HDFC Diner Club Black Credit Card – Metal Edition

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HDFC Bank’s Diners Black Metal Edition Credit Card is a super premium credit card for travelers and is an upgraded version of Diners Black Credit Card. The card comes with very high reward rates and gives best value if reward points are redeemed on travel benefits such as flights and hotel booking, The card comes with premium travel benefits such as unlimited domestic and international lounge access for self and 3 add-off card members. The card comes on Diners Club payment network and is a great card for people whose annual spend is more than Rs.8 Lacs.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining and Renewal Benefits

Joining Benefits

Avail Complimentary Annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months) by spending 1.5 lakhs within the first 90 days or upon first year fee realization on your HDFC Bank Diners Club Black Credit Card (T&C Apply)

Renewal Benefits:

  • No renewal benefits

Easily track your joining and renewal milestone spends by following these steps.
Visit offers.smartbuy.hdfcbank.com/diners >> Click on Diners Club Benefits >>Diners Club Black Milestones>> Check Welcome Benefits

Cashback and Rewards

  • Base Rewards: 1 Reward Points on every Rs.150 Spend = 3.33% Valueback
  • SmartBuy: Upto 10 times reward points on spend made on travel and shopping on HDFC Bank’s Smartbuy Portal
    • 50 Reward Points on every Rs.150 Spend on hotel booking, Jockey, Pharmeasy and IGP.com = 33% Valueback
    • 25 Reward Points on every Rs.150 Spend on Flight tickets, Bus Ticket booking, Nykaa, Myntra, MakeMyTrip Holiday Packages, Zoom Card = 16.66% Valueback
    • 15 Reward Points on every Rs.150 Spend on Train Ticket Booking through IRCTC, Instant Vouchers or Giftcards, Apple Products  = 10% Valueback
    • The bonus points through SmartBuy are capped at 10,000 points per calendar month. No Smartbuy capping on base reward points which is 5 points per Rs.150 spend. However, total reward points across all kind of spend through Diners Black Metal Credit Card are caped at 75,000 points per month.
  • Dining
    • 2x reward points (10 Reward Points per Rs.150 spend) on standalone restaurants on weekends. Maximum 1,000 extra points in a calendar month in this benefit.
    • Get FLAT 10% EXTRA OFF on dining bills through Swiggy Dineout, up to Rs.400, per transaction twice in a month on minimum order value of Rs.2,000. Click here to know more
  • Quarterly Milestone Benefit: Get 10,000 Bonus Reward Points on spends of Rs.4 lakhs every calendar quarter. This gives additional rewards of 2.5% which increase the overall reward rate to 5.83% across categories which is very high. Calendar quarter is defined as Jan – Mar; Apr – Jun; Jul – Sep; Oct – Dec

Lifestyle Benefits

  • Lounge Access: Unlimited Domestic and International Airport Lounge Access for primary and upto 3 Add-on cad holder.
  • Golf Games: 6 Complimentary golf games per calendar Quarter at leading courses across India and select courses across the world.
  • Insurance Benefits: 
    • Air accident insurance cover worth Rs 2 crore
    • Emergency overseas hospitalisation: Rs. 50 Lacs
    • Travel Insurance Cover of up to INR 55,000 on baggage delay
      (Capped to 10$ per hour restricted to 8 hours)
    • Credit Liability Cover of up to Rs. 9 Lakh
    • Click here to update Nominee details
    • Click here For the Policy Cover

Global Concierge Service

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Simply call : toll-free on 1800118887 (India /Landline – 022 42320226

Fuel Surcharge Waiver

Fuel surcharge waiver is not available on this credit card.

Forex Mark-up Charges

  • 2.36% Forex mark-up charges including GST on all transactions done in foreign currency.
  • Global Value Program: You can activate optional Global Value Program by calling customer care for Foreign Currency Transactions at a fee of Rs.235 per annum including GST. In this program, you get following benefits
    • Joining Benefit: 500 Reward Points on 1st International Transaction after activating the program (only in the 1st year)
    • 1% Real Cashback on International Transactions, upto Rs.1000 per monthly statement cycle (upto Rs.12,000 Cashback per annum). Apart from the above cashback, you also get regular reward points as per the card feature.
    • Rs.2,000 Giftcard on spending Rs.1.5 Lacs in a year. You can choose among Make My Trip or Clear Trip or Yatra or Ease My Trip. This benefit is available every year.

