HDFC Diners Club Black vs HDFC Bank Biz First Credit Card

• Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK   

• Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
• Avail 5 Reward Points for every Rs 150 spent
• Up to 10X Reward Points via SmartBuy
• Dining privileges: 2X on weekend dining 
• HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants     
• Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International)                            
• Up to 50 days of interest free credit period on the credit card
• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalization: Rs. 50 Lakh
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay                             
• Complimentary Golf games across the finest courses in the world ( 6 per quarter)                 
• Credit Liability Cover of up to Rs. 9 Lakh
• Foreign Currency Markup:  2% on all your foreign currency spends
• Revolving Credit is available at a nominal interest rate
• 24/7 Concierge Services
• Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
• 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
• Milestone Benefit: The credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
• Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
• Convert big spends into EMI after purchase
• Contactless Payment
• Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

• Up to 55 days Interest Free Credit Period
• Earn cashpoints on your everyday Business spends:

A. 3% CashPoints on EMI Spends (Earn Maximum 1,000 CashPoints/Calendar month)

B. 2% CashPoints on Utility bills, Electronics, SmartPay & Payzapp transactions (Earn Maximum 500 CashPoints/Calendar month)

C. 1% CashPoints on all other spends including UPI spends (Earn Maximum 500 CashPoints/Calendar month) 

• Additional Benefit for your Business: Make GST payment using Business Credit Card:  

A. Pay Income Tax/ Advance Tax using Business Credit Card

B. SmartBuy BizDeals:  Avail up to 40% savings on Business travel and software purchase on smartbuy.hdfcbank.com/business  

C. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking.

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

D. 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  

• Make UPI Payments using the RuPay Biz First Credit Card and enjoy 1% Cash Point benefits
• Card Activation Benefit: Obtain Gift voucher worth Rs. 250 on making one transaction on the Biz First Credit card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy, and more 
• Milestone Benefits:

A. Get 2000 CashPoints every quarter on your quarterly spends of Rs. 75,000 & above

• Get 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
• Dining Benefits: Avail up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via Swiggy App using the card (20k + restaurants)
• Avail up to 5% Cash Back on travel/online shopping on SmartBuy
• SmartPay: SmartPay is an automatic payment facility available on the Credit Card to pay 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
• HDFC Bank Biz First Credit Card provides the option to convert big spends into EMI after purchase
• Easy EMI: Choose EMI option for large online or in-store purchases using the Biz First Credit Card and avail easy repayments using Easy EMI.
• Zero Lost card liability
• Business Insurance Benefit: Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes the following:

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

Pros

* Welcome Benefits

* Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
* Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons
Joining and renewal fee is on the higher side

Pros

• Earn cashpoints on your everyday Business spends
• Avail up to 5% Cash Back on travel/online shopping on SmartBuy
• Avail Business Insurance package starting at an annual premium of Rs. 3,785

Cons

• No movie benefits
• No golf benefits
• No international and domestic lounge access