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 + 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