Joining and Renewal Benefits

Joining Benefits

Avail Complimentary Annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months) by spending 1.5 lakhs within the first 90 days or upon first year fee realization on your HDFC Bank Diners Club Black Credit Card (T&C Apply)

Renewal Benefits:

  • No renewal benefits

Easily track your joining and renewal milestone spends by following these steps.
Visit offers.smartbuy.hdfcbank.com/diners >> Click on Diners Club Benefits >>Diners Club Black Milestones>> Check Welcome Benefits

Cashback and Rewards

  • Base Rewards: 1 Reward Points on every Rs.150 Spend = 3.33% Valueback
  • SmartBuy: Upto 10 times reward points on spend made on travel and shopping on HDFC Bank’s Smartbuy Portal
    • 50 Reward Points on every Rs.150 Spend on hotel booking, Jockey, Pharmeasy and IGP.com = 33% Valueback
    • 25 Reward Points on every Rs.150 Spend on Flight tickets, Bus Ticket booking, Nykaa, Myntra, MakeMyTrip Holiday Packages, Zoom Card = 16.66% Valueback
    • 15 Reward Points on every Rs.150 Spend on Train Ticket Booking through IRCTC, Instant Vouchers or Giftcards, Apple Products  = 10% Valueback
    • The bonus points through SmartBuy are capped at 10,000 points per calendar month. No Smartbuy capping on base reward points which is 5 points per Rs.150 spend. However, total reward points across all kind of spend through Diners Black Metal Credit Card are caped at 75,000 points per month.
  • Dining
    • 2x reward points (10 Reward Points per Rs.150 spend) on standalone restaurants on weekends. Maximum 1,000 extra points in a calendar month in this benefit.
    • Get FLAT 10% EXTRA OFF on dining bills through Swiggy Dineout, up to Rs.400, per transaction twice in a month on minimum order value of Rs.2,000. Click here to know more
  • Quarterly Milestone Benefit: Get 10,000 Bonus Reward Points on spends of Rs.4 lakhs every calendar quarter. This gives additional rewards of 2.5% which increase the overall reward rate to 5.83% across categories which is very high. Calendar quarter is defined as Jan – Mar; Apr – Jun; Jul – Sep; Oct – Dec

Lifestyle Benefits

  • Lounge Access: Unlimited Domestic and International Airport Lounge Access for primary and upto 3 Add-on cad holder.
  • Golf Games: 6 Complimentary golf games per calendar Quarter at leading courses across India and select courses across the world.
  • Insurance Benefits: 
    • Air accident insurance cover worth Rs 2 crore
    • Emergency overseas hospitalisation: Rs. 50 Lacs
    • Travel Insurance Cover of up to INR 55,000 on baggage delay
      (Capped to 10$ per hour restricted to 8 hours)
    • Credit Liability Cover of up to Rs. 9 Lakh
    • Click here to update Nominee details
    • Click here For the Policy Cover

Global Concierge Service

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Simply call : toll-free on 1800118887 (India /Landline – 022 42320226

Fuel Surcharge Waiver

Fuel surcharge waiver is not available on this credit card.

Forex Mark-up Charges

  • 2.36% Forex mark-up charges including GST on all transactions done in foreign currency.
  • Global Value Program: You can activate optional Global Value Program by calling customer care for Foreign Currency Transactions at a fee of Rs.235 per annum including GST. In this program, you get following benefits
    • Joining Benefit: 500 Reward Points on 1st International Transaction after activating the program (only in the 1st year)
    • 1% Real Cashback on International Transactions, upto Rs.1000 per monthly statement cycle (upto Rs.12,000 Cashback per annum). Apart from the above cashback, you also get regular reward points as per the card feature.
    • Rs.2,000 Giftcard on spending Rs.1.5 Lacs in a year. You can choose among Make My Trip or Clear Trip or Yatra or Ease My Trip. This benefit is available every year.

Reward Redemption

Reward Points can be redeemed for:

  • Flight and Hotel Bookings via HDFC Bank’s Smartbuy portal (https://offers.smartbuy.hdfcbank.com) at a value of 1 Reward Point = Rs 1
    • Maximum 70% of the payment can be done using reward points for flight and hotel booking. Rest of the payment needs to be made using Infinia credit card.
    • On HDFC SmartBuy, Goibibo, Yatra, ClearTrip and easeMytrip are available as options to book flight. Hotel booking on HDFC SmartBuy is done through MakeMyTrip and ClearTrip.
    • Redemption of Reward Points for flights & hotel bookings and against airmiles transfer on Smartbuy portal is capped at 75,000 Reward Points per calendar month.
  • Airmiles conversion through netbanking at following rate
    • 1 Reward Point = 0.5 Airmile or Hotel Point for Qatar Airways, Club ITC, Air Canada’s Aeroplan, Accor ALL, Avianca Lifemiles, British Airways Executive Club, Etihad Guest, Turkish Airlines Miles & Smiles, United Mileage Plus
    • 1 Reward Point = 1 Airmile or Hotel Point for Spicejet’s Spice Club, Air Asia Rewards, Finnair Plus, Fir France’s Flying Blue, Hainan Airlines Fortune Wings Club, IHG Hotel’s One Club, Vietnam Airlines Lotusmiles, Wyndham Rewards
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 Reward Point = upto Rs 0.50
  • Cashback at a value of 1 Reward Point = Rs 0.30
    • Redemption of Reward Points against statement balance (cashback redemption) is capped at 50,000 Reward Points per calendar month.
  • Reward Points are valid for 3 years from the date the points are credited.

