HDFC BizBlack
HDFC Bank · Reward Points · Reward Points
This comprehensive guide covers the HDFC BizBlack's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HDFC BizBlack from HDFC Bank offers reward points rewards redeemable as reward points. Top earning categories include 5 reward points per inr 150 and more. Annual fee is ₹10,000 (waived above inr 750,000 annual spend).
Best for: General Online, Online Retail, Electronics Accessories, Dining
Official product page → Official rules →
Annual fee: ₹10,000
Waiver: Waived above INR 750,000 annual spend
Waiver: Waived above INR 750,000 annual spend
Reward Rules
- 3.333 pts/$100 5 reward points per INR 150
- 16.667 pts/$100 SmartBuy and business accelerated rewards (cap: ₹7,500)
Important Notes
- Business category acceleration is subject to HDFC MCC and SmartBuy/PayZapp terms.
🎁 Apply with referral — Earn up to ₹2,500
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HDFC BizBlack vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the HDFC BizBlack for its bonus categories: General Online, Online Retail, Electronics Accessories, Dining, Grocery.