Rated 19 Oct 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate
Premium · Open to new applications · Earns Reward Points
First-year fee
₹10,000 + GST
Annual fee
Joining fee ₹10,000 plus applicable taxes; renewal fee ₹10,000 plus applicable taxes
Compared with the cards we have read
Annual fee
Joining fee ₹10,000 plus applicable taxes; renewal fee ₹10,000 plus applicable taxes
Joining feeRenewal fee
₹10,000 + GST
Fee waiver rule
Fee waived if you spend ₹8 lakh.
Add-on card fee
₹0
Welcome benefit
Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One on net retail spends of ₹1,50,000 within 90 days of card issuance
EMI spend earning
Reward Points shall not be eligible on Smart EMI / Dial an EMI transactions.
Fuel earning
Reward Points will not be accrued on fuel transactions.
Government spend earning
Government related transactions will not earn Reward Points/CashPoints on all the cards except BizBlack Metal Card, BizPower, BizGrow, Micro Enterprise Card, BizFirst, GIGA Business, Business Regalia, Business Regalia first, Business Money back, CSC small business moneyback, Paytm Business, Flipkart Business, Retailio, Best Price Save Smart, Best Price Save Max and Pinelabs.
Groceries earning
Reward Points earned on Grocery transactions are capped at 2000 Reward Points per month.
Insurance spend earning
Reward Points accrued for insurance transactions have a maximum cap of 5,000 per month
Online earning
Get 10X rewards on hotels and 5X on flights when you book via SmartBUY.
Rent earning
Rent payments will not earn Reward Points/CashPoints on all the cards.
Reward earning on dining spends
2X Rewards on Weekend Dining.
Travel earning
10X rewards on hotels via SmartBUY.
Utilities earning
Reward Points earned on Utility transactions are capped at 2000 Reward Points per calendar month.
Wallet load earning
E-wallet loading transactions will not accrue Reward Points; any accrued reward points will be duly reversed.
Reward exclusions
Rent payments will not earn Reward Points /CashPoints on all the cards.
Reward caps
The maximum reward points that can be earned in a statement cycle for Diners Black Metal Edition, Diners Black Card is 75,000
What one reward unit is worth
1 Reward point is equivalent to ₹1 on SmartBuy flight and hotel bookings; up to ₹0.50 on products and vouchers; up to ₹0.30 on cashback
Cashback redemption
Cashback up to ₹0.30
Catalogue redemption
Products and Voucher up to ₹0.50
Flight redemption
Reward Points can be redeemed up to 70% of the booking value for Flights and Hotel booking
Points transfer redemption
1 Reward point is equivalent to up to 1.0 airmile on airmiles conversion
Redeeming points for travel
SmartBuy (Flight and hotel bookings) ₹1.
Statement-credit redemption
Cashback: 1 Reward point is equivalent to up to ₹0.30
Voucher and product redemption
1 Reward point is equivalent to up to ₹0.50 on products and vouchers
Point expiry
Reward points are valid for 3 years.
Airline and hotel partners points may move to
Airmiles conversion Up to 1.0 airmile
Award examples
The bank's documents don't say.Checked 19 Oct 2026
Reward earning on international spends
The bank's documents don't say.Checked 19 Oct 2026
International lounge access
Unlimited Airport lounge access to 1300+ Lounges worldwide for primary and add-on card members.
Domestic lounge access
Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members.
Hotel or travel programme
Club Marriott membership on net retail spends of ₹1,50,000 within 90 days of card issuance: up to 20% off the Best Available Rates on rooms at participating Marriott hotels in India and on Weekend Rates at participating hotels in Asia-Pacific
Dining programme
Up to 40% off on dining with Swiggy Dineout
Golf
Enjoy 6 complimentary golf games per quarter, up to 24 rounds annually
Concierge
Exclusive 24x7 Concierge services
Milestone benefits
10000 bonus reward points per quarter on spends of ₹4 lakhs or more.
Retention or continued-access criteria
The Bank closes the card account if the card has not been used for a continuous period of 1 year and the cardholder does not start using it within 30 days of the intimation, subject to payment of all dues
Minimum spend rules
Reward Points are earned on transactions amounts in multiple of ₹150, residual amounts or transactions below ₹150 will not earn Reward Points.
Renewal benefit
The bank's documents don't say.Checked 19 Oct 2026
Spend that unlocks lounge visits in the next period
The bank's documents don't say.Checked 19 Oct 2026
Movies and entertainment
The bank's documents don't say.Checked 19 Oct 2026
Priority Pass
The bank's documents don't say.Checked 19 Oct 2026
Movie or entertainment ticket benefit
The bank's documents don't say.Checked 19 Oct 2026
Membership tiers and what unlocks them
The bank's documents don't say.Checked 19 Oct 2026
Benefit given each anniversary year
The bank's documents don't say.Checked 19 Oct 2026
Fuel surcharge waiver
Fuel Surcharge waiver Not Applicable
Surcharge on railway tickets
1% of the transaction amount plus applicable taxes
Air accident cover
Air accident cover of USD 250,000 for the primary card holder (Diners Black/Black Metal), if the card holder suffers bodily injury resulting in death within 12 months of the accident; claim paid in INR at the exchange rate on the date of death
Credit shield cover
Credit Liability Cover of up to ₹9 Lakh
Lost card liability
Primary card holder: liability on lost card covered to an extent of 900,000 for 2 days prior to the date of block and 30 days post the date of block.
