HDFC Bank Diners Club Black Metal Edition Credit Card
Updated 15 Apr 2026Source-linked
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× back on smartbuy flights hotels spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus 10,000 bonus reward points as a welcome benefit.
HDFC Bank Diners Club Black Metal Edition Credit Card
- Joining Fee₹10,000
- Annual Fee₹10,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 10× on smartbuy flights hotels (cap 7500 points / monthly)
- Base 3.33% on other spends
Welcome Benefits
- 10,000 bonus Reward Points
HDFCblacksuper premiumRewards and Benefits
Rewards Rate
10× on smartbuy flights hotels (cap 7500 points / monthly)
Base 3.33% on other spends.
Reward Redemption
SmartBuy: Redeem at ₹1 per unit.
Welcome Benefits
10,000 bonus Reward Points
Milestone Rewards
- ₹80,000 / monthly: Weekend dining voucher / Ola / BookMyShow / Times Prime vouchers worth ₹500
- ₹5,00,000 / quarterly: Travel voucher worth ₹10,000
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
6 round(s) / monthly.
Insurance Benefits
- air accident: ₹2,00,00,000
- travel medical: ₹50,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹8,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹1,000 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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.
Pros & Cons
Pros
- 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.
Cons
- High annual fee of ₹10,000.
- No rewards on fuel spends.
₹10,000 welcome benefit
- 10,000 bonus Reward PointsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 10× on smartbuy flights hotels (cap 7500 points / monthly)
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
Milestone benefits
- ₹80,000 / monthly: Weekend dining voucher / Ola / BookMyShow / Times Prime vouchers worth ₹500 (≈ ₹500 value)
- ₹5,00,000 / quarterly: Travel voucher worth ₹10,000 (≈ ₹10,000 value)
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via priority-pass, issuer-direct. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass. Guests: unlimited.
Insurance benefits
- air accident: ₹2,00,00,000
- travel medical: ₹50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹1,000 per statement.
Sources
- : www.hdfcbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 780+
- Income (salaried)
- ₹21,00,000 p.a.
- Income (self-employed)
- ₹25,00,000 p.a.