HDFC Bank Diners Club Black Metal Edition
Updated on October 29, 2026
🎖️Reward Rate
Hotels on SmartBuy: 10X reward points
Overview
The HDFC Bank Diners Club Black Metal Edition is a super-premium card with unlimited global lounge access, 10X points on hotels booked through SmartBuy and a 2% forex markup.
Rewards
Reward Type
Reward Points
Reward Rate
- • Hotels on SmartBuy: 10X reward points
- • Flights on SmartBuy: 5X reward points
- • Weekend Dining: 2X reward points at participating restaurants
- • Quarterly Bonus: 10,000 bonus points when you spend ₹4 lakh in a calendar quarter
Welcome Benefit
Club Marriott, Amazon Prime and Swiggy One memberships when you spend ₹1.5 lakh in the first 90 days.
Milestone Benefit
10,000 bonus reward points for every calendar quarter with ₹4 lakh spend. Renewal fee waived on ₹8 lakh spend in 12 months.
Redemption
- • Flights and Hotels: 1 point = ₹1 on SmartBuy, for up to 70% of the booking value
- • Airmiles: Up to 1 airmile per point
- • Products and Vouchers: Up to ₹0.50 per point
- • Cashback: Up to ₹0.30 per point
Benefits
- Lounges: Unlimited access to over 1,300 lounges in India and abroad for primary and add-on cardholders
- Golf: 6 complimentary golf games per quarter
- Concierge: 24x7 dedicated concierge desk
- Dining: Up to 40% off with Swiggy Dineout
- Insurance: ₹2 crore air accident cover, ₹50 lakh overseas hospitalisation cover, baggage delay cover up to ₹55,000 and credit liability cover up to ₹9 lakh
Things to Know Before you apply
HDFC Bank Diners Club Black Metal Edition Eligibility Criteria
- Age: 21–65 years
- Salaried applicants need a net monthly income above ₹2.5 lakh. Self-employed applicants need a net income above ₹30 lakh a year.
- Salaried applicants aged 21 to 60 and self-employed applicants aged 21 to 65.
- Indian nationals.
HDFC Bank Diners Club Black Metal Edition Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: 022 6160 6160
- Concierge Service: 1800 118 887
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹10,000 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Fee waiver: Renewal fee waived if you spend ₹8 lakh in 12 months.
PaisaSimple Review
Overall Rating
4.2/5What do we like about this card?
Rated 4.2 out of 5. The HDFC Bank Diners Club Black Metal Edition scores well for 10X points on hotels and 5X on flights through SmartBuy, unlimited lounge access for cardholders and add-ons, 6 golf games a quarter and a 2% forex markup. It loses marks because Diners Club is accepted at fewer merchants and salaried applicants need ₹2.5 lakh net monthly income.
Pros
- • Lounges: Unlimited visits in India and abroad, including add-on cardholders
- • SmartBuy Rewards: 10X on hotels and 5X on flights
- • Redemption: 1 point = ₹1 on flights and hotels
- • Golf: 6 games per quarter
- • Low Forex: 2% markup
Cons
- • Fee: ₹10,000 a year unless you spend ₹8 lakh
- • Diners Acceptance: Accepted at fewer merchants than Visa or Mastercard
- • No Fuel Waiver: Fuel surcharge waiver does not apply
- • High Income Bar: ₹2.5 lakh net monthly income for salaried applicants
Frequently Asked Questions
What is the joining and annual fee of the HDFC Bank Diners Club Black Metal Edition?
The joining fee is ₹10,000 plus GST. The annual fee is ₹10,000 plus GST. Renewal fee waived if you spend ₹8 lakh in 12 months.
What rewards does the HDFC Bank Diners Club Black Metal Edition give?
Hotels on SmartBuy: 10X reward points. Flights on SmartBuy: 5X reward points. Weekend Dining: 2X reward points at participating restaurants. Quarterly Bonus: 10,000 bonus points when you spend ₹4 lakh in a calendar quarter.
