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HDFC Bank Biz Black Credit Card

The HDFC Biz Black Credit Card is designed for business professionals, offering 5X rewards on select business expenses. Cardholders enjoy 4% off on flight and hotel bookings through partnered travel portals and unlimited access to over 1,000 airport lounges worldwide. The card has a first-year fee of ₹10,000 plus taxes.

HDFC Bank Biz Black Credit Card

About the BizElite Premium Business Credit Card

The BizElite Premium Business Credit Card is designed for entrepreneurs and self-employed professionals, offering tailored benefits for business-related expenses. Cardholders earn rewards on business spends, including tax payments, bills, travel, and software subscriptions, with accelerated rewards of up to 5X on select brands and platforms.

Beyond the rewards program, the card provides lifestyle perks such as unlimited airport lounge access, golf privileges, and discounts on dining, travel, and other purchases. By combining business-focused rewards with lifestyle benefits, this card helps business owners maximize value on both professional and personal spending.

Business Credit Card Rewards Program

Earning Rewards:

  • Earn 5 points for every Rs. 150 spent on selected business expenses.

  • Get up to 5X points on purchases from certain brands and platforms, applicable on monthly spends of Rs. 50,000 or more.

  • Maximum points that can be earned in a month: 1,50,000 points.

Redeeming Rewards:

  • Minimum of 2,500 points needed to redeem against your statement balance.

  • Points remain valid for up to 3 years from the date they are earned.

  • Each point can be redeemed in multiple ways:

    • Rs. 0.30 per point as cashback.

    • Rs. 1 per point for travel bookings through partner platforms.

    • Up to Rs. 0.50 per point for products in the business catalogue.

    • 1 point = 1 air mile via online redemption.

    • Up to Rs. 1 per point for business catalogue redemptions via net banking or partner platforms.

Other Features & Benefits

Fee Waiver Benefits:

  • Joining fee waived on spending Rs. 1.5 lakh within the first 90 days of card issuance.

  • Annual fee waived on achieving Rs. 7.5 lakh in yearly spends.

Airport Lounge Access:

  • Unlimited access to domestic and international lounges for primary and add-on cardholders.

Golf Privileges:

  • 6 complimentary golf games per quarter worldwide, with 24-hour golf concierge support.

Business Savings & Smart Deals:

  • Up to 40% savings on business travel and software purchases via partner platforms.

  • 4% savings on flights and hotels for business bookings, along with perks like free meals, seat selection, and lower cancellation fees.

  • Discounts on productivity software and tools (e.g., cloud services, accounting tools, collaboration platforms).

  • GST-compliant invoices available for Input Tax Credit claims.

Additional Benefits:

  • Cashback up to Rs. 1,800 in the first year and e-vouchers up to Rs. 800 for adding minimum 2 bills via digital payment platforms.

  • Premium membership perks and stay vouchers on spending thresholds.

  • Up to 20% off on dining, stays, and spa services across Asia-Pacific through club memberships.

  • Dining and luxury spa discounts via partner networks and food apps.

  • 24×7 global personal concierge assistance.

Insurance Coverage:

  • Credit liability protection up to Rs. 9 lakh.

  • Business insurance packages with customizable coverage.

  • Fire and burglary cover for business premises and cash in transit.

  • Electronic equipment insurance up to Rs. 50,000.

  • Hospital cash allowance of up to Rs. 1,000 per day for illness or accident.

HDFC Bank Biz Black Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

HDFC Bank Biz Black Credit Card: Fees & Charges

Fee Type Amount
Joining Fee Rs. 10,000
Annual Fee Rs. 10,000
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
Between Rs. 100 to Rs. 500 Rs. 100
Between Rs. 501 to Rs. 1,000 Rs. 500
Between Rs. 1,001 to Rs. 5,000 Rs. 600
Between Rs. 5,001 to Rs. 10,000 Rs. 750
Between Rs. 10,001 to Rs. 25,000 Rs. 900
Between Rs. 25,001 to Rs. 50,000 Rs. 1,100
Above Rs. 50,000 Rs. 1,300

Things to Know Before Applying

Who Should Consider This Card:

  • Self-employed professionals looking for a premium business card with reward benefits.

  • Those who want to maximize value by using digital platforms for purchases and bill payments.

  • Frequent travelers seeking lounge access and travel-related perks.

Eligibility Criteria:

  • Must be an Indian citizen.

  • Age between 21 and 65 years.

  • Self-employed with an annual income (ITR) exceeding Rs. 30 lakh.

Steps to Close HDFC Bank Biz Black Credit Card

You can easily close your Biz Black Credit Card through the online MyCards portal provided by HDFC Bank. Follow the steps below:

  1. Visit the MyCards Portal

  2. Enter Registered Mobile Number

    • Provide your 10-digit registered mobile number linked to your credit card.

    • You will receive an OTP for verification.

  3. Select Your Credit Card

    • Choose the HDFC Biz Black Credit Card you want to close.

    If not registered:

    • Enter the last 4 digits of your credit card to proceed.

    If you have multiple cards:

    • Select the correct card from the list or add it manually.

    If you have only one card:

    • You can directly move to the next step.

  4. Choose Closure Reason

    • Select a suitable reason for closing your credit card from the available options.

  5. Authenticate with OTP

    • Enter the OTP received on your registered mobile number to confirm your request.

  6. Submit Closure Request

    • Once verified, your credit card closure request will be successfully submitted.

    • Save the acknowledgment or take a screenshot for future reference.

Important Tips

  • Ensure all outstanding dues (purchases, EMIs, fees, and charges) are cleared before initiating closure

  • Redeem any reward points or benefits before closing the card

  • Update all auto-debit instructions or subscriptions linked to the card

  • Check your credit report after a few weeks to ensure the status shows “closed”

  • Stop using the card immediately after submitting the closure request

HDFC Bank Biz Black Credit Card Helpline Number

If you need assistance with your HDFC Bank Biz Black Credit Card, you can contact the customer support team of HDFC Bank for help with billing, payments, card blocking, and other credit card services.

📞 24×7 Customer Care Numbers (India)

These numbers are available across India for general banking and credit card support.

Credit Card Customer Care

Use these numbers specifically for credit card-related queries, including transactions, billing issues, and service requests.

International Support

Charges may apply depending on your telecom provider.

WhatsApp Banking

  • WhatsApp Number: 70700 22222

  • Save the number and send “Hi” from your registered mobile number to start using services.

Email Support

Use your registered email address for quicker resolution of queries or service requests.

Services Available

You can contact customer care for:

  • Credit card billing and payment assistance

  • Reporting lost or stolen cards

  • Transaction disputes and account queries

  • Credit card closure or upgrade requests

  • General support related to your Biz Black Credit Card

Important Tips

  • Keep your registered mobile number and last 4 digits of your card ready

  • Never share sensitive details like OTP, PIN, or CVV

  • Always use official HDFC Bank channels to avoid fraud

FAQs

How can I earn accelerated reward points on this card?

Cardholders can earn higher reward points on selected business spends after meeting the minimum monthly spending requirement, typically Rs. 50,000.

No, this card does not provide a waiver on fuel transactions.

Yes, unlimited complimentary access to domestic and international airport lounges is available for both primary and add-on cardholders.

Yes, cardholders can access instant loans up to their available credit limit. There is also an option for extended loans beyond the credit limit without affecting the card’s available balance.

The card offers perks such as golf privileges, travel discounts, concierge services, and exclusive offers on dining, hotels, and business software platforms.