HDFC Diners Club Black Metal

by HDFC • Diners Club

Complete Benefits & FAQs

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“One of HDFC's flagship super-premium cards. Best SmartBuy redemption value at 1 RP = ₹1 (vs ₹0.30 for lower-tier cards). The 75K RP/cycle cap means max ~₹22.5L spend benefits per cycle. Unlimited lounge access for primary + add-on is a standout feature. Welcome benefits require ₹1.5L spend in 90 days. Foreign currency markup of 2% is standard but note the additional 1% dynamic conversion fee. Airmiles conversion was nerfed in Jan 2024 (2 RP = 1 point for Turkish/Accor/Avianca).”

Fee Waiver: Spend ₹8,00,000 in 12 months to get renewal fee waived for next renewal year

Best suited for

🎯 Premium travelers (unlimited international lounge access)🎯 High spenders (₹4L+/quarter for milestone bonus)🎯 Golf enthusiasts (6 free games/quarter)🎯 Airmiles collectors (1:1 conversion)🎯 Users wanting best SmartBuy redemption value

Welcome & Onboarding Perks

•Annual memberships of Club Marriott, Amazon Prime and Swiggy One — on ₹1,50,000 spends within first 90 days of card issuance

Spend Milestone Rewards

🎯 Spend: ₹4,00,000 or more in a calendar quarter10,000 Bonus Reward Points
Calendar quarters: Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec
🎯 Spend: ₹8,00,000 in 12 monthsRenewal fee waived for next renewal year
Track via: Visit https://offers.smartbuy.hdfcbank.com/v2/foryou → Click on Diners Club Benefits → Diners Club Black Metal Milestones → Check Welcome Benefits

Airport Lounge Privileges

DomesticUnlimited complimentary access for primary and add-on card members

InternationalUnlimited complimentary access for primary and add-on card members

Total Lounges1,300+ lounges in India and abroad

How to locate: Domestic list on HDFC website | International list on Diners Travel Tool App

Dining Offers

•2X Reward Points on weekend dining at participating restaurants

Lifestyle Benefits

✓2X Reward Points on weekend dining at participating restaurants
✓6 complimentary golf games per quarter at finest courses worldwide
✓Exclusive 24x7 Concierge services
✓Tailor-made offers on workspaces, business, insurance and wellness discounts

Reward Rates

SmartBuy Spendscap ₹10,000/month

up to 33.3%

Weekend Dining

up to 6.6%

All Spends (Base Rate)

up to 3.3%

Reward Exclusions

No Rewards On:

•Fuel spends
•EasyEMI transactions
•E-wallet loading
•Education (select merchants)
•Rent payments and government related transactions (effective Jan 2023)
•SmartEMI/Dial-an-EMI (RPs reversed if retail txn converted to SmartEMI)

Surcharges & Waivers

Forex Markup2% on all foreign currency spends (billed within 60 days, conversion rate as on settlement date)

Fuel Surcharge Waiver

Waiver %1%

Cap / cycleNo cap

Eligibility Requirements

Salaried

AgeMinimum 21 years, Maximum 60 years

IncomeNet Monthly Income > ₹2,50,000

Self-Employed / Business

AgeMinimum 21 years, Maximum 65 years

IncomeNet Income > ₹30,00,000 per annum

Key Highlights

✓Metal edition card

✓EMI conversion facility (SmartEMI / Dial-an-EMI)

✓Add-on cards available (also get unlimited lounge access)

✓Contactless payments enabled

✓Revolving credit at nominal interest rate

Frequently Asked Questions

Ready to apply for HDFC Diners Club Black Metal?

Annual fee: ₹10,000 + GST

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