HDFC BizPower vs HDFC Biz Black Metal (2026)
HDFC's two business cards, four times apart on fee — ₹2,500 against ₹10,000, a ₹12L ITR bar against ₹30L. BizBlack earns twice as hard and reaches one programme; BizPower earns like a Regalia Gold and reaches twenty-two.
Head to head
| HDFC BizPower | Metric | HDFC Biz Black Metal |
|---|---|---|
| #16 | Our rank | #13 — wins this row |
| ₹2,500/yr — wins this row | Fee — joining · annual (+ GST) | ₹10,000/yr |
| ₹4,00,000 spend | Fee waiver | ₹7,50,000 spend |
| 2% (BizPower's own fees-and-charges page); a further 1.75% DCC markup on INR-billed foreign spends | Forex markup | 2% + GST (KFS v3.9, Apr-2026); DCC markup a further 1% |
| 3.75%/mo (45%/yr) — BizPower sits outside the 1.99% Infinia/Diners Black/BizBlack tier | APR | 1.99%/mo (23.88%/yr) — BizBlack sits in the Infinia/DCB premium tier |
| 1.6% | Headline earn rate | 3.3% — wins this row |
| HDFC Reward Points | Currency | HDFC Reward Points |
| ₹1.00/pt † | House value | ₹1.00/pt |
| Amazon Prime annual membership or a ₹1,500 Amazon voucher, on one tax / travel / ads transaction in the first 30 days | Welcome benefit | Club Marriott Annual Membership + a ₹5,000 Taj Stay voucher on ₹1.5L spend in the first 90 days |
| 724 of 783 — wins this row | Lounge doors opened | 91 of 783 |
| Not offered — business card for the self-employed/proprietors | Income — salaried | Not offered — business card for the self-employed/proprietors |
| ITR above ₹12L/yr, underwritten on ITR, GST returns, bank statements or a merchant payment report (HDFC's own BizPower FAQ) — a third of BizBlack's ₹30L bar | Income — self-employed | ITR above ₹30L/yr, applying on ITR or GST returns (HDFC's own product page) |
† HDFC BizPower: BizPower can't reach the ₹1 house value. HDFC's own grid tops out at ₹0.65 on a narrow Business Catalogue (Cleartax, Tally, Microsoft, AWS, Amazon for Business, Google/Meta Ads), ₹0.50 on SmartBuy flights and hotels, and ₹0.50 a mile on transfers — a 35–50% haircut. Our 1.6% reward rate already prices the ₹0.65 in.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
HDFC BizPower wins under ₹0.5L/month; HDFC Biz Black Metal takes over above it.
Transfer reach
Both cards earn HDFC Reward Points, so the partner list is identical — 22 live transfer routes each. The ratios are not: see below.
Both reach
- Singapore Airlines KrisFlyer 2:1 vs 1:1
Only HDFC BizPower
- Finnair Plus (Avios)
- Qatar Airways Privilege Club (Avios)
- The British Airways Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, HDFC Biz Black Metal nets ₹65,764 against ₹51,206 — a ₹14,558 gap. At ₹5L/month, HDFC Biz Black Metal nets ₹2,98,820 against ₹1,76,030 — a ₹1,22,790 gap. Lounge chasers: HDFC BizPower opens 724 of 783 tracked doors to HDFC Biz Black Metal's 91.
Our standing verdicts: HDFC BizPower — Keep; HDFC Biz Black Metal — Keep. On our board, HDFC Biz Black Metal sits at #13 to HDFC BizPower's #16 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →