HDFC Bank BizBIack Metal Business Credit Card vs HDFC Bank Swiggy BLCK Credit Card

    A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.

    OUR PICK
    HDFC Bank BizBIack Metal Business Credit Card
    HDFC Bank

    HDFC Bank BizBIack Metal Business Credit Card

    Score87/100
    Rewards3.33%
    Fee₹10,000
    Tap to flip backDouble-tapto love
    HDFC Bank BizBIack Metal Business Credit Card
    HDFC Bank
    87/100
    HDFC Bank Swiggy BLCK Credit Card
    HDFC Bank

    HDFC Bank Swiggy BLCK Credit Card

    Score85/100
    Rewards10%
    Fee₹1,000
    Tap to flip backDouble-tapto love
    HDFC Bank Swiggy BLCK Credit Card
    HDFC Bank
    85/100

    HDFC Bank BizBIack Metal Business Credit Card wins 6 of 12 categories

    Across rewards, fees and benefits, HDFC Bank BizBIack Metal Business Credit Card edges ahead. But the best card for you depends on how you spend — check the detailed breakdown below.

    Head-to-head comparison

    Overview
    Expert Score
    87/100
    85/100
    Bank
    HDFC Bank
    HDFC Bank
    Network
    Visa
    Mastercard
    Reward Rate
    3.33%
    10%
    Fees & Charges
    Joining Fee
    ₹10,000
    ₹1,000
    Annual Fee
    ₹10,000
    ₹1,000
    Forex Markup
    3.5%
    3.5%
    Finance Charges
    1.99% per month
    3.75% per month
    Rewards
    Value per Point
    —
    —
    Value Back
    Benefits
    Domestic Lounge
    International Lounge
    Dining
    Golf
    Concierge
    Insurance
    Travel
    Fuel Waiver
    Movie Benefits

    Pick HDFC Bank BizBIack Metal Business Credit Card if…

    • You want better expert score
    • You want better domestic lounge
    • You want better international lounge
    • You want better concierge
    • You want better insurance
    • You want better fuel waiver
    Read full review

    Pick HDFC Bank Swiggy BLCK Credit Card if…

    • You want better joining fee
    • You want better annual fee
    Read full review

    Frequently asked questions

    Which has a better expert score, HDFC Bank BizBIack Metal Business Credit Card or HDFC Bank Swiggy BLCK Credit Card?+

    HDFC Bank BizBIack Metal Business Credit Card scores higher at 87/100, compared to 85/100 for the other.

    Which card has lower fees?+

    HDFC Bank BizBIack Metal Business Credit Card costs ₹10,000 to join and ₹10,000 annually. HDFC Bank Swiggy BLCK Credit Card costs ₹1,000 to join and ₹1,000 annually.

    Which card should I pick?+

    HDFC Bank BizBIack Metal Business Credit Card wins more categories overall in our breakdown. That said, the right choice depends on what you actually spend on — review the head-to-head table above and pick the one that matches your usage.

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