HDFC Bank Diners Club Black Metal Edition Credit Card

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The HDFC Bank Diners Club Black Metal Credit Card offers a premium experience with a range of benefits. This card provides unlimited airport lounge access for both the main cardholder and add-on cardholders, along with golfing perks and excellent rewards on spending. You can earn 5 reward points for every Rs. 150 spent, and 10X points on purchases made through SmartBuy. Additionally, cardholders can earn up to 10,000 reward points every quarter with a spend of Rs. 4 lakh.

With an annual fee of Rs. 10,000 plus taxes, the HDFC Bank Diners Club Black Metal Credit Card is a great option for those who travel frequently. It also allows you to convert reward points into miles for flight and hotel bookings, offers international lounge access, and comes with a low forex fee. This card is a strong alternative to other premium options like the Infinia Credit Card, providing valuable perks for those who enjoy travel, golf, and exclusive memberships.

Credit Card Detail
HDFC Bank Diners Club Black Metal Edition Credit Card
Joining Fee
Rs. 10000.00 +GST
Renewal Fee
Rs. 10000.00 +GST
Best Suited For
Travel | Dining
Reward Type
Reward Points
Welcome Benefits
Spend Rs. 1.5 lakh in the first 90 days or pay the first-year fee to get free memberships to Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite, and a three-month Swiggy One. These memberships will renew each year if you spend Rs. 8 lakh annually.
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Rewards Rate
Earn 5 reward points for every Rs. 150 spent, up to 10X reward points on purchases from partner brands, and get 2X reward points on dining expenses over the weekend.
Reward Redemption
You can convert reward points into Air Miles at a rate of 1 point = 1 mile. Use your points to book flights or hotels through the SmartBuy portal, where 1 point equals Re. 1. You can also redeem points for vouchers or items from the rewards catalogue, with 1 point valued up to Re. 0.50. For cashback, each point is worth Re. 0.30.
Movie & Dining
The card offers great perks through the Good Food Trails Program, along with 2X reward points on dining during weekends.
Travel
Enjoy unlimited lounge access at airports for both the primary cardholder and any add-on cardholders.
Golf
Enjoy free golf games at golf courses both in India and internationally.
Domestic Lounge Access
Enjoy unlimited free access to domestic airport lounges throughout India.
International Lounge Access
You get unlimited access to airport lounges around the world for both the main cardholder and any add-on users.
Insurance Benefits
The card offers comprehensive insurance coverage, including Rs. 2 Crore for air accidents, Rs. 50 Lakh for emergency overseas hospitalization, up to Rs. 9 Lakh for credit liability, and up to Rs. 55,000 for baggage delay during travel.
Interest Rates
The interest rate is 1.99% per month, which equals 23.88% per year.
Spend-Based Waiver
You can get the renewal fee waived by spending Rs. 8 lakh in a year.
Rewards Redemption Fee
N/A
Cash Advance Charges
A fee of 2.5% is charged on the withdrawn amount, with a minimum charge of Rs. 500.
Foreign Currency Markup
2.00% +GST
Fuel Surcharge
You can get a 1% discount on fuel surcharge for transactions above Rs. 400.
Card Details
  • Card Type & Fee: The card is a metal credit card with a joining fee of Rs. 10,000 plus taxes.
  • Reward Points & Milestone Benefits: Earn 5 Reward Points for every Rs. 150 spent, up to 10X points with partner brands, and 2X points on weekend dining. Spend Rs. 80,000 monthly to get 2 vouchers worth Rs. 500 each from TataCLiQ, BookMyShow, or Ola Select.
  • Lifestyle & Golf Benefits: Enjoy complimentary golf games (6 rounds per quarter) at global courses and discounts at partner salons, spas, wellness centers, and gyms.
  • Welcome & Annual Benefits: Get complimentary memberships for Club Marriott, Amazon Prime, MMT BLACK, Swiggy One, Times Prime, and Forbes upon spending Rs. 1.5 lakh in the first 90 days or after fee payment. Renew these memberships annually with Rs. 8 lakh spend in 12 months.
  • Travel & Lounge Benefits: Access unlimited airport lounges worldwide for primary and add-on cardholders, along with a 2% foreign exchange markup fee.
  • Dining & Exclusive Offers: Receive a 10% discount on restaurant bills via Swiggy Dineout, priority check-in and baggage assistance at airports, and exclusive dining and spa discounts.
  • Insurance & Coverage: Enjoy Rs. 2 Crore air accidental insurance, Rs. 50 Lakh emergency overseas hospitalization cover, up to Rs. 9 Lakh credit liability cover, and Rs. 55,000 in travel insurance for baggage delays.
  • Fuel Benefits: Get a 1% fuel surcharge waiver on transactions over Rs. 400 (up to Rs. 1,000 per statement cycle).
  • Other Benefits: Avail exclusive discounts at spas, salons, gyms, and more, along with 24/7 concierge service for golf reservations, dining, and car rentals.
Pros/Cons
Pros
- Enjoy unlimited international lounge access for both primary and add-on cardholders, along with 6 free golf games every quarter.
Cons
- One downside is the Rs. 10,000 joining fee, which could be considered expensive for some. Additionally, the renewal fee can be waived if you spend Rs. 8 lakh in a year, but this may be difficult for some people to reach.
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Frequently Asked Questions

How can I get more information about the HDFC Bank Diners Club Black Credit Card?

You can find more details on the HDFC Bank website or contact their customer care at 1800 266 4332 for assistance.

Can I earn reward points on fuel expenses with the HDFC Diners Club Black Credit Card?

No, fuel purchases do not earn reward points with this card.

Can I use the HDFC Diners Club Black Credit Card for contactless payments?

Yes, you can make contactless payments of up to Rs. 5,000 without entering a PIN.

How can I find out about golf courses I can visit with the HDFC Diners Club Black Credit Card?

You can find this information on HDFC Bank’s official website.

Are there any milestone benefits with the HDFC Diners Club Black Credit Card?

Yes, you can earn 10,000 Bonus Reward Points by spending Rs. 4 lakh every quarter.

When will I receive the benefits for this card?

If you meet the eligibility criteria, you will receive your benefits within 30 days of getting the card.

How will I know if I’ve won any rewards or benefits?

HDFC Bank will notify you via email or SMS if you win any rewards and guide you through the redemption process.

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