600
- +91 22 6160 6160
- 1800 266 3310 (BizBlack Metal Card)
- 1800 118 887 (Concierge for BizBlack Metal Card)
- 044 6108 4900 (Grievance Redressal Official)