Compare HDFC Bank Biz Black Credit Card vs Paytm HDFC Bank Mobile Credit Card

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

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

Milestone Benefit: By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
First Year Fee will get waived by spending Rs. 1,000 (Non-EMI spends) within the first 30 days
Renewal Year Fee will get waived by spending Rs. 25,000 (Non-EMI spends) in the 12 months period
Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
Avail 1% Cashback on all other Select Paytm Spends
Avail 0.5% Cashback on all other retail transactions
Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
Obtain up to 50 days of interest free credit
Avail up to 20% discount on partner restaurants through Dineout