HDFC Bank BizBlack Metal Edition Credit Card vs Kotak Biz Business Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Rs. 10,000 + GST
₹299 + GST
Renewal Fee
Rs. 10,000 + GST
₹499 + GST
Spend Based Waiver
Renewal Fee Waiver on Spends of Rs. 7.5 Lakhs
Foreign Transaction Fees
2% of the Total Transaction Amount
3.50%
Interest Rate (APR)
1.99% Monthly (23.88% Annually)
3.5% Monthly (42% Annually)
Rewards & Benefits
Welcome Bonus
Club Marriott Membership and Taj Vouchers Worth Rs. 5,000
Not Applicable
Rewards Rate
5X RPs on Select Business Spends and 5 RPs on Other Spends of Rs. 150. Value of 1 RP is Up To Rs. 1
4 Reward Points for Every ₹100 Spent on Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising Services, Supermarket, Hotels, Motels, and Resorts. Earn 1 Reward Point for every ₹100 Spent on All Other Transactions
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Travel & Lifestyle
Domestic Lounge Access
Unlimited Free Lounge Access
1 Complimentary Domestic Lounge Access per Calendar Quarter
International Lounge Access
Unlimited Free International Lounge Access
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Dining & Movie Benefits
25% Discount on Restaurant Bill Payments Via Swiggy Dineout and 20% Discount on Dining Via Club Marriott Membership
Not Applicable
Golf Benefits
6 Complimentary Golf Games Each Quarter
Not Applicable
Fuel Surcharge Waiver
Not Applicable
1% for Transactions Between Values of ₹500 - ₹3000
Security & Other
Insurance Benefits
Not Applicable
Travel Insurance Included and Credit Liability Cover of ₹50,000
Cash Advance Charges
2.5% or Rs. 500
₹300
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.