HDFC Bank Diners Club Black Metal Edition Credit Card
The HDFC Bank Diners Club Black Metal Edition Credit Card is a super premium credit card from HDFC Bank, with a joining fee of ₹10,000 + GST.
It earns up to 10× (≈33.3% value) on smartbuy hotels spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus complimentary annual memberships of club marriott, amazon prime and swiggy one as a welcome benefit.
- Joining Fee₹10,000
- Annual Fee₹10,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 10× on smartbuy hotels (cap 7500 points / monthly)
- 5× on smartbuy flights (cap 7500 points / monthly)
- 10 pts per ₹150 on weekend dining (cap 2000 points / monthly)
- Base 3.33% on other spends
- Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One
HDFCblacksuper premiumRewards and Benefits
- ₹4,00,000 / quarterly: 10,000 bonus Reward Points
- air accident: ₹2,00,00,000
- travel medical: ₹50,00,000
- credit shield: ₹9,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 3.3% = ₹500/mo
- Groceries₹8,000 · 3.3% = ₹267/mo
- Dining & food delivery₹8,000 · 3.3% = ₹267/mo
Dining & food delivery — earns base; accelerated rate needs 100% of this bucket qualifies
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 3.3% = ₹333/mo
Travel & hotels — earns base; accelerated rate needs booking via smartbuy
- Utilities & bills₹5,000 · 3.3% = ₹167/mo
₹18,400 rewards − ₹10,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- super premium card issued by HDFC Bank.
- Joining / annual fee of ₹10,000 + GST, waived on annual spends of ₹8,00,000.
- Available on the Diners Club International network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical, credit shield.
Pros & Cons
- Annual fee waivable on ₹8,00,000 spend.
- Strong base reward rate of 3.33%.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈33.3% on smartbuy hotels.
- High annual fee of ₹10,000.
- No rewards on fuel spends.
Welcome benefit
- Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One₹1.5 lakh spend within first 90 daysWindow: 90 days from issuance.
Accelerated rewards
- 10× on smartbuy hotels (cap 7500 points / monthly)10X reward points on HOTEL bookings via HDFC SmartBuy (booked via SmartBuy only). Shares the overall 7,500 RP/calendar-month SmartBuy cap with flights; a 3,000 RP/month brand-voucher (Gyftr/Woohoo) sub-cap sits inside it (effective 2026-07-01).
- 5× on smartbuy flights (cap 7500 points / monthly)5X reward points on FLIGHT bookings via HDFC SmartBuy — reduced from 10X effective 2026-07-01 (hotels remain 10X). Booked via SmartBuy only; shares the overall 7,500 RP/calendar-month cap with hotels.
- 10 pts per ₹150 on weekend dining (cap 2000 points / monthly)2X weekend dining capped 2,000 pts/month (1,000/day).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
Milestone benefits
- ₹4,00,000 / quarterly: 10,000 bonus Reward Points (≈ ₹10,000 value)
Airport lounge access
Insurance benefits
- air accident: ₹2,00,00,000
- travel medical: ₹50,00,000
- credit shield: ₹9,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹1,000 per statement.
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 780+
- Income (salaried)
- ₹30,00,000 p.a.
- Income (self-employed)
- ₹30,00,000 p.a.
Net monthly income > ₹2.5 lakh (salaried); net income > ₹30 lakh p.a. (self-employed, per ITR).
History
Past revisions as recorded in the dataset. Most recent first.
- 30 Jun 2026Reward structure changed — prior rate 5 per ₹150 (points) until 30 Jun 2026