How do I redeem the rewards on the HDFC Bank Diners Club Black Metal Edition?
Flights and Hotels: 1 point = ₹1 on SmartBuy, for up to 70% of the booking value. Airmiles: Up to 1 airmile per point. Products and Vouchers: Up to ₹0.50 per point. Cashback: Up to ₹0.30 per point.
Does the HDFC Bank Diners Club Black Metal Edition give airport lounge access?
Lounges: Unlimited access to over 1,300 lounges in India and abroad for primary and add-on cardholders.
What is the forex markup on the HDFC Bank Diners Club Black Metal Edition?
The forex markup is 2% of the amount spent in a foreign currency.
Who can apply for the HDFC Bank Diners Club Black Metal Edition?
Applicants should be 21 to 65 years old. Salaried applicants aged 21 to 60 and self-employed applicants aged 21 to 65. Salaried applicants need a net monthly income above ₹2.5 lakh. Self-employed applicants need a net income above ₹30 lakh a year. You must be an Indian national.
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- • Club Marriott, Amazon Prime and Swiggy One memberships when you spend ₹1.5 lakh in the first 90 days.
- • 12,500 reward points on fee payment and card activation, plus a complimentary Club Marriott membership for the first year.
- • Choice of one voucher worth ₹12,500 from Luxe, The Postcard Hotels or Yatra.
- • Hotels on SmartBuy: 10X reward points
- • Flights on SmartBuy: 5X reward points
- • Weekend Dining: 2X reward points at participating restaurants
- • Quarterly Bonus: 10,000 bonus points when you spend ₹4 lakh in a calendar quarter
- • Base Rate: 5 reward points per ₹150, including insurance, utilities and education
- • SmartBuy: Up to 10X reward points on travel and shopping
- • Exclusions: No points on fuel
- • Base Rate: 12 EDGE Reward points per ₹200 on spends up to ₹1.5 lakh in a calendar month
- • Accelerated Rate: 35 EDGE Reward points per ₹200 on spends above ₹1.5 lakh, up to your credit limit plus ₹1.5 lakh each month
- • Travel EDGE: 5X points on bookings through Travel EDGE
- • Rent: Points on rent capped at ₹50,000 a month
- • Exclusions: No points on utilities and telecom, wallet, gift cards, government, insurance, gold and jewellery, fuel, tolls or cash advances
- • Lounges: Unlimited visits in India and abroad, including add-on cardholders
- • SmartBuy Rewards: 10X on hotels and 5X on flights
- • Redemption: 1 point = ₹1 on flights and hotels
- • Golf: 6 games per quarter
- • Low Forex: 2% markup
- • Rewards: About 3.3% back when redeemed at ₹1 per point
- • Lounges: Unlimited global access including add-on cardholders
- • Golf: Unlimited lessons and games
- • No Cash Fee: No cash advance fee
- • Low Forex: 2% markup
- • Accelerated Rewards: 35 points per ₹200 above ₹1.5 lakh monthly spend
- • Lounges: Unlimited international and domestic visits
- • Welcome Voucher: ₹12,500 voucher matches the joining fee
- • Lower Forex: 2% markup
- • No Cash Fee: No cash withdrawal fee
- • Fee: ₹10,000 a year unless you spend ₹8 lakh
- • Diners Acceptance: Accepted at fewer merchants than Visa or Mastercard
- • No Fuel Waiver: Fuel surcharge waiver does not apply
- • High Income Bar: ₹2.5 lakh net monthly income for salaried applicants
- • Invite Only: You cannot apply directly
- • Fee: ₹12,500 a year unless you spend ₹10 lakh
- • Redemption Caps: Monthly limits on travel and cashback redemptions
- • No Points on Fuel: Fuel spends earn nothing
- • Fee: ₹12,500 joining and annual fee
- • Fee Waiver: Needs ₹25 lakh eligible annual spend
- • Guest Visits: Only 4 international guest visits a year
- • Exclusions: No points on utilities, insurance, fuel, gold and several other categories