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
₹10,000 + applicable taxes
₹299 + GST
Renewal Fee
₹10,000 + applicable taxes
₹499 + GST
Spend Based Waiver
Renewal fee waived on ₹7.5 Lakhs annual spend. First year fee waived on ₹1.5 Lakhs spend in first 90 days.
Not available.
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
Receive complimentary Club Marriott Annual Membership & a Taj Stay voucher worth ₹5,000 on ₹1.5 lakh spend.
This card does not offer any specific welcome benefits.
Rewards Rate
Earn 5 Reward Points on every ₹150 (Base). Get 5X (25 RP) on select business spends above ₹50,000/cycle.
Earn 4 points per ₹100 on travel, hotels, advertising, supermarkets; 1 point per ₹100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Not applicable.
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary airport lounge access within India for primary and add-on card members.
1 complimentary access per calendar quarter to lounges across select Indian airports (4 per year).
International Lounge Access
Unlimited complimentary international airport lounge access via Diners BizBlack Card for primary & add-on members.
Not Applicable
Travel Benefits
Unlimited lounge access globally. Up to 40% savings on business travel via SmartBuy BizDeals & MMT MyBiz.
Includes 1 complimentary domestic lounge access per quarter and railway surcharge waivers up to ₹500 annually.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
FLAT 10% EXTRA OFF* at 35,000+ restaurants, up to 20% via Club Marriott, & 10% off on Swiggy Dineout.
Not Applicable
Golf Benefits
6 complimentary golf games per quarter across 15+ Indian & 100+ global courses, with 100% green fee waiver.
Not Applicable
Fuel Surcharge Waiver
Nil
1% waiver on ₹500-₹3000 fuel transactions, max ₹2500 per calendar year.
Security & Other
Insurance Benefits
Comprehensive business insurance package available, including fire, burglary, cash, electronic equipment & hospital cash.
₹50,000 card liability, ₹25,000 purchase protection, and travel insurance (loss/delay of baggage, docs).
Cash Advance Charges
2.5% of advanced amount or ₹500, whichever is higher.
₹300