HDFC Bank Diners Club Black Metal Credit Card
Diners ClubInvite OnlyHDFC Diners Club Black Metal is a super-premium metal card with unlimited lounge access, golf privileges, and 5 Reward Points per ₹150.
Welcome Benefit
10,000 welcome Reward Points on joining fee payment.
Estimated value: ₹10,000
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹10,000 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: HDFC Reward Points (SmartBuy) (points) · 1 point = ₹0.5
| Category | Earn Rate |
|---|---|
| All Other Retail | 5 Reward Points per ₹150 on all other retail |
| Dining/Hotels/Airlines | 2X Reward Points on dining, hotels, and airline spends |
| SmartBuy | 10X Reward Points on SmartBuy |
No capping on base reward earning.
Points expire after 36 months
Milestone Benefits
Earn 10,000 bonus Edge Miles / Reward Points every quarter on spending ₹1.5 lakh. Redeemable against flight tickets or transferred to airline programs.
Value: ₹5,000
Must be an active cardholder. Bonus credited within 30 days of quarter end.
Lounge Access
Unlimited Priority Pass lounge access worldwide.
Unlimited Diners Club lounge access globally.
Travel Benefits
Complimentary hotel upgrades at partner properties. Early check-in and late check-out at IHG and Marriott properties upon availability. Dedicated travel desk for itinerary planning.
✓ Air miles conversion available
✓ Airport meet & greet
5–10% additional discount on flight and hotel bookings made through the bank's travel portal (SmartBuy / Yatra / MakeMyTrip).
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Movie / Entertainment Offers
Buy-one-get-one free or flat discount on movie tickets via BookMyShow / PVR / INOX. Typically up to 2 tickets per month.
via BookMyShow / PVR / INOX
Value: ₹2,400
Complimentary Golf Rounds
Complimentary golf rounds per month at premium golf courses in India. Green fee waived for cardholder.
via DLF Golf & Country Club / Karnataka Golf Association and partner courses
Value: ₹18,000
24/7 Premium Concierge
Round-the-clock dedicated concierge service for travel bookings, restaurant reservations, event tickets, gift sourcing, and emergency assistance worldwide.
via HDFC Bank Concierge
Insurance Cover
travel_insurance
Complimentary air accident cover of ₹1.5 Cr on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹1.5 Cr air accident cover
purchase_protection
Purchase protection insurance covers eligible purchases made on the card against accidental damage or theft within 90 days from the date of purchase.
₹1,00,000 per claim
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Zero forex markup on international transactions. Dynamic currency conversion (DCC) charges apply at 1% when merchant charges in INR.
Eligibility
Invite-only. Minimum income: ₹2,50,000+ per month (salaried) or ₹15,00,000+ p.a. ITR. Age: 21–65 years.
Editor Rating
Pros
- + Strong air miles earning rate
- + Lounge access at major airports
- + Miles transferable to airline programs
Cons
- – High annual fee
- – Benefits require significant spend to be cost-effective
- – Miles have expiry dates
The HDFC Bank Diners Club Black Metal Credit Card is a premium credit card from HDFC Bank tailored for travel enthusiasts with miles earning and lounge access. At ₹10,000/year, the card is best suited for high spenders who can leverage its premium benefits.