HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank · Premium
Annual / renewal fee
- Annual membership fee: fee varies by cardmember and offer.
- Minimum spend for waiver of annual membership fee / renewal charges for next year is ₹8 Lakh / Annum.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card — governing document (side-door search)15 Aug 2026, 4:30 PM ISTHDFC Bank
Earn rate
Confirm on the official page
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COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
HDFC's super-premium travel card and the attainable sibling to the invite-only Infinia — a flat 3.33% reward rate, 1:1 transfers to one of India's strongest partner networks, and unlimited lounge access. Note: the older Diners Club Black is closed to new applicants; this is the current Metal Edition.
Best for
- High spenders who want a premium travel card without waiting for an Infinia invite.
- Miles collectors using SmartBuy's 1:1 transfers to airline and hotel partners.
- Frequent flyers who'll use unlimited lounges and quarterly golf.
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Not ideal for
Lower spenders — the ₹10,000 fee and ₹8 lakh waiver bar are steep, eligibility needs a high income, and the Diners Club network has patchier acceptance than Visa or Mastercard.
Official source not yet captured
Fees
Joining fee
₹10,000 + GST.
Official source not yet captured
Annual / renewal fee
- Annual membership fee: fee varies by cardmember and offer.
- Minimum spend for waiver of annual membership fee / renewal charges for next year is ₹8 Lakh / Annum.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card — governing document (side-door search)15 Aug 2026, 4:30 PM ISTHDFC Bank
Fee waiver
Minimum Spend for waiver of annual membership fee / renewal charges for next year: ₹8 Lakh / Annum.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card — governing document (side-door search)15 Aug 2026, 4:30 PM ISTHDFC Bank
Rewards
All eligible spends
5 RP per Rs.150 (3.3%); up to 33% via SmartBuy 10x
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SmartBuy 10x
up to 33%
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All retail
3.3%
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Plain math
At 3.33%, ₹4 lakh/year of spend earns about 13,300 Reward Points ≈ ₹13,300 in flights or transferred miles — plus memberships (Club Marriott, Prime, Swiggy One, MMT BLACK) worth far more than the ₹10,000 fee on their own.
Redemption value
- Redeem Reward Points on SmartBuy at up to 1:1 ratio.
- Redeem up to 70% of booking value through Reward Points.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Reward exclusion
Reward Points will not be accrued on fuel transactions for Diners Black Metal.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card — governing document (side-door search)15 Aug 2026, 4:30 PM ISTHDFC Bank
Travel & lounge
Lounge access
Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Travel benefit
Travel Insurance Cover of up to INR 55,000 on baggage delay beyond 8 hours for international flight (Capped to $10/hour).
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Annual memberships of Club Marriott, Amazon Prime and Swiggy One on ₹1.5 Lakh spends in first 90 days.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Golf
Unlimited complimentary golf at 100+ courses globally.
Official source not yet captured
Dining
2x reward points on weekend dining.
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Insurance
- Air accident ₹2 Cr.
- Overseas medical ₹50L.
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Fuel surcharge
1% waiver, max ₹1000/month.
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Hotel
Club Marriott membership · 6 complimentary ITC/Postcard/Oberoi vouchers on milestones.
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Airline
Strong airline transfer roster (30+ partners across SmartBuy).
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Milestones
Quarterly milestone bonuses on ₹1.5L spend (weekend dining vouchers) · Annual fee waived on ₹8L spends.
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Redemption highlights
1 RP = ₹1 SmartBuy · 1:1 mile transfer to 30+ partners.
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Dining benefit
- Earn 2X Reward Points on Weekend Dining on participating restaurants.
- Get up to 40% off on dining with Swiggy Dineout.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Insurance
- Air accident insurance worth ₹2 crore.
- Emergency overseas hospitalization cover of ₹50 lakh.
- Credit Liability Cover of up to ₹9 Lakh.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Milestone benefit
- Get 10,000 Bonus Reward Points on spends of ₹4 lakhs every calendar quarter.
- Spend ₹8 Lakhs in 12 Months and get Renewal Fee waived for next renewal year.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Eligibility
Eligibility
- Salaried: Nationality Indian.
- Age 21 - 60 years.
- Net Income (Monthly) > ₹2.5 lakh per month.
- Self-employed: Nationality Indian.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Charges & interest
Forex markup
2% on all your foreign currency spends.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Charge
Finance charge / interest on revolving credit: up to 1.99% per month (23.88% per annum) for Diners Black Metal Edition (excluding GST).
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Interest-free period
Up to 55 days.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the HDFC Bank Diners Club Black Metal Edition Credit Card?
Officially traced: Annual membership fee: fee varies by cardmember and offer.
HDFC Bank Diners Club Black Metal Edition Credit Card — governing document (side-door search)Is the HDFC Bank Diners Club Black Metal Edition Credit Card annual fee ever waived?
Minimum Spend for waiver of annual membership fee / renewal charges for next year: Rs. 8 Lakh / Annum.
HDFC Bank Diners Club Black Metal Edition Credit Card — governing document (side-door search)What lounge access does the HDFC Bank Diners Club Black Metal Edition Credit Card include?
Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members.
HDFC Bank Diners Club Black Metal Edition Credit Card product pageWhat welcome benefit does the HDFC Bank Diners Club Black Metal Edition Credit Card offer?
Annual memberships of Club Marriott, Amazon Prime and Swiggy One on Rs. 1.5 Lakh spends in first 90 days.
HDFC Bank Diners Club Black Metal Edition Credit Card product pageWhat are the transfer ratios for HDFC Bank Diners Club Black Metal Edition Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/diners-club-black-metal-edition-credit-card.
VerifiedHDFC Bank Diners Club Black Metal Edition Credit Card product page15 Aug 2026, 4:30 PM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.