HDFC Bank Diners Club Black Metal Edition Credit Card benefits
- Rewards5
reward points per ₹150 on retail spends
- TravelUp to 10X
reward points on hotels and 5X on flights through SmartBuy
- Lounge
Unlimited lounge access in India and abroad, for primary and add-on cardholders
- Rewards10,000
bonus reward points on spends of ₹4 lakh in a calendar quarter
- Benefit6
complimentary golf games each quarter
Good to know
- 2% forex markup on foreign currency spends
HDFC Bank Diners Club Black Metal Edition Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery2X reward points, 10 per ₹150, at standalone restaurants at weekends. Left out of the maths because it applies only at weekends. | 6.67 points per ₹100 | None |
| Everything else | 3.33 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Fuel, rent, government transactions, wallet loads, and education payments made through third-party apps.
All reward rules
- Up to 10X reward points on hotels and 5X on flights booked through HDFC Bank SmartBuy. Not counted in the maths, because it applies only on SmartBuy.
- HDFC Bank gives 5 reward points per ₹150 spent, which is about 3.33 points per ₹100.
- We use ₹1 per point, the value HDFC Bank states for flight and hotel bookings on SmartBuy, where it says points redeem at up to 1:1. You can pay up to 70% of a booking with points. Products and vouchers give up to ₹0.50, and cashback up to ₹0.30, so the value is lower if you do not book travel.
- 10,000 bonus reward points each calendar quarter in which you spend ₹4 lakh or more. Not counted in the maths.
- 6 complimentary golf games each quarter, up to 24 a year.
What the HDFC Bank Diners Club Black Metal Edition Credit Card gives back in a year
Say you spend ₹67,000 a month. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,700 | 3.33% | ₹2,677 |
| Dining and food delivery | ₹4,500 | 3.33% | ₹1,798 |
| Online shopping | ₹40,200 | 3.33% | ₹16,064 |
| Travel | ₹2,200 | 3.33% | ₹879 |
| Fuel | ₹2,200 | 0% | ₹0 |
| Bills and utilities | ₹4,500 | 3.33% | ₹1,798 |
| Everything else | ₹6,700 | 3.33% | ₹2,677 |
| Total | ₹67,000 | ₹25,894 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹25,894* |
That is ₹9,283 a year more than the BOBCARD ETERNA Credit Card on the same spending.
HDFC Bank Diners Club Black Metal Edition Credit Card annual fee and charges
- Joining fee
- ₹10,000
- Annual fee
- ₹10,000
- Fee waiver
- ₹8,00,000 a year
- Foreign currency markup
- 2%
The renewal fee is waived if you spend ₹8 lakh in 12 months. Fees are before GST.
HDFC Bank Diners Club Black Metal Edition Credit Card eligibility
- Age
- 21 to 65
- Self-employed income
- ₹30,00,000 a year
Self-employed applicants need a net income above ₹30 lakh a year. We could not confirm the figure for salaried applicants from the card page.
The bank alone decides approval and your credit limit.
HDFC Bank Diners Club Black Metal Edition Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Lounge access has no fixed count. HDFC Bank gives unlimited access to more than 1,300 lounges in India and abroad, for primary and add-on cardholders.
Is the HDFC Bank Diners Club Black Metal Edition Credit Card right for you?
A card with a ₹10,000 fee that spending can waive, paying an above-average 3.33% on most spends.
Worth its fee if you spend about ₹31,000 a month or more. Below that, the ₹10,000 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend ₹8,00,000 a year or more (about ₹66,700 a month), so the ₹10,000 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 2%, against a typical 3.5% on the cards we list.
Not for you if
- You spend less than about ₹66,700 a month: you would pay ₹11,800 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank Diners Club Black Metal Edition Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank Diners Club Black Metal Edition Credit Card | ₹10,000 | 6.67% | -₹1,011* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
| IDFC FIRST Wealth Credit Card | Free | 1.25% | ₹1,755* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC Diners Club Black Metal Credit Card?
The joining and renewal fee is ₹10,000 before GST. The renewal fee is waived if you spend ₹8 lakh in 12 months.
Is the HDFC Diners Club Black Metal Credit Card lifetime free?
No. It has a ₹10,000 yearly fee, which you can avoid by spending ₹8 lakh in 12 months.
What is the value of Diners Club Black Metal reward points?
HDFC Bank says points redeem at up to ₹1 each on flight and hotel bookings through SmartBuy. Products and vouchers give up to ₹0.50, and cashback up to ₹0.30.
Does the HDFC Diners Club Black Metal card give lounge access?
Yes. It gives unlimited access to more than 1,300 lounges in India and abroad, for primary and add-on cardholders.
What is the eligibility for the HDFC Diners Club Black Metal Credit Card?
Self-employed applicants must be 21 to 65 years old with a net income above ₹30 lakh a year. Check the salaried criteria with HDFC Bank.