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HDFC Bank Diners Club Black Metal Edition Credit Card
92/100
HDFC Bank
A metal premium card that pairs unlimited lounge access with strong SmartBuy travel value.
Credwiser Score 92/100

HDFC Bank Diners Club Black Metal Edition Credit Card

HDFC Bank • A metal premium card that pairs unlimited lounge access with strong SmartBuy travel value.

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This is HDFC Bank's flagship metal travel and lifestyle card, built around Reward Points that are worth up to ₹1 each on SmartBuy flight and hotel bookings. It adds unlimited lounge access, weekend dining bonuses and quarterly milestone points for very high spenders. The ₹10,000 fee is steep, so it suits households that can cross the ₹8,00,000 annual waiver mark.

Annual Fee (+ 18% GST)₹10,000 (₹11,800 incl. GST)
Fee Waiver₹8,00,000 annual spend
Joining PerkComplimentary Club Marriott, Amazon Prime and Swiggy One annual memberships on spending ₹1,50,000 within the first 90 days
Primary Reward5 Reward Points per ₹150 on everyday spends, up to 10X Reward Points on SmartBuy, redeemable at up to ₹1 per point on SmartBuy flights and hotels
Airport Lounge AccessUnlimited Domestic and International Lounge visits for primary and add-on cardholders across 1,300+ lounges in India and abroad
Forex Markup2% + 18% GST
RuPay UPINo
Best ForHigh spenders who travel often and can use premium memberships and golf benefits

What We Like

  • Unlimited domestic and international lounge access for primary and add-on members
  • Points redeem at up to ₹1 each on SmartBuy flights and hotels
  • Welcome memberships and 10,000 bonus points on ₹4,00,000 quarterly spends

Watch Out

  • High ₹10,000 annual fee needs heavy spending to justify
  • Best point value needs SmartBuy travel redemption, cashback value is much lower
  • Diners Club acceptance is narrower than Visa or Mastercard in India

MITC & Hidden Charges

18% GST applies to annual fee (Total ₹11,800). Foreign currency transaction fee is 2% plus GST. Other charges as per the issuer's MITC.

HDFC Bank Diners Club Black Metal Edition Credit Card FAQs

What is the annual fee of the Diners Club Black Metal card?

The joining and renewal fee is ₹10,000 plus taxes, so ₹11,800 in total. It is waived if you spend ₹8,00,000 or more in a year.

Does this card give unlimited lounge access?

Yes. Primary and add-on cardholders get unlimited access to 1,300+ lounges in India and abroad, as listed on the official product page.

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