HDFC Bank Biz Black Credit Card vs JetPrivilege HDFC Bank Signature/World

• Welcome Benefit:

1. Get Club Marriott Annual Membership + Taj Stay voucher worth Rs. 5000 on spends of  Rs. 1.5 lakhs within first 90 days

2. Obtain up to 20% discounts for dining, stay and spa service with Club Marriott membership across Asia – Pacific region

• Milestone Benefit

1. Get SmartBuy Flight / Taj Stay Voucher worth Rs. 5000 on every Rs. 5 Lakhs spends. (On all retail spends excluding rent and petrol)

2. Avail vouchers worth Rs. 20,000 in calendar year (Rs. 20 Lakhs spends) 

• Renewal fee waived off if you spend Rs. 7.5 Lakhs and more in the previous year
• Spend Rs. 1.5 Lakhs in first 90 days of card issuance to get First Year Joining Fee waived off (Applicable for fresh issuance only)
• Save up to Rs. 4,40,780 annually on BizBlack Credit Card
• Up to 55 days Interest Free Credit Period
• Avail 5 Reward Points on every Rs. 150 spent for business needs 
• Earn 5X Reward Points on selected Business spends such as:

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in

3. GST payment via payment.gst.gov.in

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei 

Note: 5X Reward Points applicable on minimum spends Rs. 50,000 in statement cycle

• Make GST payment using Business Credit Card
• Pay Income Tax/ Advance Tax using Business Credit Card
• Avail up to 40% savings on the Business travel and software purchase on smartbuy.hdfcbank.com/business  

1. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking.

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

2. Business Productivity Tools via – Nuclei :  

-  Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more

- Get GST Invoice for availing Input Tax Credit  

• Unlimited Domestic and International Airport lounge access to 1000+ Lounges for primary and add-on card members
• Unlimited Airport lounge access valid for only Active cardholders
• Enjoy complimentary golf games (6 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge
• Get 24-hour access to Golf Concierge Assistance services for booking/cancellation
• Customize business, travel and entertainment experiences with bank’s Global Concierge Assistance
• Diners Exclusive Benefit :

- Fast Track Airport Experience: Skip the line for check-in and receive baggage assistance

- Dining Delight: Exclusive dining offers, from gourmet cuisine to local delicacies

- Health & Wellness:  Get up to 15% off on Fitness membership, pharmacy purchases & more

- Small Medium Enterprise (SME): Boost Business with special offers on business producitivity tools, HR Solutions & more

• Dining Benefits: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
• SmartBuy: Get up to 10X Reward Points on Flipkart, MakeMyTrip, Apple Imagine Tresor, on SmartBuy
• SmartPay: SmartPay is an automatic payment facility available to pay the utility bills.  Get assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
• Convert big spends into EMI after purchase
• Choose EMI option for large online or in-store purchases using Biz Black Credit Card and avail easy repayments using Easy EMI
• Zero Lost card liability
• Credit liability cover: Rs. 9 lakh
• Business Insurance Benefit: Secure Business with specially curated Business Insurance package:

1. Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes:

a.  Fire & Burglary insurance for Shop up to Rs. 5 lakhs

b. Cash in Safe/Transit up to Rs. 25,000

c. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

d. Hospital Cash: Accident only amount payable per day up to Rs. 1000 

e. Hospital Cash: Illness only amount payable per day up to Rs.1000 

f. Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.

• Minimum of 2500 RP is needed to redeem Reward Points against statement balance
• Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit.
• Redeem up to 70% of product/Voucher value through Reward Points on select vouchers/products and pay the remaining amount via Credit card.  
• Unredeemed Reward Points will expire/lapse after 3 year of accumulation. 
• The maximum 1,50,000 Reward Points can be earned in a statement cycle
• 1% Fuel Surcharge Waiver

• Renewal benefits are as follows:

A. Continue getting 3,000 InterMiles upon spending Rs. 6,000 with in first 30 days of Anniversary date

You can also save lots on Flight & Hotel bookings as described below:

A. Rs. 750  Flight Discount vouchers

B. Rs. 1000  Hotel Discount vouchers 

• Spend Rs. 3 lakh within 12 months of the Card setup date or within 12 months of Card renewal date to get the renewal fee for the next year waived off
• Gain 6 InterMiles on every Rs. 150 spent on retail spends
• Gain 12 InterMiles on every Rs. 150 spent on every flight ticket booked on http://flights.intermiles.com
• Gain 12 InterMiles on every Rs. 150 spent on every Hotel booked on Interbook.intermiles.com
• Get 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com
• Get 10% discount on Etihad Airways Business Class tickets booked on https://flights.intermiles.com
• Get 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com
• Domestic Lounge Program: Get access to selected lounges at airports in India with HDFC Bank’s network partners
• VISA Lounge Program: Obtain 16 complimentary visits Per Year (4 per quarter)
• MasterCard Lounge Program: Obtain 16 complimentary visits (4 per quarter)
• Priority Pass Membership: Get the Priority pass membership that provides complimentary enrollment worth $99 into the Priority Pass Program allowing preferential access to more than 600 airport lounges around the world. Primary Card holders can get up to 5 free visits to the International Lounges every year
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on minimum transaction of Rs. 400, and the waiver is capped at Rs. 500 every billing cycle
• Zero liability on lost Card
• Enjoy Revolving Credit at an interest rate of 3.6% per month
• Up to 50 days of free credit period from the date of purchase
• Avail up to 3 Add-on Cards for immediate family members (over 18 years)
• Save up to 20% on dining bills paid through Dineout Pay (15% Dineout Discount + Additional 5% HDFC Bank Discount):

A. Maximum discount per transaction capped at Rs 1000

B. Maximum discount per customer per month capped at Rs 1000

Pros

• Up to 5X Reward Points on card spends, including business expenses
• Extensive travel benefits like unlimited lounge access, accelerated rewards, discount offers and vouchers
• Lifestyle benefits like dining discounts, golf access and rewards and discounts on popular brands/platforms

Cons

• Spend-based condition on rewards on business spends and capping on monthly rewards earnings
• Due to the high joining fee, the card is only available to large businesses and enterprises
• No Reward Points are awarded for fuel, education, and rent payments

Pros

• Joining bonus and renewal benefit
• Base Fare Waiver
• Airport Lounge Access

Cons

• High interest rate
• No golf privileges