HDFC Bank Diners Club Black Metal Edition Credit Card

HDFC Bank · Open to apply

HDFC's metal Diners Club card for heavy spenders. It earns 5 reward points per ₹150, 10X on SmartBuy hotels and 5X on SmartBuy flights, adds 10,000 points for every ₹4 lakh spent in a quarter, and gives unlimited lounge access and golf, for a ₹10,000 fee waived at ₹8 lakh.

Annual fee
₹10,000 + GST a year
Joining fee
₹10,000 + GST
Fee waiver
Annual fee waived on ₹8,00,000 spend per card year
Base rate
Retail spends: 5 Reward Points per ₹150 (about 1% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy hotels, 10X (45 bonus points per ₹150 on top of the base): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • SmartBuy at IGP, Jockey and PharmEasy, 10X (45 bonus points per ₹150): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • SmartBuy flights, 5X (20 bonus points per ₹150): 20 Reward Points per ₹150 on top of the base rate (about 4% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar and MakeMyTrip holiday packages, 5X (20 bonus points per ₹150): 20 Reward Points per ₹150 on top of the base rate (about 4% at cash value)
  • SmartBuy at Apple (Imagine Tresor) and ConfirmTkt train tickets, 3X (10 bonus points per ₹150): 10 Reward Points per ₹150 on top of the base rate (about 2% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rent and property management, or on government payments (from 1 January 2023)
  • No points on wallet loads
  • No points on EasyEMI, Smart EMI or Dial an EMI
  • No points on online skill-based gaming (from 1 July 2025)
  • No points on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • Swiggy One membership length in the welcome benefit: The T&C (1 June 2026) and the product page body say annual memberships. The product page's savings calculator says "Swiggy One (3 months)". The T&C is used.
  • rent payment fee: The fees FAQ says 1% capped at ₹3,000. The MITC v4.15 says 1% capped at ₹4,999 a transaction from 1 July 2025. The MITC is used (issuer file).

Terms the calculator does not value

  • The Global Value Program (₹199 + GST a year, optional): 500 bonus points on the first international transaction, 1% cashback on international spend up to ₹1,000 a statement cycle and a ₹2,000 travel voucher on ₹1,50,000 of international spend a year. It is a paid feature, so it is left out of the value; the 2% (Diners Black Metal) or standard foreign currency markup still applies.
  • 2X reward points on weekend dining: 10 points per ₹150 (a bonus of 5 on top of the base) at standalone restaurants (MCC 5812, 5813, 5814) on Saturdays and Sundays, paid directly with the card, minimum ₹150 a transaction. The calculator has no day of the week, so dining is valued at the base rate.
  • Airmile conversion is "up to 1 airmile per point" on SmartBuy. HDFC's Diners Black documents do not list partners or ratios, and the Infinia 2-to-1 partner conversions (Turkish, Accor, Avianca) are not stated for this card, so no transfer option is entered.
  • The welcome memberships (Club Marriott, Amazon Prime, Swiggy One) have no value stated by HDFC, so the first-year total leaves them out. Memberships unlock within 48 hours and must be downloaded within 90 days after the welcome period ends.
  • SmartBuy accelerated points apply only to purchases made through the SmartBuy portal and only if the calculator's portal option is on. The caps are read as limits on the accelerated (bonus) points; HDFC does not say whether the base points count. Weekly SmartBuy deals and other instant discounts are separate and not entered.
  • The 2.5% (minimum ₹550) over-limit charge is inferred from the MITC exclusion list, which names only Infinia and the PhonePe cards; no document states it for this card.

Sources

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