HDFC Bank Diners Club Black Metal Credit Card
HDFC Diners Club Black Metal is a top-tier travel and lifestyle card that earns high reward points on most spends and offers unlimited airport lounge access worldwide. Points can be redeemed for flights, hotels, or transferred to partner programs, making it ideal for high spenders.
- Issuer
- HDFC Bank
- Card type
- Rewards Card
- Category
- Travel & lifestyle
- Joining fee
- ₹10,000 + GST
- Annual fee
- ₹10,000 + GST
- Rewards currency
- Reward Points
Highlights
- 5 reward points per ₹150 on regular spends with up to 10× points on SmartBuy purchases.
- Complimentary memberships (Club Marriott, Times Prime, Amazon Prime, MakeMyTrip Black, Swiggy One and Forbes) on spending ₹1.5 lakh within 90 days or upon fee realisation.
- Unlimited domestic and international lounge access for primary and add‑on cardholders.
- 2 % foreign currency markup and six complimentary golf games per quarter.
Welcome, annual & renewal benefits
Diners Club Black Metal unlocks lifestyle memberships and a joining voucher when you meet the initial spend requirement.
| Benefit | Details |
|---|---|
| Welcome memberships | Swiggy One, Amazon Prime and Club Marriot after ₹1,50,000 spend in 90 days of card issuance |
| Annual fee | ₹10,00 + GST (charged yearly) |
| Renewal fee waiver | ₹8,00,000 in a membership year |
Eligibility
- Monthly Income greater than ₹2,50,000
Reward earning
Build a healthy Reward Points balance on every purchase and supercharge partner merchant spends.
| Spend type | Earn rate | Reward Rate |
|---|---|---|
| Regular spends | 5 RP / ₹150 | 3.3% |
| Smartbuy Flights | 25 RP / ₹150 | 16.6% |
| Smartbuy Hotels | 50 RP / ₹150 | 33.2% |
| Smartbuy Gyftr | 15 RP / ₹150 | 10% |
- 3X points partner on SmartBuy - Myntra, MakeMyTrip Holiday, Redbus and others
- 10X points partner on SmartBuy - PharmEasy, Jockey and more
- A maximum of 10,000 accelerated RPs can be earned in 1 day or 1 month
- Exclusions - fuel, wallet, rent and tax payments.
Redemption options
Redeem via HDFC SmartBuy for maximum value or move points to airline partners when conversions align with your itinerary.
- Airline partners convert at up to 1 RP : 1 air mile.
- You can cover up to 70% of a booking's value with Reward Points.
| Channel | Value |
|---|---|
| SmartBuy exclusive catalog | 1 RP = ₹0.65 |
| SmartBuy flights & hotels | 1 RP = ₹1 (up to 75,000 RP/month) |
| Products & vouchers | Up to ₹0.5 per RP |
| Statement credit | ₹0.30 per RP (cap 50,000 RP/month) |
Milestone bonuses
Get 10000 bonus Reward Points on Rs 4 Lakh spend in a calendar quarter.
Lounge & travel comforts
- Unlimited Domestic and International Lounge Access.
Review
Some consider Diners Club Metal at par with Infinia. Yes Reward rate on voucher is lower but you get 10,000 bonus RPs on spending 4,00,000 a quarter.
- Very good base reward rate of 3.3%.
- SmartBuy offers very good return specifically for Flights and Hotels.
Apply now
Application is handled directly by HDFC Bank.