About HDFC Diners Club Black Metal Edition Credit Card
The HDFC Diners Club Black Credit Card is one of the most prestigious premium cards in India and a strong alternative to the invite-only HDFC Infinia Credit Card. While it offers benefits across lifestyle, dining, golf, and shopping, its core strength lies in travel privileges.
With a flat 3.33% reward rate on all spends and up to 33% back on HDFC SmartBuy portal purchases, it surpasses many premium competitors such as Axis Magnus and ICICI Emeralde Private. The 1:1 redemption ratio for flight and hotel bookings, as well as seamless point-to-mile conversion, make it especially rewarding for frequent flyers. Adding to its appeal are unlimited international lounge access for both primary and add-on members, a low forex mark-up, and unmatched travel benefits that make this card ideal for global travellers.
HDFC Diners Club Black Metal Edition Credit Card Rewards Program
Reward Earning
- Earn 5 Reward Points per ₹150 spent across all retail categories.
- Get up to 10X Reward Points on transactions made via the HDFC SmartBuy platform.
Reward Redemption
- Flights & Hotels via SmartBuy – 1 RP = ₹1.
- Air Miles Conversion – 1 RP = 1 Air Mile with select partners.
- Vouchers & Products (Rewards Catalogue) – 1 RP = up to ₹0.50.
- Cashback – 1 RP = ₹0.30.
Airline & Hotel Transfer Partners
1 RP = 1 Partner Mile/Point
- SpiceClub (SpiceJet)
- AirAsia
- Finnair Plus (Avios)
- Flying Blue (Air France/KLM)
- Hainan Airlines Fortune Wings Club
- IHG One Rewards
- Vietnam Airlines LotusMiles
- Wyndham Rewards
1 RP = 0.5 Partner Mile/Point
- Club ITC Green Points
- Aeroplan (Air Canada)
- ALL – Accor Live Limitless
- Avianca LifeMiles
- British Airways Executive Club
- Etihad Guest
- Turkish Airlines Miles&Smiles
- United MileagePlus
Other Features and Benefits
Welcome Benefits
- Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite, and 3-month Swiggy One.
- Available on spending ₹1.5 lakh within the first 90 days or upon first-year fee realization.
- Memberships renewed every year on spending ₹8 lakh annually.
Monthly Milestone Benefits
- Get 2 vouchers worth ₹500 each month (cult.fit Live, BookMyShow, TataCLiQ, or Ola) on spends of ₹80,000.
Golf Privileges
- 6 complimentary golf games per quarter at premium golf courses worldwide.
Travel Benefits
- Unlimited airport lounge access worldwide for both primary and add-on cardholders.
- Low forex markup fee of 2%.
- Priority check-in & baggage assistance with Fast Track Airport Experience.
Dining Benefits
- Flat 10% extra discount on restaurant bills via Swiggy Dineout.
- Exclusive dining offers at select fine-dine restaurants.
Insurance Benefits
- Air accidental coverage: ₹2 Crore.
- Emergency overseas hospitalization: ₹50 Lakh.
- Credit liability cover: ₹9 Lakh.
- Travel insurance: Up to ₹55,000 on baggage delay (capped at $10/hr up to 8 hrs).
Fuel Surcharge Waiver
- 1% waiver on fuel transactions between ₹400–₹5,000.
- Maximum waiver: ₹1,000 per statement cycle.
Other Privileges
- Discounts at premium spas, salons, gyms, and lifestyle brands (Tattva Spa, Sarva Yoga, Neemrana Hotels, etc.).
- 24×7 Concierge Service for reservations, car rentals, golf course bookings, and more.
Fees and Charges
| Type of Fees and Charges | Amount |
|---|
| Joining fee | Rs.10,000 |
| Renewal fee | Rs.10,000 |
| Minimum repayment amount | 5% or a maximum of Rs.200 |
| Cash withdrawal fee | 2.5% of the withdrawn amount (Minimum Rs.500) |
| Rewards redemption fee | Rs.99 |
| Add-on cards charges | Lifetime Free |
| Foreign currency mark-up fee | 1.99% |
| Late payment charges | - Less than equal to Rs.100 - Nil
- Rs.101 to Rs.500 - Rs.100
- Rs.501 to Rs.1,000 - Rs.500
- Rs.1,001 to Rs.5,000 - Rs.600
- Rs.5,001 to Rs.10,000 - Rs.750
- Rs.10,001 to Rs.25,000 - Rs.900
- Rs.25,001 to Rs.50,000 - Rs.1100
- More than Rs.50,000 Rs.1300
|
| Over limit charges | 2.5% of the over the limit amount (Min. of Rs.550) |
| Cash processing fee | Rs.100 per transaction |
| Payment return charges | 2% of the payment amount (Minimum of Rs.450) |
| Card re-issuance charges | Rs.100 per instance |
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Document Required For HDFC Diners Club Black Metal Edition Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HDFC Diners Club Black Metal Edition Credit Card Highlights
What do we like about this card?
- Complimentary annual memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite as welcome benefits, renewed on annual spends of ₹8 Lakh.
- Vouchers from Ola, TataCliQ, BookMyShow, or cult.fit on monthly spends of ₹80,000 or more.
- Earn 5 Reward Points per ₹150 spent (≈3.3% back), 10X points on SmartBuy/partner brands, and 2X on weekend dining.
- 6 complimentary golf games per quarter at premium global courses.
- Unlimited airport lounge access at 1,000+ domestic and international lounges.
- Low forex markup fee of 2% on international transactions.
- Extensive travel insurance, including air accident cover worth ₹2 Crore.
Things to Know Before you apply
Get this card if:
- You are a frequent traveller who wants to save significantly on flight and hotel bookings.
- You prefer all-in-one premium benefits (travel, dining, golf, lifestyle) on a single card rather than juggling multiple cards.
- You can spend ₹80,000+ per month to unlock the monthly milestone vouchers.
Pros
- Unlimited domestic & international lounge access for both primary and add-on users.
- 6 complimentary golf games per quarter.
- Multiple complimentary memberships (Amazon Prime, Times Prime, Club Marriott, etc.).
- Low forex markup fee of 2% (vs. standard 3.5%).
Cons
- Complimentary memberships are renewed only on annual spends of ₹8 Lakh+.
- Forex markup fee of 2%, though lower than standard, could be more competitive for a premium card.
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
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Frequently Asked Questions
The annual fee is ₹10,000 + taxes. It can be waived on spends of ₹5 Lakh in the preceding year.
On fee payment or spends of ₹1.5 Lakh in the first 90 days, you get complimentary memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite.
You earn 5 Reward Points per ₹150 spent (≈3.3% back), with 10X points on SmartBuy/partner brands and 2X points on weekend dining.
1 Reward Point = ₹1 when redeemed for travel bookings via SmartBuy or for Air Miles transfer (1:1 with top airline/hotel partners).
Yes, you get unlimited complimentary access to over 1,000 airport lounges worldwide for both primary and add-on users.
Yes, 6 complimentary golf games per quarter across premium golf courses globally.
The card offers up to ₹2 Crore air accidental cover, ₹50 Lakh overseas hospitalization, and baggage delay/loss cover.
Yes, 1% waiver on fuel transactions between ₹400–₹5,000, capped at ₹1,000 per statement cycle.
