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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.
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Last updated: 18 July 2026

Both HDFC Bank BizBlack Metal Edition Credit Card and Kotak Biz Business Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank BizBlack Metal Edition Credit Card costs ₹10,000 + GST and earns 5X Reward Points on select business spends (Bill Payments, Income Tax/Advance Tax, Hotel/Flight Bookings, Business Productivity Tools) on minimum spends of ₹50,000 per statement cycle, capped at 10,000 RP. Earn 5 RP/₹150 on other spends (excluding fuel, wallet, rent, education, EMI). Caps apply to insurance (5,000 RP/day) and grocery (2,000 RP/month). Kotak Biz Business Credit Card costs ₹299 + GST and earns 4 reward points per ₹100 on select categories, 1 reward point per ₹100 on others. HDFC Bank BizBlack Metal Edition Credit Card also brings unlimited free lounge access for primary and add-on cardholders to 1000+ airport lounges worldwide. Requires minimum one online/in-store transaction in the previous month to be considered an 'Active Cardholder', while Kotak Biz Business Credit Card counters with 1 complimentary domestic lounge access per quarter on ₹75,000 spend in previous quarter. If travel spending matters more, go with HDFC Bank BizBlack Metal Edition Credit Card; if business is the priority, Kotak Biz Business Credit Card fits better.

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
Joining Fee₹299 + GST
Renewal Fee₹10,000 + GST
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waiver on spends of ₹7.5 lakh in a card anniversary year. First year joining fee waiver on spends of ₹1.5 lakh within 90 days of card issuance.
Spend Based Waiver
Foreign Transaction Fees2% of the total transaction amount
Foreign Transaction Fees3.5%
Interest Rate (APR)1.99% monthly (23.88% annually)
Interest Rate (APR)3.5% Monthly (42% Annually)

Rewards & Benefits

Welcome BonusClub Marriott Annual Membership and Taj Vouchers worth ₹5,000 on spending ₹1.5 lakh within 90 days of card issuance. Welcome benefit applicable only to first-time cardholders from Oct 25, 2025.
Welcome Bonus
Rewards RateEarn 5X Reward Points on select business spends (Bill Payments, Income Tax/Advance Tax, Hotel/Flight Bookings, Business Productivity Tools) on minimum spends of ₹50,000 per statement cycle, capped at 10,000 RP. Earn 5 RP/₹150 on other spends (excluding fuel, wallet, rent, education, EMI). Caps apply to insurance (5,000 RP/day) and grocery (2,000 RP/month).
Rewards RateEarn 4 Reward Points for every ₹100 on business categories; 1 Reward Point for every ₹100 on other eligible transactions.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessUnlimited free lounge access for primary and add-on cardholders to 1000+ airport lounges worldwide. Requires minimum one online/in-store transaction in the previous month to be considered an 'Active Cardholder'.
Domestic Lounge Access1 complimentary access per calendar quarter on spending ₹75,000 in previous quarter.
International Lounge AccessUnlimited free international lounge access for primary and add-on cardholders to 1000+ airport lounges worldwide. Priority Pass not required. Requires minimum one online/in-store transaction in the previous month to be 'Active Cardholder'.
International Lounge Access
Travel BenefitsSmartBuy Flight/Taj Stay Voucher worth ₹5,000 on every ₹5 lakh spends (up to ₹20,000 on ₹20 lakh spends annually). Up to 40% savings on business travel via SmartBuy BizDeals, 4% off on Flights and Hotels booking via MMT MyBiz.
Travel BenefitsComplimentary domestic lounge access (spend-based) and comprehensive travel insurance benefits.
Movie Benefits
Movie Benefits
Dining Benefits
10% discount up to ₹400 (twice each month) on restaurant bill payments via Swiggy Dineout and up to 20% discount on dining, stay & spa services with Club Marriott membership across Asia-Pacific region. Exclusive dining offers also available.
Dining Benefits
Golf Benefits
6 complimentary golf games each quarter at 15+ Indian and 100+ global courses, with 100% green fee waiver in India. 24/7 Golf Concierge Assistance available.
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% waiver for transactions ₹500-₹5000, max ₹2500 waiver annually.

Security & Other

Insurance BenefitsCredit Liability Cover up to ₹9 Lakh. Optional Business Insurance package starting at ₹3,785 annually, covering Fire & Burglary (up to ₹5 lakh), Cash in Safe/Transit (up to ₹25,000), Electronic Equipment (up to ₹50,000), and Hospital Cash (₹1,000/day).
Insurance BenefitsIncludes Credit Liability Cover up to ₹50,000 and Purchase Protection Plan up to ₹25,000.
Cash Advance Charges2.5% or ₹500, whichever is higher
Cash Advance Charges₹300
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank BizBlack Metal Edition Credit Card

Kotak Biz Business Credit Card

Who is it for?

The HDFC Bank BizBlack Metal Edition Credit Card is a super premium business card designed for large enterprises, offering accelerated 5X reward points on essential business spends, unlimited domestic and international lounge access, and exclusive welcome benefits like Club Marriott membership and Taj vouchers.

Who is it for?

The Kotak Biz Business Credit Card is tailored for entrepreneurs and self-employed individuals to streamline business expenses. It offers accelerated reward points on key business categories like travel and advertising, alongside complimentary domestic lounge access. Cardholders also benefit from comprehensive travel and credit liability insurance, making it a practical choice for efficient business operations.

Pros

Key benefits and features.

Accelerated 5X Reward Points on essential business spends like tax payments and software.

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

Generous welcome benefits including Club Marriott membership and Taj vouchers, plus milestone vouchers.

Extensive golfing privileges with 6 complimentary games quarterly and 100% green fee waiver in India.

Ability to pay Income Tax and GST with the card, earning rewards.

Pros

Key benefits and features.

Ideal for entrepreneurs and business owners managing operational expenses.

Earn accelerated reward points on specific business-related spending categories.

Enjoy complimentary domestic lounge access, enhancing business travel comfort.

Comprehensive travel insurance and credit liability cover provide peace of mind.

Benefit from an interest-free period of up to 48 days on retail transactions.

Cons

Key drawbacks and limitations.

High joining and annual fees (₹10,000 + GST) make it less accessible for small businesses.

No Reward Points are awarded for fuel, education, rent, wallet, and EMI payments.

Reward point earnings are capped on accelerated categories, insurance, and grocery purchases.

Lounge access requires a minimum of one transaction in the previous month to be active.

Reward point redemption for flights/hotels/products is capped at 70% of the booking value.

Cons

Key drawbacks and limitations.

Reward categories are somewhat limited compared to other premium business cards.

Lacks international lounge access or other global travel-specific benefits.

The card does not offer any welcome bonus or milestone benefits for users.

Domestic airport lounge access is conditional on meeting a quarterly spend.

There is no general spend-based waiver for the annual renewal fee.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank BizBlack Metal Edition Credit Card(opens in new tab)Apply for Kotak Biz Business Credit Card(opens in new tab)