Biz Black Credit Card

•For Business Owners/Entrepr...Super-premiumBusiness Rewards

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Highlights

Base Reward: 3.33% return (5 RP / ₹150)
Domestic Lounge: Unlimited visits via Diners Club
International Lounge: Unlimited visits via Diners Club
Forex Markup: 2%

Welcome / Joining Benefit

Spend ₹1.5 Lakhs or more in the first 90 days to get joining fee waived.

Points Expiry

Points valid for 3 years.

Joining Fee

₹10,000

+18% GST applicable

Annual Fee

₹10,000

+18% GST applicable

Renewal Fee

₹10,000

+18% GST applicable

Joining Fee Waiver

Spend ₹1.5 Lakhs or more in the first 90 days to get joining fee waived.

Annual Fee Waiver

Spend Threshold₹7,50,000

PeriodPrevious anniversary year

Spend ₹7.5 Lakhs or more in the anniversary year to get renewal fee waived.

Basic Requirements

Minimum Age21 years

Maximum Age70 years

Eligible OccupationSelf-Employed

Additional Details

For Business Owners/Entrepreneurs with high annual sales/ITR.

Base Reward Rate

Points per Spend

5 RP

Per Every

₹150

Effective Return

3.3333333333333335%

Currency: Biz Reward Points — 1 point ≈ ₹1

Forex Markup: 2%

Accelerated & Special Rates

5X Rewards on tax payments, business software, utilities, and marketing spends. Cardholders should spend more than Rs.50,000 in a statement cycle to avail 5X Reward points on Business spends.

16.67% return

Cap: 7,500 pts / Monthly

❌ No Points Earned On:

FuelWallet LoadRent

🛫 Domestic Lounge Access

ProgramDiners Club

VisitsUnlimited

PrivilegesPrimary: Yes • Add-on: No • Guest: No

🌏 International Lounge Access

ProgramDiners Club

VisitsUnlimited

PrivilegesPrimary: Yes • Add-on: No • Guest: No

Redemption Options

Smart Redemption Tips

🏆 Best value: Flight Booking at ₹1/pt — maximize your returns here.

⚠️ Avoid Statement Credit (₹0.3/pt) — you lose 70% of point value.

Best Value

🛫Flight Booking

SmartBuy flight bookings

₹1/pt

🏨Hotel Booking

SmartBuy hotel bookings

₹1/pt

🎁Gift Voucher

Gift voucher redemption

₹0.5/pt

💳Statement Credit

Cash redemption against statement

₹0.3/pt

Points Transfer Partners

Total: 1 partners

Sort By

Singapore KrisFlyer

Airline

100Points

50Miles

Min. Transfer500 pts

Transfer FeeFree

Effective Ratio1 pt = 0.5 mile