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Credit CardsComparisons

Axis MyBiz Credit Card vs HDFC Biz Black Metal Edition

A head-to-head comparison of Axis MyBiz Credit Card and HDFC Biz Black Metal Edition across fees, rewards, and spending categories to help you decide which card suits your wallet better.

BusinessCard A

Axis MyBiz Credit Card

Travel-Heavy Businesses

Annual Fee
Lifetime Free
Reward Rate
4 RP per ₹200 on travel/hotels
Apply Now Read full review →
BusinessCard B

HDFC Biz Black Metal Edition

High-Spend Enterprises

Annual Fee
₹10,000
Reward Rate
Up to 10X on SmartBuy
Apply Now Read full review →

Feature comparison

FeatureAxis MyBizHDFC Biz
Annual FeeLifetime Free₹10,000 (Waived on ₹7.5L spend)
Reward Rate4 RP per ₹200 on travel/hotelsUp to 10X on SmartBuy
Best ForTravel-Heavy BusinessesHigh-Spend Enterprises
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis MyBizHDFC Biz
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose Axis MyBiz Credit Card if:

  • Lower annual fee (₹Nil vs ₹10,000)

Choose HDFC Biz Black Metal Edition if:

  • You spend heavily on international travel

Full pros & cons

Axis MyBiz Credit Card

What's good
  • Comprehensive travel insurance for employees
  • Airport lounge access for business travellers
  • Higher limits enabled via GST-verified spend
Watch out for
  • Rewards are point-based, not direct cash
  • Reward rate (4 RP per ₹200) is modest compared to personal travel cards

HDFC Biz Black Metal Edition

What's good
  • Unlimited global lounge access for self and add-on cardholder
  • Massive credit limits for B2B spend
  • Dedicated relationship manager for corporate accounts
Watch out for
  • Very high ₹10,000 annual fee
  • ₹7.5L annual spend required for fee waiver
  • SmartBuy 10X capped at 10,000 points/month; 5X on select business spends capped at 7,500 points/cycle