Card features that enable your Business

  • Up to 55 days Interest Free Credit Period.
  • Earn 5 Reward Points on every Rs.150 spent for your business needs (1 Reward Point = Upto 1 Re/-)

Maximize your Business savings!

  • Earn 5X Reward Points on your select Business spends such as

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in View steps

3. GST payment via payment.gst.gov.in view steps.

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei 

Note: 5X Reward Points applicable on minimum spends Rs. 50,000 in statement cycle.

Click here to view your savings on Biz Black Credit Card

T&C apply

Additional Benefit for your Business

  • Make GST payment using Business Credit Card:  

Via GST portal: payment.gst.gov.in : Click here to view the steps. 

- Click here to view the steps. 

  • SmartBuy BizDeals:  

- Avail upto 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business  

1. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking.  

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

2. Business Productivity Tools via – Nuclei :  

-  Instant discount on your Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more.  

- Get GST Invoice for availing Input Tax Credit  

Lounge Benefit

Explore the world in style with Unlimited Lounge access.

  • Unlimited Airport lounge access to 1000+ Lounges globally for primary and add-on card members
  • Unlimited Airport lounge access valid for only Active cardholders.
  • List of Domestic & International Lounges

Note :  

- Cardholders can access International lounge using their Diners BizBlack Credit Card. 

- Priority Pass is not required to access International lounge access. 

- Lounge access will be applicable to last month Active cardholder.  

- “Active Cardholder” defined as Card holder who have done min. 1 online/In-store transaction in last month. Active Cardholder will get unlimited lounge access for current month. 

Golf Games Benefit

Swing into Luxury!

  • Enjoy complimentary golf games (6 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge.
  • Get 24-hour access to Golf Concierge Assistance services for booking/cancellation,

    Call us on the Toll-free no.: 1800 118 887 (India) or on Landline – 022 42320226.

  • Customers travelling overseas can call at Landline: 022-6171 7606

  • List of Domestic & International Golf Courses details.

    Click here for detailed T&C and FAQ on the golf program

Welcome Benefit

  • Get Club Marriott Annual Membership + Taj Stay voucher worth ₹ 5000 on spends of  ₹ 1.5 lakhs within first 90 days. 
  • Avail up to 20% discounts for dining, stay & spa service with Club Marriott membership across Asia – Pacific region. View details​​​​​​​ here
T&C Apply

Milestone Benefit

  • Get SmartBuy Flight / Taj Stay Voucher worth ₹ 5000 on every ₹ 5 Lakhs spends. (On all retail spends excluding rent and petrol)
  • Earn vouchers worth ₹ 20,000 in calendar year (₹ 20 Lakhs spends) 
T&C Apply

Renewal Offer

​​​​​​​Renewal fee waived off if you spend Rs.7.5 Lakhs and more in the previous year​​​​​​​​​​​​​​

Concierge Services

Global Personal Concierge – 24 X 7

Customize your business, travel and entertainment experiences with our Global Concierge Assistance

Here are some of the services provided by our concierge.

  • Golf Booking
  • Itinerary planning and reservation assistance
  • Private dining assistance
  • International gift delivery
  • Event planning and referrals
  • Airport VIP service (meet-and-greet) and much more.
  • Toll Free No.: 1800118887 (India) Landline No.: 022 42320226

Customer care numbers:

  • Toll Free: 1800 266 3310
  • Landline: 022-6171 7606 (For customers travelling overseas)
  • Email: bizblack.support@smartbuyoffers.co 

Additional Features

  • Diners Exclusive Benefit :
    - Fast Track Airport Experience: Skip the line for check-in and receive baggage assistance.

    Dining Delight: exclusive dining offers, from gourmet cuisine to local delicacies. 

    Luxury Spas: Get up to 20% off* on some of the finest spas within India.
    Small Medium Enterprise (SME): Boost your Business with special offers on business producitivity tools, HR Solutions & more. 
    To Know more click here

  • Dining Benefits: Get up to 10% savings on all your restaurant bill payments with Swiggy Dineout on paying via Swiggy App using your card (20k + restaurants). Click here to Know more. 
  • SmartBuy: Get up to 10X Reward Points on Flipkart, MakeMyTrip, Apple Imagine Tresor, on SmartBuy
  • SmartPay:
    - SmartPay is an automatic payment facility available on your Credit Card to pay your utility bills.  
    - Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay.
    Steps to enable SmartPay on Netbanking ​​​​​​​: 
  • BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card Or Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter Details and Enable Smartpay on Debit/Credit Card> Choose Biz Black Credit Card 
    Steps to enable SmartPay on Mobile Banking:  

  • Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay on Debit/Credit Card > Choose Biz Black Credit Card

  • Smart EMI: Convert your big spends into EMI after purchase. To know more Click Here
  • Easy EMI: 
    - Choose EMI option for your large online or in-store purchases using your Biz Black Credit Card and avail easy repayments using Easy EMI. 
    - Easy EMI Plan details such as EMI Amount, Total Loan Amount, Rate of Interest will be displayed in the charge slip (in-store purchases) or at the time of transaction (online purchases) 
    Click Here to know more.

  • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank Biz Black Credit Card, on reporting it immediately to Customer Care Toll Free Number: 1800 266 3310, you have zero liability on any fraudulent transactions made on your Credit Card.

Credit liability cover: Rs. 9 lakh

Business Insurance Benefit

Secure your Business with specially curated Business Insurance package!

  • Avail Business Insurance package starting at an annual premium of Rs.3,785 which includes:
  • Fire & Burglary insurance for Shop up to Rs. 5 lacs
  • Cash in Safe/Transit up to Rs.25,000
  • Electronic Equipment insurance excluding terrorism up to Rs.50,000
  • Hospital Cash: Accident only amount payable per day up to Rs.1000 
  • Hospital Cash: Illness only amount payable per day up to Rs.1000 
  • Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.

Click here to Apply

  • List of Business Insurance plans.
Business Insurance Annual Plan DetailsInsurance Plan 1Insurance Plan 2 Insurance Plan 3Insurance Plan 4
Fire & Burglary insurance for Shop (excluding Theft)5,00,00010,00,00020,00,00050,00,000
Cash in Safe25,00050,0001,00,0002,50,000
Cash in Transit25,00050,0001,00,0002,50,000
Electronic Equipment insurance (excluding terrorism)50,0001,00,0002,00,0002,50,000
Hospital Cash: Accident Only Amount Payable/ Day 
(30 Days Cover)
Hospital Cash: Illness Only Amount Payable/ Day 
(30 Days Cover)
Total Premium without GST3,2076,22112,44223,886
Total Premium with GST3,7857,34114,68128,185
T&C apply

Reward Point/Cashback Redemption & Validity

Click here to know how to redeem your reward points

1 Reward Point Equivalent toFor Example,
Redeem as cashback against statement Rs. 0.30 1000 RP = Rs.300 
Redeem on SmartBuy (against Flights/Hotel booking) Rs. 11000 RP = Rs.1000 
Redeem against Product Catalogue via Netbanking & SmartBuy  Up to Rs. 0.51000 RP = Up to Rs.500
Airmiles conversion via Netbanking 1 Airmiles 1000 RP = 1000 Airmiles 
Redeem against Business Catalogue via Netbanking & SmartBuy Up to Rs. 1 1000 RP = Up to Rs.1000

  • A minimum of 2500 RP is needed to redeem Reward Points against statement balance.  

  • Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit.  

  • With effect from 1st February 2023, cardmembers can redeem up to 70% of product/Voucher value through Reward Points on select vouchers/products and pay the remaining amount via Credit card.   

  • Unredeemed Reward Points will expire/lapse after 3 year of accumulation.  

  • The maximum 1,50,000 Reward Points can be earned in a statement cycle.

Get started with your card

  • PIN Setting Process:

Set PIN for your card by following any of the below option:

1. By Using MyCards :

  • Visit HDFC Bank MyCards - https://mycards.hdfcbank.com/
  • Enter registered Mobile no and Authenticate using OTP
  • Select "Biz Black Credit Card"
  • Choose Set Pin and enter your 4 digit pin

2. By using IVR: Call 1860 266 0333 from registered mobile number

  • Key in last 4 digits of your Business Credit Card No
  • Validate with OTP sent on registered mobile no
  • Set 4 digit Pin of your choice

3. By using Mobile banking:

  • Login to Mobile Banking
  • Go to "Cards" Section and Select "Biz Black Credit Card"
  • Choose Change Pin and Enter your 4 digit Pin & confirm
  • Authenticate using OTP
  • Pin Generated Successfully

4. By using Net banking:

  • Login to Net banking
  • Click on "Cards" and visit "Request" Section
  • Choose Instant Pin generation
  • Select card number and enter your 4 digit Pin

For more details click here 

  • Contactless Payment:

Your HDFC Bank Biz Black Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.

Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons

  • Manage your Card on the go:

Now access your HDFC Bank Biz Black Credit Card 24/7 on the go with our HDFC Bank MyCards platform 

  • Enable online & contactless usage
  • View - Transaction, Reward Points, Statements & more.
  • Manage - online usage, contactless usage, set limits, enable & disable
  • Check - Credit card outstanding, due date and more

For more details, click here

  • Set Card Control

You can enable the services using MyCards (preferred)/ EVA / WhatsApp Banking / Net Banking.

Click Here for more details 


Fees & Charges

Savings on Card