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AU Business Cashback Rupay vs HDFC BizBlack Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.

AU Business Cashback Rupay Credit Card versus HDFC BizBlack Credit Card compared
FeatureAU Business Cashback Rupay Credit CardAU Business Cashback Rupay Credit CardAU Small Finance Bank
HDFC BizBlack Credit CardHDFC BizBlack Credit CardHDFC Bank
Rewards by spend
Rewards1% on most spendsRewards not published
UPI payments (scan and pay)1%Earns nothing
Online shopping1%Not stated
Dining and food delivery1%Not stated
Groceries1%Not stated
Travel: flights, hotels, trains1%Not stated
FuelsameNot statedNot stated
Bills and rechargessameNot statedNot stated
RentsameNot statedNot stated
Insurance premiumssameNot statedNot stated
School and college feessameNot statedNot stated
Wallet top-upssameNot statedNot stated
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency1%Not stated
Everything else1%Not stated
Card identity
Card typesameBusinessBusiness
NetworkRuPay-
Fees
Joining feeRs 99Rs 10,000
Annual feeRs 99Rs 10,000
Fee waived at₹10,000₹7,50,000
Eligibility
Min age21 years-
Max age60 years-
Rewards
Reward typeCashback-
Forex and international
Forex markup3.49%2%
ApplyApply NowApply Now

Best For

AU Business Cashback Rupay Credit Card
  • Small business owners and shopkeepers
  • Self-employed people who pay suppliers by UPI
  • Businesses that want basic shop insurance bundled in
  • Frequent rail travellers
HDFC BizBlack Credit Card
  • Business owners with high monthly spends
  • Frequent business travellers
  • Golfers
  • Founders who want premium perks on company spends

Watch-Outs

AU Business Cashback Rupay Credit Card
  • Cashback is only 1%
  • 3.49% forex markup
  • Instant loan is only available after 90 days of holding the card
HDFC BizBlack Credit Card
  • ₹10,000 fee is steep if spends are low
  • Fee waiver needs Rs 7.5 lakh spend a year
  • Accelerated points only on select business categories

Questions People Ask

Which has the lower annual fee, AU Business Cashback Rupay Credit Card or HDFC BizBlack Credit Card?

AU Business Cashback Rupay Credit Card. AU Business Cashback Rupay Credit Card: ₹99; HDFC BizBlack Credit Card: ₹10,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC BizBlack Credit Card has the lowest forex markup. HDFC BizBlack Credit Card: 2%; AU Business Cashback Rupay Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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