HDFC Bank Diners Club Black Metal Edition Credit Card
Updated on August 16, 2026
🎖️Reward Rate
5 Reward Points per ₹150 spent (3.3% base reward rate)
Overview
The HDFC Bank Diners Club Black Metal Edition Credit Card is an ultra-premium super-luxury credit card crafted in handcrafted matte black metal titanium, delivering unlimited worldwide airport lounge access, 1:1 SmartBuy flight/hotel redemption, 6 quarterly golf games, 2% low forex markup, and luxury lifestyle club memberships.
Rewards
Reward Type
Reward Points
Reward Rate
- • 5 Reward Points per ₹150 spent (3.3% base reward rate)
- • Up to 10X / 5X Rewards (up to 33.3% value) on SmartBuy travel, hotels & partner merchants
Welcome Benefit
10,000 Reward Points + Complimentary Annual Memberships (Amazon Prime, Swiggy One, MMT Black Gold, Club Marriott) on spending ₹1.5 Lakhs in first 90 days
Milestone Benefit
100% annual renewal fee waiver on spending ₹8,00,000 in preceding 12 months; Complimentary Annual Memberships renewal on annual spends of ₹8 Lakhs
Redemption
- • 1 RP = ₹1.00 for Flights & Hotels booking on SmartBuy (1:1 ratio)
- • 1:1 Airmiles transfer (KrisFlyer, Avios, Vistara)
- • 1 RP = ₹0.30 for cash credit
Benefits
- Welcome: 10,000 Reward Points + Complimentary Annual Memberships (Amazon Prime, Swiggy One, MMT Black Gold, Club Marriott) on spending ₹1.5 Lakhs in first 90 days
- 5 Reward Points per ₹150 on all retail transactions
- Up to 10X / 5X Accelerated Rewards on SmartBuy (Flights, Hotels, Apple)
- Travel & Lounge: Unlimited International & Domestic Airport Lounges Worldwide for Primary & Add-on Cardholders
- Dining: Good Food Trail & 2X Weekend Dining Multiplier
- Golf: 6 Complimentary Golf Games / Lessons per calendar quarter
- Fuel Waiver: 1% surcharge waiver on transactions between ₹400 and ₹1,00,000
- Insurance: ₹2 Crore Accidental Air Death Cover + ₹50 Lakhs Medical Emergency Cover + Zero Lost Card Liability Protection
Things to Know Before you apply
HDFC Bank Diners Club Black Metal Edition Credit Card Eligibility Criteria
- Age: 18–65 years
- Salaried: Monthly Net Income > ₹1,75,000; Self-Employed: Annual ITR > ₹21,00,000
- Salaried & Self-Employed Professionals
- Resident Indian
HDFC Bank Diners Club Black Metal Edition Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: +91 22 6160 6161
- Concierge Service: 1800 118 887
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹10,000 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% (Min ₹500) |
Fee waiver: Spend ₹8,00,000 or more in preceding 12 months for 100% annual renewal fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
We have awarded the HDFC Bank Diners Club Black Metal Edition Credit Card an outstanding 4.8/5.0. It matches the elite rewards of Infinia Metal (up to 33.3% on SmartBuy and 1:1 airmile transfers) while offering unlimited global airport lounges for primary and add-on holders, 24 complimentary golf rounds per year, and top-tier memberships. Top Comparison Cards: HDFC Bank Infinia Credit Card Metal Edition; ICICI Bank Emeralde Private Metal Credit Card; Axis Bank Magnus Credit Card; American Express Platinum Card.
Pros
- • Unlimited free domestic and international lounge visits globally for primary and add-on cardholders
- • 1:1 reward redemption for flight and hotel bookings (1 RP = ₹1.00)
- • 10,000 bonus points + 4 premium memberships on joining
- • 6 golf games per quarter
- • Industry-low 2% foreign currency markup fee
Cons
- • High annual fee of ₹10,000 + 18% GST
- • Renewal fee waiver requires ₹8 Lakhs annual spend
- • Acceptance is slightly lower compared to Visa/Mastercard on select older offline POS machines
Compare with Similar Cards
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- • 10,000 Reward Points + Complimentary Annual Memberships (Amazon Prime, Swiggy One, MMT Black Gold, Club Marriott) on spending ₹1.5 Lakhs in first 90 days
- • 12,500 Reward Points (Worth ₹12,500 on travel bookings) + Taj Epicure Preferred Membership + EaseMyTrip air voucher worth ₹6,000 upon joining fee realization
- • 12,500 Reward Points upon realization of joining fee and card activation
- • Complimentary 1-Year Club Marriott membership with up to 50% dining/stay discounts across Asia-Pacific
- • 5 Reward Points per ₹150 spent (3.3% base reward rate)
- • Up to 10X / 5X Rewards (up to 33.3% value) on SmartBuy travel, hotels & partner merchants
- • 6 ICICI Reward Points per ₹200 on all retail transactions with NO category restrictions or exclusions
- • 3% flat reward return on Education, Utilities, Insurance, and Fuel spends
- • 5 Reward Points per ₹150 retail spends (including Insurance, Utilities & Education)
- • Up to 10X Reward Points on Smartbuy
- • Unlimited free domestic and international lounge visits globally for primary and add-on cardholders
- • 1:1 reward redemption for flight and hotel bookings (1 RP = ₹1.00)
- • 10,000 bonus points + 4 premium memberships on joining
- • 6 golf games per quarter
- • Industry-low 2% foreign currency markup fee
- • 1:1 Reward point redemption ratio (1 RP = ₹1.00) on flights, hotels, and airmiles
- • Unlimited complimentary domestic & international lounge access globally with unlimited free guest visits
- • Industry-low 1.5% foreign currency transaction fee
- • Handcrafted emerald-green metal titanium card body
- • Welcome benefit of 12,500 Reward Points (worth ₹12,500) + Taj Epicure + ₹6,000 EaseMyTrip voucher completely offsets the fee
- • Buy 1 Get 1 Free on BookMyShow up to ₹750 twice monthly (₹18,000/year movie savings)
- • 3% flat uncapped rewards on utilities, education, and insurance spends
- • 12,500 Welcome Reward Points on fee payment + Complimentary 1-year Club Marriott membership
- • Industry-low forex markup of only 2.0% + GST on international spends
- • Unlimited complimentary domestic & international airport lounge visits for Primary and Add-on members
- • 1:1 redemption value (1 RP = ₹1.00) on flight & hotel bookings via Smartbuy
- • Stay 3 nights & pay for 2 at ITC hotels + 1+1 complimentary buffet
- • Unlimited complimentary golf lessons & games across India & select global courses with 100% green fee waiver
- • High annual fee of ₹10,000 + 18% GST
- • Renewal fee waiver requires ₹8 Lakhs annual spend
- • Acceptance is slightly lower compared to Visa/Mastercard on select older offline POS machines
- • High annual fee of ₹12,499 + 18% GST
- • High ₹10,00,000 spend requirement for renewal fee waiver
- • Invite-only eligibility requiring premier Wealth Management or High Net Worth account status
- • High joining and renewal fee of ₹12,500 + 18% GST (waived on ₹10 Lakhs annual spend)
- • Strict invite-only eligibility criteria requiring high monthly salary (₹3L+) or ITR (₹45L+)
- • Monthly points cap applies on accelerated 10X Smartbuy category spends