Quick Verdict

  • The HDFC Bank BizBlack Metal Edition Credit Cardⓘ offers a significantly higher base reward rate, making it the better choice for everyday spend.
  • For travel and lounge access, the BizBlack Metal Edition also wins with unlimited domestic and international lounge access compared to limited visits on the Adani One Signature Credit Cardⓘ.
  • The Adani One Signature Credit Cardⓘ is cheaper to hold with a Rs 5,000 annual fee and a lower waiver threshold, suitable for moderate spenders.
  • Pick the Adani One Signature Credit Cardⓘ if you want good travel perks with a lower spend requirement; choose the HDFC BizBlack Metal Edition Credit Cardⓘ if you are a high spender looking for premium lounges and superior rewards.

Side by Side

DetailAdani One Signature Credit CardⓘHDFC Bank BizBlack Metal Edition Credit Cardⓘ
Annual feeRs 5,000Rs 10,000
Joining feeRs 5,000Rs 10,000
Fee waiver on spendRs 2.00 lakhRs 7.50 lakh
Reward rate1% base; 7% travel; 3.5% utilities3.33% base; 16.67% travel; 3.33% utilities
Reward typepointspoints
Domestic lounge4 per yearUnlimited
International loungeNoneUnlimited
Forex markup3.5%2%
Best suited fortravel, lounge, rewardsbusiness, premium, travel, lounge, rewards

Rewards Compared

The Adani One Signature Credit Cardⓘ returns Rs 100 on Rs 10,000 spent at the base rate of 1%. It excels in travel spending with a 7% return, yielding Rs 700 per Rs 10,000, and utilities at 3.5%, or Rs 350 per Rs 10,000. This makes it a strong contender for users focused on travel and utility payments who can leverage category bonuses.

On the other hand, the HDFC Bank BizBlack Metal Edition Credit Cardⓘ offers a much higher base return of 3.33%, translating to Rs 333 per Rs 10,000 spent, which is over three times that of the Adani One Signature. Its travel category is especially lucrative at 16.67%, or Rs 1,667 per Rs 10,000, making it ideal for heavy travel spenders. Utilities earn at the base 3.33%, slightly less than Adani’s category bonus but comparable for everyday expenses.

Fees Compared

The Adani One Signature Credit Cardⓘ charges Rs 5,000 for both joining and annual fees, which can be waived with an annual spend of Rs 2.00 lakh, equivalent to about Rs 16,667 per month. The card’s break-even spend to cover the fee at base rewards is around Rs 5,00,000, making it suitable for moderate spenders who maximize category bonuses.

In contrast, the HDFC BizBlack Metal Edition Credit Cardⓘ commands a steeper Rs 10,000 joining and annual fee, waived only after spending Rs 7.50 lakh annually, or Rs 62,500 monthly, a much higher threshold. The break-even spend for its base rewards to cover fees is about Rs 3,00,300, reflecting its value proposition for higher spenders. The extra Rs 5,000 fee demands an additional Rs 2,14,592 in spend for the BizBlack to justify its superior reward rate.

Which One Should You Pick

Choose the Adani One Signature Credit Cardⓘ if you prefer a lower annual fee and moderate spend requirements while enjoying solid travel and utility rewards. It suits those who want premium travel benefits without a high monthly spend burden. However, it lacks international lounge access and has a higher forex markup, which may deter frequent overseas travelers.

Opt for the HDFC Bank BizBlack Metal Edition Credit Cardⓘ if you are a high-value spender, especially on travel, and value unlimited domestic and international lounge access. Its higher base rewards and lower forex fees make it ideal for premium business users and globetrotters. The higher fee and waiver threshold mean it is not suitable for casual spenders or those unwilling to meet a Rs 62,500 monthly spend.

In summary, moderate spenders focused on travel perks should pick the Adani One Signature Credit Cardⓘ, while affluent users seeking maximum rewards and lounge access should opt for the BizBlack Metal Editionⓘ. Avoid the Adani card if you want international lounges or lower forex costs, and skip the HDFC BizBlack if you cannot consistently spend Rs 7.50 lakh annually.

What to Check Before You Apply

  • Confirm the exact caps on lounge visits and upgrades, as limited visits on the Adani card may restrict usage.
  • Check the redemption value of points to ensure the real-world value matches your spending patterns.
  • Understand the spend requirements for fee waivers, especially the high Rs 7.50 lakh annual spend on the HDFC BizBlack Metal Edition.
  • For foreign travel, consider the forex markup impact, 3.5% on Adani One Signature versus 2% on the HDFC BizBlack Metal Edition.
  • Verify lounge access locations and participating airports to ensure convenience during travel.

FAQ

What is the joining fee and annual fee for these cards?+
The Adani One Signature Credit Cardⓘ has a joining and annual fee of Rs 5,000 each, while the HDFC Bank BizBlack Metal Edition Credit Cardⓘ charges Rs 10,000 for both fees.
How much do I need to spend to waive the annual fee on these cards?+
You need to spend Rs 2.00 lakh annually on the Adani One Signature Credit Cardⓘ and Rs 7.50 lakh annually on the HDFC BizBlack Metal Edition Credit Cardⓘ to get the fees waived.
Which card offers better lounge access?+
The HDFC BizBlack Metal Edition Credit Cardⓘ provides unlimited domestic and international lounge access, whereas the Adani One Signature Credit Cardⓘ offers limited domestic lounge visits with no international access.
What are the forex markup charges?+
The Adani One Signature Credit Cardⓘ charges 3.5% forex markup on foreign currency transactions, while the HDFC BizBlack Metal Edition Credit Cardⓘ has a lower forex markup of 2%.
Are the rewards better on the HDFC BizBlack Metal Edition?+
Yes, the HDFC BizBlack Metal Edition Credit Cardⓘ gives a higher base reward rate of 3.33% compared to 1% on the Adani One Signature Credit Cardⓘ, making it better for everyday spending and travel.