Basic Information

Welcome Benefits All welcome benefits: Spend ₹1.5 lakh within first 90 days of card issuance and get complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One.

Card Details Card Name: HDFC Bank Diners Club Black Metal Edition Credit Card
Bank Name: HDFC Bank
Card Type: Metal Credit Card
Network: Diners
Network Variant: Black Metal Edition

Card Category Card Category: Super Premium

Payment Network Payment Network: Diners

Eligibility Age Criteria: Minimum 21 years
Employment Type: Salaried / Self-employed

Rewards Program

Reward Points Reward Rate: 5 Reward Points per ₹150 retail spend
Reward Value: SmartBuy flights/hotels: ₹1 per point; AirMiles: up to 1 AirMile per point; Products/Vouchers: up to ₹0.50 per point; Cashback: up to ₹0.30 per point
Reward Expiry: Official card page does not specify a fixed expiry period

Redemption Reward Redemption Options: SmartBuy flight/hotel bookings, AirMiles conversion, products and vouchers, cashback
Reward Redemption Limit: Flights/hotels: redeem points for up to 70% of booking value; remaining amount must be paid by card

Milestone Rewards Milestone Benefit: Spend ₹4 lakh in a calendar quarter and receive 10,000 bonus reward points
Annual Spend Benefit: Spend ₹8 lakh in 12 months and get renewal fee waived for the next renewal year

Travel Benefits

Airport Lounge Domestic Airport Lounge: Unlimited access to 1,300+ lounges in India
International Airport Lounge: Unlimited access to 1,300+ lounges worldwide
Lounge Spend Condition: No specific spend condition stated on the official card page

Travel Offers Travel Booking Offers: SmartBuy offers up to 10X reward points on hotel and flight bookings

Forex Benefits Low Forex Markup: 2% foreign currency markup
International Offers: International travel benefits and lounge access

Shopping Benefits

Online Shopping Online Shopping Benefit: Earn up to 10X reward points through SmartBuy

Dining & Entertainment

Dining Dining Rewards: 2X reward points on weekend dining at participating restaurants
Dining Discount: Up to 25% savings on restaurant bill payments via Swiggy Dineout, including restaurant and Swiggy discounts

Lifestyle Benefits

Golf Golf Games: 6 complimentary golf games every quarter, up to 24 games annually

Concierge Concierge Service: Dedicated Concierge Desk, available 24×7

Luxury Services Luxury Hotel Benefits: Club Marriott membership welcome benefit
Premium Experiences: Tailor-made offers such as workspaces, business insurance and wellness discounts

Wellness Wellness Offers: Wellness discounts

Insurance & Protection

Insurance Air Accident Insurance: ₹2 crore
Travel Insurance: Emergency overseas hospitalisation cover ₹50 lakh; international flight baggage delay cover up to ₹55,000 for delay beyond 8 hours, capped at $10/hour

Card Security Credit Liability Cover: Up to ₹9 lakh
Fraud Protection: Protection against fraudulent transactions, subject to policy terms

Digital Features

Payments Contactless Payment: Contactless payments supported

Banking Features Mobile Banking: HDFC Bank MyCards for card management
Instant Card Control: Enable/disable online, contactless, international and other transaction controls; set usage limits

Add-on Features

Family Benefits Add-on Card: Lounge access available for primary and add-on card members

EMI Features EMI Conversion: Convert eligible large transactions into SmartEMI after purchase

Fees & Charges

Joining Charges Joining Fee: ₹10,000 + applicable taxes

Annual Charges Annual Fee: ₹10,000 + applicable taxes
Annual Fee Waiver: Spend ₹8 lakh in 12 months and get the renewal fee waived for the next renewal year.

EMI Charges EMI Facility: SmartEMI — convert eligible large transactions into EMI after purchase

Forex Charges Forex Markup Fee: 2% on foreign currency spends

Customer Support

Service 24×7 Customer Support: Dedicated Concierge Desk available 24×7

Performance & Ratings

Best Usage Best For: Travel, luxury lifestyle, dining, golf and high-value reward redemption

Advantages Pros: Unlimited airport lounge access, 10X SmartBuy rewards, quarterly milestone rewards, golf benefits, low 2% forex markup, premium insurance covers

Limitations Cons: ₹10,000 + taxes annual fee; reward redemption limits; benefits subject to terms and conditions; Diners network acceptance may vary by merchant