HDFC BizBlack Metal Card vs SBI KrisFlyer Apex Credit Card: super premium cards compared
HDFC BizBlack Metal Card costs ₹10,000 a year to keep; SBI KrisFlyer Apex Credit Card costs ₹9,999. On most spends, HDFC BizBlack Metal Card returns about 3.33% and SBI KrisFlyer Apex Credit Card about 3.00%.
| HDFC BizBlack Metal Card | SBI KrisFlyer Apex Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Diners Club | Mastercard |
| Joining fee | ₹10,000 | ₹9,999 |
| Annual fee | ₹10,000 | ₹9,999 |
| Base return on spends | 3.33% | 3.00% |
| Domestic lounges | Not stated | 2 a year |
| International lounges | Not stated | 2 a year |
| Minimum income | ₹21,00,000 a year | Not stated |
| Best for | government, utilities, travel, telecom | travel, forex |
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 · SBI KrisFlyer Apex Credit Card · Find a card for your spending