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
Waiver capped at ₹1000 every billing cycle.
Brand-Specific Rewards
- Reward Points /CashPoints are valid for 3 years for BizBlack Metal Card.
- Reward Points redemption for flights & hotels bookings capped at 1,50,000 reward points per calendar month for BizBlack Metal Card.
- Reward Points redemption for CashBack redemption capped at 50,000 reward points per calendar month for BizBlack Metal Card.
- Reward Points earned on Grocery transactions capped at 2000 reward points per month for BizBlack Metal Card.
- Reward Points earned capped at 1,50,000 per statement cycle for BizBlack Metal Card.
Reward Redemption
Reward Points redemption for flights & hotels bookings capped at 1,50,000 reward points per calendar month. Cashback redemption capped at 50,000 reward points per calendar month.
Fees & Charges
Basic Fees
Joining Fee: ₹7.5 Lakh / Annum (Minimum Spend for waiver of annual membership fee / renewal charges)
Fee Waiver Conditions: NA
Foreign Exchange Markup
2% of transaction value (Foreign Currency Transactions)
Cash Advance Charges
2.5% or ₹500 whichever is higher
Redemption Fee
₹99 per redemption request – Not applicable for BizBlack Metal Card
Monthly Interest Rate
1.99%
Cash Withdrawal Fee
2.5% or ₹500 whichever is higher
Over-limit Penalty
2.5% of overlimit amount subject to minimum of ₹550
Card Replacement Fee
₹100
Minimum Repayment
Minimum Amount Due (MAD) calculated as per formula; minimum ₹200 if calculated MAD is below or equal to ₹200
Late Payment Charges
₹900 (excluding Infinia) for BizBlack Metal Card
Reward Points Capping
Maximum 1,50,000 reward points per statement cycle
Cash Advance Limit
40% of the Credit Limit
Additional Information
Pros
- Complimentary unlimited domestic lounge access on minimum one transaction in previous month
- Reward points valid for 3 years
- Fuel surcharge waiver capped at ₹1000 every billing cycle
- Lower interest rate monthly at 1.99%
- No redemption fee for reward points
- Add-on card fee lifetime free
Cons
- Joining fee waiver condition is NA (no waiver)
- Foreign currency transaction fee of 2%
- Overlimit charges applicable
- Late payment charges applicable
- Cash advance fee of 2.5% or ₹500 whichever is higher
Important Documents
Customer Care
Phone Numbers
- 1800 266 3310 (BizBlack Metal Card Call Centre)
- 1800 118 887 (Concierge)
- 1800 1600
- 1800 2600
- +91 22 6160 6160