HDFC Bank
HDFC Diners Club Black Metal Edition
Data last verified: 24 October 2026
- Joining fee₹10,000 + GST
- Annual fee₹10,000 + GST
- Reward rate3.33% base, up to 4.33% on dining; 33.33% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹10,000 + GST
- Annual fee₹10,000 + GST
- Fee waiverOn ₹8 lakh spend a year
- Forex markup2%
- Interest (APR)1.99% a month, 23.88% a year
Diners Club Black Metal earns 5 reward points per Rs 150, about 3.3% back on retail spends when points are used for travel. Hotels booked through SmartBuy earn 10X and flights 5X, weekend dining at restaurants earns 2X, and you get 10,000 bonus points for every Rs 4 lakh spent in a quarter.
It costs ₹10,000 a year plus GST and the fee is waived once you spend ₹8 lakh in the year. That is the number to check first. If your spend clears it and a meaningful share goes through SmartBuy, the card pays for itself several times over. If it does not, the fee is real money and a mid-tier card will serve you better.
It suits high earners who travel. The catch is the exclusions: fuel, rent, wallet loads, government payments and EMIs earn nothing.
Best for: High earners who travel often, SmartBuy hotel and flight bookers, Golfers, Big spenders who can clear Rs 8 lakh a year.
01HDFC Diners Club Black Metal Edition Rewards and Benefits
02HDFC Diners Club Black Metal Edition Annual Fee and Charges
- Joining fee
- ₹10,000 + GST
- Annual fee
- ₹10,000 + GST
- Spend-based waiver
- Annual fee waived on ₹8 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 2%
- Interest rate
- 1.99% a month (23.88% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 4.33%₹217
- ₹15,000 on everything else, earning 3.33%₹500
- Back each month, ₹8,604 a year₹717
- Annual fee with 18% GST−₹11,800
- It costs you each year₹3,196
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at HDFC SmartBuy brand vouchers: 10% back, up to ₹3,000 a month
- Dining: 4.33% back
- Spending ₹66,667 or more a month: the ₹11,800 fee is waived
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹66,667 a month (₹8,00,000 a year, rent and wallet loads not counted): the ₹11,800 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on HDFC SmartBuy brand vouchers: the 10% rate applies only there, everything else earns 3.33%
- you sometimes pay only the minimum due: interest of 1.99% a month (23.88% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹10,000 plus GST
- Fee waived on ₹8 lakh annual spend
- 5 reward points per ₹150, about 3.3% back
- 10X on SmartBuy hotels, 5X on SmartBuy flights
- Unlimited lounge access worldwide on the Diners network
- 24 golf rounds a year and a 2% forex markup
05Pros and Cons
Pros
- About 3.3% back on everything, before any multiplier
- Unlimited lounges, the card itself is the pass
- ₹2 crore air accident cover and overseas medical cover
- Low 2% forex markup
Cons
- No points on fuel, rent, wallet loads, government payments or EMIs
- Needs a monthly income of about ₹2,50,000
- SmartBuy brand-voucher earning was cut to 3,000 points a month
- 1% fee on rent and wallet loads
06How HDFC Diners Club Black Metal Edition earns Rewards
3.33% base, up to 4.33% on dining; 33.33% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 3.33% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 16.5% | ₹10,000 | Only at: HDFC SmartBuyTerms: Myntra earns 5X on SmartBuy (~16.5%, the rate modelled here); IGP, Jockey, PharmEasy and FernsNPetals earn 10X (~33%). Brand vouchers have their own row. General online spend earns the 3.3% base. |
| Online shopping, only at listed merchants | 10% | ₹3,000 | Only at: HDFC SmartBuy brand vouchers (GyFTR, Woohoo)Terms: 3X points on GyFTR/Woohoo brand vouchers bought on SmartBuy (~10%). The accelerated points cap at 3,000 a month, inside the 10,000 SmartBuy cap; base 5 RP per ₹150 keeps earning after that. |
| Dining and food delivery | 4.33% | No cap | All merchants in the categoryTerms: 2X points (10 RP per ₹150, ~6.7%) at standalone restaurants on Saturdays and Sundays only (MCC 5812/5813/5814, min ₹150). Weekday dining earns the 3.3% base; EMI and wallet payments excluded. |
