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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5 Reward Points per ₹150 spent (3.33% value)
Earn 5 Reward Points per ₹150 on retail spends. Earn 2X Reward Points on weekend dining. Earn up to 10X Reward Points on travel and shopping via HDFC SmartBuy. Spends on fuel, rent, wallet loads, EMI, government transactions, education, and online skill-based gaming are excluded from earning rewards.
Redeem for
The privileges that come bundled in, beyond the reward points.
Global Lounge Access: Unlimited complimentary domestic and international airport lounge access at 1,300+ lounges globally for both primary and add-on cardholders
Milestone Benefit: Earn 10,000 Bonus Reward Points upon reaching a spend of ₹4 Lakhs every calendar quarter
Golf Privileges: 6 complimentary golf games per quarter (24 annually) across select golf courses worldwide
Dining Benefits: Up to 10% off (maximum ₹400) on restaurant payments via Swiggy Dineout twice every month
Annual Fee Waiver: The renewal fee of ₹10,000 is waived upon achieving ₹8 Lakhs in annual spends in the preceding card anniversary year
Insurance: Premium protection including ₹2 Crore air accident cover
₹50 Lakhs overseas emergency hospitalization cover, and ₹9 Lakhs credit liability cover
An honest read on where this card earns its keep — and where it doesn't.
Exceptional 3.33% base reward rate and up to 33% value via SmartBuy 10X multipliers
Points converted at a 1:1 ratio for Air Miles and SmartBuy flight/hotel bookings
Unlimited global lounge access is completely extended to all add-on cardholders
10,000 Bonus Reward Points quarterly milestone further accelerates earning potential
Low foreign currency markup of just 2%
Diners Club network has slightly lower offline acceptance compared to Visa and Mastercard
Strict eligibility criteria requiring a high minimum monthly income of ₹2.5 Lakhs
High ₹10,000 + GST annual fee with a steep ₹8 Lakhs waiver target
Severe reward exclusions: zero rewards on fuel, rent, utilities, government, and education payments
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
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Everything you need to know about HDFC Diners Club Black Metal fees, reward conversion, lounge access, and application eligibility.
HDFC Diners Club Black Metal has an annual fee of ₹10,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Complimentary Annual Memberships of Club Marriott, Swiggy One, and Amazon Prime upon spending ₹1.5 Lakhs within the first 90 days of card issuance.".
HDFC Diners Club Black Metal earns Reward Points at a primary rate of 5 Reward Points per ₹150 spent (3.33% value). Specifically, Earn 5 Reward Points per ₹150 on retail spends. Earn 2X Reward Points on weekend dining. Earn up to 10X Reward Points on travel and shopping via HDFC SmartBuy. Spends on fuel, rent, wallet loads, EMI, government transactions, education, and online skill-based gaming are excluded from earning rewards.. Spends in Super Premium, Travel, Rewards, Dining categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Diners Club Black Metal can be redeemed for SmartBuy Flights & Hotels (1 RP = ₹1), Partner Air Miles (1 RP = 1 Airmile), Products & Vouchers (1 RP = ₹0.50), Cashback against statement (1 RP = ₹0.30) via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, HDFC Diners Club Black Metal features complimentary airport lounge privileges. Privileges include: "Global Lounge Access: Unlimited complimentary domestic and international airport lounge access at 1". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of HDFC Diners Club Black Metal. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Diners Club Black Metal is issued on the Diners Club network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Diners Club Black Metal levies a forex markup fee of 2.0% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Diners Club Black Metal currently features a welcome offer: "Complimentary Annual Memberships of Club Marriott, Swiggy One, and Amazon Prime upon spending ₹1.5 Lakhs within the first 90 days of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Exceptional 3.33% base reward rate and up to 33% value via SmartBuy 10X multipliers and Points converted at a 1:1 ratio for Air Miles and SmartBuy flight/hotel bookings. However, keep in mind that Diners Club network has slightly lower offline acceptance compared to Visa and Mastercard and Strict eligibility criteria requiring a high minimum monthly income of ₹2.5 Lakhs. Overall, HDFC Diners Club Black Metal delivers strong value if your regular spending aligns with Super Premium, Travel, Rewards, Dining.
You can apply for HDFC Diners Club Black Metal directly through HDFC Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
