The HDFC BizBlack Metal earns in Reward Points, which this calculator values at ₹1 per point. Base earn rate is 3.33% value back, the annual fee is ₹10,000, and forex markup is 2%.
Booking through SmartBuy, iShop or Travel EDGE changes the maths on this card.
| Category | Value back | Detail |
|---|---|---|
| Flights | 16.65% | SmartBuy flights 5X |
| Hotels | 33.3% | SmartBuy hotels 10X (inside monthly cap) |
| Govt & Tax | 33.3% | SmartBuy Business 10X on GST, income tax & vendor payments (capped ~7,500 RP/mo) |
The HDFC BizBlack Metal earns no rewards on Rent, Fuel. Put that spend on another card.
The business twin of Infinia - 1 RP = ₹1 on SmartBuy. Tax and GST via the business portal is where it prints. Caps rotate; check current SmartBuy Business terms before a big tax payment.
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