How to get Biz black credit card

Hi Siddharth, I am looking for a Bizz black card but don't have a proprietorship, I am a salaried person and along with some capital gain. Having 30 + lacs ITR. I have hdfc infinia with a 12 lacs limit. Please guide how can I get Bizz black. The second option is my wife has capital gain from share trading with ITR 30+ lacs, till now I was showing as capital gain but now I am planning to show as business income but she is not having any card of HDFC except an add on card of infinia with me. Please guide how to get biz black for me or wife or both. Thanks in advance Dayanand Kumar

By Dayanand Kumar₹5,00,000Income tax paymentBiz Black Metal

Rewardly Expert

Biz Black is typically positioned as a business/professional card, so eligibility can depend heavily on how HDFC classifies your occupation + income proof (not just total ITR). Keep your documentation consistent and truthful.
Best route (highest success): apply via your HDFC branch/RM if you’re a premium banking customer or have a strong existing relationship. With an Infinia and a high limit, ask your RM to route it as an internal sourcing/upgrade request instead of a cold online application.
Offline sourcing can work better than online: contact your city’s HDFC credit card sales team / sourcing desk (branch can connect you). Many approvals happen through offline teams because they validate docs upfront and fix mismatches.
Online application (only if the portal shows you eligible): keep docs ready — latest ITR + computation, last 6 months bank statements, salary slips (if salaried), and address proof. Small data mismatches (name/address/occupation) are common rejection reasons.
If you’re salaried and the card requires business/professional profile: you may get rejected even with a ₹30L+ ITR. In that case, ask HDFC what profile is required and whether any alternate variant fits your use-case (tax payments) without needing business registration.
For your wife: if she has high capital gains, the bank may still expect a clear primary income profile + banking relationship. Start with a primary HDFC card in her name (not just an add-on), build 3–6 months history, then request an upgrade.
Escalation playbook after rejection: raise a service request with your RM/customer care and re-submit with additional supporting docs (bank statement showing inflows, ITR+computation, any business registration/GST returns if applicable). Many approvals happen on re-application after 3–6 months.
Avoid risky shortcuts: don’t change income type (capital gains → business) only to qualify for a card. If you genuinely need to change the filing approach, do it based on CA advice; the application should reflect your actual profile and documents.
Quick checklist before applying: CIBIL/Experian healthy, low utilization, no recent multiple inquiries, and ensure your HDFC KYC/address/occupation are updated in the bank records (these mismatches often cause instant declines).

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