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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.

Features

HDFC Bank BizBlack Metal Edition Credit Card
HDFC Bank BizBlack Metal Edition Credit Card
Kotak Biz Business Credit Card
Kotak Biz Business Credit Card

Fees & Charges

Joining Fee
₹10,000 + GST
₹299 + GST
Renewal Fee
₹10,000 + GST
₹499 + GST
Spend Based Waiver
Renewal fee waived on ₹7.5L annual spend; First year fee waived on ₹1.5L spend in 90 days.
Not Applicable
Foreign Transaction Fees
2% of the total transaction amount.
3.5%
Interest Rate (APR)
1.99% monthly (23.88% annually).
3.5% per month (42% annually)

Rewards & Benefits

Welcome Bonus
Complimentary Club Marriott Annual Membership and Taj Stay voucher worth ₹5,000 for ₹1.5L spend.
No specific welcome bonus is offered.
Rewards Rate
Earn 5 RP per ₹150 spent (base); 5X RP (25 RP per ₹150) on select business expenses.
4 reward points per ₹100 on select categories, 1 reward point per ₹100 on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
No specific fee, but minimum points required for cash redemption (₹2,000 or 4,000 points).

Travel & Lifestyle

Domestic Lounge Access
Unlimited access for primary and add-on card members to 1000+ lounges globally, if active.
1 complimentary domestic lounge access per quarter on ₹75,000 spend in previous quarter.
International Lounge Access
Unlimited access for primary and add-on card members to 1000+ lounges globally, if active.
Not Applicable
Travel Benefits
Up to 40% savings on business travel via SmartBuy; 4% off flights/hotels via MMT MyBiz.
Complimentary domestic lounge access, comprehensive travel insurance, and accelerated rewards on travel spends.
Movie Benefits
Not Applicable
Dining Benefits
FLAT 10% OFF (₹400, 2x/month) via Swiggy Dineout, plus up to 20% discount via Club Marriott.
Not Applicable
Golf Benefits
6 complimentary golf games per quarter globally; 100% green fee waiver across India.
Not Applicable
Fuel Surcharge Waiver
Not applicable.
1% waiver on ₹500-₹5000 transactions, max ₹2500 waiver per calendar year.

Security & Other

Insurance Benefits
Business insurance package starting at ₹3,785, plus Credit Liability Cover up to ₹9 lakhs.
₹50,000 card liability, ₹25,000 purchase protection, and travel insurance for delays/cancellations.
Cash Advance Charges
2.5% or ₹500, whichever is higher.
₹300

HDFC Bank BizBlack Metal Edition Credit Card

Kotak Biz Business Credit Card

Who is it for?

Who is it for?

Pros

Key benefits and features.

Accelerated 5X reward points on a wide range of essential business expenses.

Unlimited domestic and international airport lounge access for primary & add-on cardholders.

Complimentary golf games and green fee waivers appeal to premium business clientele.

Robust business insurance with customizable coverages secures assets and operations.

Significant milestone benefits offering flight or Taj Stay vouchers on spends.

Pros

Key benefits and features.

Specifically designed for business owners, proprietors, and partners of partnership firms.

Offers accelerated reward points (4X) on common business expenses like travel, hotels, advertising.

Includes complimentary domestic airport lounge access, providing comfort during business trips.

Provides comprehensive insurance coverage including credit liability and travel benefits.

Features fuel and railway surcharge waivers, offering practical savings on essential business travel.

Cons

Key drawbacks and limitations.

High joining fee of ₹10,000 plus taxes might not suit small businesses or startups.

No reward points on fuel, education, and rent payments, a drawback for some businesses.

Caps on accelerated rewards, grocery, and SmartBuy redemptions limit high spenders.

Lounge access requires card activity in previous month; no guest visits allowed.

Cons

Key drawbacks and limitations.

Limited reward categories for accelerated earnings; general spends earn only 1 point per ₹100.

Does not offer international lounge access or extensive international travel benefits.

No welcome bonus or milestone benefits are offered with this business credit card.

Domestic lounge access requires a minimum spend of ₹75,000 in the previous quarter.

Foreign currency markup of 3.5% can be relatively high for international transactions.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.