For detailed terms & conditions, click here

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 800000

Pros

Aspects that make this credit card amazing.

  • Very high reward rate which goes upto 33%
  • Relatively easy redemption options at flat rate of Rs.1 per reward points across flights and hotels through SmartBuy.
  • One of the best lifestyle benefits such as airport lounge program, golf program, dining discount on DineOut etc.
  • High class customer service, a dedicated customer care number which directly picks-up your call without long IVR navigation
  • Considering the target audience for this card, renewal fee waiver criteria of Rs.5 lacs per annum is achievable for the most users (specially if this is their primary credit card)

Cons

Aspects this credit card lacks.

  • No significant benefits against joining fee payments. No benefit as all against renewal fee. But it may not bother much to people who can spend Rs.8 Lacs in year.
  • Earlier, there used to be acceptance issue with Diners Blub credit cards in India. However, over the last few years, acceptance has increased a lot and you will hardly find any merchant who accepts Visa credit card but not Diners Club cards in India. So, acceptance is no more a problem with this credit card.

Spend Categories with No Cashback / Rewards

No reward points on following

  • Fuel
  • e-wallet load
  • While merchant EMIs earn reward points, HDFC Bank’s EasyEMI and HDFC Bank’s SmartEMI do not earn any reward points.
  • Rental pay transactions
  • Property management services like rent, maintenance, packers &movers, etc
  • Government transactions
  • Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points
  • On Insurance transaction, a maximum cap of 5,000 reward points per day. It means, reward points are earned on insurance premium payment only on first Rs.1.5 Lacs in a day.
  • Maximum 2,000 Reward Points per month on utility bills, telecom and Grocery. it means, maximum spend upto Rs.60,000 on grocery per month will be eligible for reward points.
  • For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month
  • You can earn maximum 75,000 reward points across the categories in a month statement cycle.
  • You can redeem maximum 75,000 reward points per calendar month on flight and hotel booking.
  • You can redeem maximum 50,000 reward points per calendar month as real cashback in credit card statement.
  • Reward Points expire after 3 years from the date of accumulation

Add-on Cards

Get upto 3 Complimentary Add-on credit cards for parents, spouse, bother, sister, son, daughter. Add-on card member must be 18 years old or above.

Eligibility Criteria

HDFC Bank Diners Club Black Credit Card Eligibility:

For Salaried Indian national

  • Age Min 21 yrs & Max 60 yrs
  •  Income: Net Monthly Income > Rs 2.5 Lakhs per month

For Self Employed  Indian national

  • Age: Min 21 yrs & Max 65 yrs
  • Income: ITR > Rs 30 Lakhs per annum for self-employed customers

Upcoming Changes

N/A

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(4.6/5)

SpendWisely’s Rating for this Credit Card

(4.6/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(5)
Lifestyle Benefits
(5)
Ease of Reward Redemption
(4)
Value for Money
(4)
Customer Service
(5)

HDFC Bank’s Diners Black Credit Cad (Metal Edition) is good lifestyle and travel credit card with high reward rates, relatively easy redemption options (flat redemption rate of Rs.1 per point for all flights and hotels) and great customer service (dedicated customer care line with Diners Black and Infinia credit cards customers). If one can spend more than Rs.8 Lacs in a year, this card can be a great choice as it offers very high reward rates on flight and hotel booking. Additionally, this has one of the best airport lounge program with a very wide network of airport lounges covered by it. Earlier, there used to be acceptance issue with Diners Blub credit cards in India. However, over the last few years, acceptance has increased a lot and you will hardly find any merchant who accepts Visa credit card but not Diners Club cards in India.

So, if you are a traveller but do not want to go through the complicated game of airmiles and hotel points redemption, this is an ideal choice.

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(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 23600
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
4%
Accelerated Reward Rate
10%
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 23600
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
4%
Accelerated Reward Rate
10%
Full Details
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 14160
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
3%
Accelerated Reward Rate
36%
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 14160
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
3%
Accelerated Reward Rate
36%
Full Details
(4.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 14749
Renewal fee
(INR including GST)
₹ 14749
Base Reward Rate
3%
Accelerated Reward Rate
36%
(4.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 14749
Renewal fee
(INR including GST)
₹ 14749
Base Reward Rate
3%
Accelerated Reward Rate
36%
Full Details
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
Full Details
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
Full Details
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 14750
Renewal fee
(INR including GST)
₹ 14750
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 14750
Renewal fee
(INR including GST)
₹ 14750
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
Full Details

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

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HDFC Diners Black Metal Edition Credit Card

HDFC Diner Club Black Credit Card – Metal Edition

(4.6/5)