HDFC BizBlack Metal Card vs American Express Platinum Card: super premium cards compared
HDFC BizBlack Metal Card costs ₹10,000 a year to keep; American Express Platinum Card costs ₹66,000. On most spends, HDFC BizBlack Metal Card returns about 3.33% and American Express Platinum Card about 0.63%. The income needed to apply is ₹21,00,000 a year for HDFC BizBlack Metal Card and ₹15,00,000 for American Express Platinum Card.
| HDFC BizBlack Metal Card | American Express Platinum Card | |
|---|---|---|
| Issuer | HDFC Bank | American Express |
| Network | Diners Club | American Express |
| Joining fee | ₹10,000 | ₹66,000 |
| Annual fee | ₹10,000 | ₹66,000 |
| Base return on spends | 3.33% | 0.63% |
| Domestic lounges | Not stated | Unlimited |
| International lounges | Not stated | Unlimited |
| Minimum income | ₹21,00,000 a year | ₹15,00,000 a year |
| Best for | government, utilities, travel, telecom | travel, forex, hotels, flights |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: HDFC BizBlack Metal Card · American Express Platinum Card · Find a card for your spending