| Groceries | 3.33% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| Travel: flights, hotels, trains | 3.33% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 33.33% | ₹10,000 | Only at: HDFC SmartBuyTerms: 10X points on hotels booked via HDFC SmartBuy (~33%); flights and buses earn 5X (~16.5%) and trains 3X (~10%). General travel earns the 3.3% base. |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 3.33% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 3.33% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| School and college fees | 3.33% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 3.33% | No cap | The card's normal rate |
| Everything else | 3.33% | No cap | The card's normal rate |
Terms on the base rate. 5 Diners Club Reward Points per ₹150 (~3.3%) on all retail spends, the real everyday rate. Utility, telecom and grocery each cap at 2,000 points a calendar month and insurance at 5,000; the card as a whole earns at most 75,000 points per statement cycle.
07HDFC Diners Club Black Metal Edition Lounge Access and Travel
Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Unlimited access to 1,300+ lounges worldwide on the Diners Club network, the card itself is the credential, no Priority Pass enrolment. Spending abroad carries a 2% forex markup; rewards on it: 3.33% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, golf privileges, hotel membership, insurance cover, airport lounge access, milestone bonuses.
- Concierge service: 24x7 lifestyle concierge and travel assistance
- Golf privileges: 24 complimentary golf rounds a year (6 per quarter) at courses within India and worldwide, with a 100% green fee waiver
- Hotel membership: Welcome benefit: one-year Club Marriott membership (up to 25% off dining, 20% off rooms at participating Marriott hotels) after ₹1.5 lakh of spend in the first 90 days. Not renewed
- Insurance cover: Air accident cover of ₹2 crore, emergency overseas hospitalisation up to ₹50 lakh, baggage delay cover up to ₹55,000 beyond 8 hours, and credit liability cover up to ₹9 lakh
- Milestone bonuses: 10,000 bonus reward points on ₹4 lakh spend each calendar quarter (up to 40,000 points a year)
08HDFC Diners Club Black Metal Edition Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹2,50,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: SmartBuy brand-voucher earning capped at 3,000 RP/moSource: HDFC Bank | Up to 10,000 RP a month via vouchers (Metal) | 3,000 RP a month via Brand Vouchers |
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
| 1 Jul 2025 | Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank | No surcharge on utility or education payments | 1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps |
| 1 Jul 2025 | Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank | Insurance uncapped on most cards; online skill-based gaming earned points | Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to HDFC Diners Club Black Metal Edition
HDFC Diners Club Black Metal Edition is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC Diners Club Black Metal Edition |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹10,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹10,000 + GST | Lifetime free | Lifetime free |
| Rewards | 3.33% base, up to 4.33% on dining; 33.33% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | Unlimited | Unlimited | Not included |
| Forex markup | 2% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹10,000 fee waived?
Yes, for the following year, once you spend ₹8 lakh in a membership year. Below that the fee plus 18% GST is charged.
How much lounge access do I get?
Unlimited visits to over 1,300 lounges worldwide on the Diners Club network, with no separate membership needed.
Is there a cap on points?
Yes. The card earns at most 75,000 points per statement cycle, and utility, telecom, grocery and insurance have their own monthly caps.
What is the forex markup?
2% on foreign currency spends.
What is the joining fee for the HDFC Diners Club Black Metal Edition?
The joining fee is ₹10,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC Diners Club Black Metal Edition?
The annual fee is ₹10,000 + GST.
Does the HDFC Diners Club Black Metal Edition give airport lounge access?
Yes. Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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