Medical and hospitalisation cover
Emergency medical expenses cover of USD 62,500 for the primary card holder (Diners Black/Black Metal), for bodily injury or sudden unexpected sickness during international travel outside India only; pre-existing illness not covered; claim paid in INR at the exchange rate on the date of payment to the hospital / medical establishment
Travel insurance
Baggage delay cover of USD 688 for the primary card holder (Diners Black/Black Metal): only for a delay beyond 8 hours on an international flight, maximum payable $10 per hour; international travel only, subject to travel origination from India; maximum trip duration 30 days; claim paid in INR at the exchange rate on the date of expenses incurred by the cardholder
Balance transfer terms
Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.
Purchase to EMI conversion
Option to convert big spends into EMI after purchase available on Diners Club Black Credit Card.
Purchase protection
The bank's documents don't say.Checked 19 Oct 2026
Add-on card eligibility
The bank's documents don't say.Checked 19 Oct 2026
Forex markup
2% on foreign currency transactions.
Dynamic currency conversion markup
With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas
Cash advance fee
2.5% of the withdrawn amount, minimum ₹500
Cash advance interest
1.99% per month (23.88% annually) for both revolving credit and cash advances, starting from the transaction date until full payment is made
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
1.99% per month (23.88% annually)
Interest-free period
Up to 50 days of interest-free Credit from the date of purchase
Late payment fee
Late payment charges (excl. GST) in case of default (no payment or delayed payment), basis Credit Card bill amount (w.e.f. 1st August’24), by Outstanding Balance: Less than equal to ₹100: Nil; ₹101 to ₹500: ₹100/-; ₹501 to ₹1,000: ₹500/-; ₹1,001 to ₹5,000: ₹600/-; ₹5,001 to ₹10,000: ₹750/-; ₹10,001 to ₹25,000: ₹900/-; ₹25,001 to ₹50,000: ₹1100/-; More than ₹50,000: ₹1300/
Over-limit fee
Over limit charge on the total outstanding exceeding the Credit limit: 2.5% of the overlimit amount, subject to a minimum of ₹550, basis explicit consent from the cardholder; once consent is granted the sanctioned Credit Limit is increased by the amount equivalent to the Over Limit
Payment return or dishonour fee
Payment return charges: 2% of the payment amount, subject to a minimum of ₹450, applicable for a cheque payment return or an unsuccessful payment attempt through the Autopay facility
Statement or duplicate statement fee
₹10 per duplicate physical statement.
Card replacement fee
₹3,500 for metal cards
Cash payment / cash deposit fee
Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Education / school fee charge
1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.
EMI conversion fee
Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant
Fee on online skill-based gaming spends
From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month
Foreign ATM fee
Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.
Reward redemption fee
Nil: Diners Black (Metal Edition) holders will not be charged a processing fee for any redemption request.
Wallet load charge
From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month
What the card's fee or benefit year means
If you spend ₹8 lakh in 12 months, the renewal fee will be waived for the next renewal year.
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.
GST note
GST is applicable on all Fees, Interest, and other Charges
Grace days after the due date
3 grace days from the payment due date, where payments are not overdue.
Minimum amount due
MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.
Fee for paying the bill by cheque
The bank's documents don't say.Checked 19 Oct 2026
Age the primary cardholder must be
Age: 21 - 60 years for salaried; 21 - 65 years for self-employed.
Income requirement
Salaried: Net Income (Monthly) > ₹2.5 lakh per month; Self-employed: Net Income > ₹30 lakh per annum.
Income, salaried
Net Income (Monthly) > ₹2.5 lakh per month.
Income, self-employed
Self-employed: Net Income > ₹30 lakh per annum.
Minimum age
21 years
Documents required
Identity Proof: Passport, Aadhaar card, Voter ID, Driving license, PAN card, Passport size photographs; Address Proof: Utility bills (electricity, water, gas, or telephone), Rental agreement; Income Proof: Salary slips (for salaried individuals), Income Tax Returns (self-employed), Form 16, Bank statements
Residency
Indian
The period milestones are measured over and when it resets
Spend 4 Lakh or more in a calendar quarter to get 10,000 Bonus Reward Points.
How the earn rate is rounded
Reward Points are earned on transaction amounts in multiple of ₹150; residual amounts or transactions below ₹150 will not earn Reward Points.
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
Spends that do not count toward the fee waiver
Cash on Call, Balance Transfer and Cash Withdrawal transactions are excluded from the spend counted for the fee waiver
What must be paid with the card for the cover to apply
Air Accident cover and Travel Insurance are activated if the tickets are purchased using the Diners Card.
What happens to unredeemed points if the card is closed
For closed cards: reward points can be redeemed only for 30 days from the date of card closure (unredeemed points lapse), only towards products/vouchers through a manual redemption form; cashback redemption is not allowed on closed cards
What applies: ₹3,500 for metal cards
per MITC and Key Fact Statement v4.14, 9 Oct 2026
Fees and charges page says: ₹100
“The reissue charge for a lost or damaged card is ₹100.”
“Reissue of Lost, Stolen or Damaged Card: • ₹199 for non-metal cards; • ₹3,500 for metal cards.”
What applies: 1.75% from 15 May 2026
per MITC and Key Fact Statement v4.14, 9 Oct 2026
Fees and charges page says: 2%
“The dynamic currency conversion markup fee for the HDFC Bank Diners Club Black Metal Edition Credit Card is 2% on all foreign currency spends.”
“Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.”
On these lists
