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Premium · Diners Club Black Metal

DinersClub

Premium credit

HDFC Diners Club Black Metal Edition Credit Card

Name: HDFC Diners Club Black Metal Edition Credit Card
Brand: HDFC Bank
Price: 10000 INR
Availability: InStock

HDFC Bank

Premium travel & rewards with unlimited lounge access and air miles transfer

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Annual Fee

₹10,000

Joining Fee

₹10,000

Reward Rate

3.3%

Forex Markup

Value Analysis

Annual Net Value

₹1,38,200

Total Annual Benefits

₹1,50,000

Total Annual Charges

₹11,800

ROI

1171%

Fee Waiver Available

Annual fee waived on spending ₹8 Lakh in the preceding year — ₹8,00,000 annual spend

Card Analytics

Visual breakdown of value, benefits, and limits

Value Breakdown

Benefits Distribution

Transaction Limits

Card Scorecard

Charges Breakdown

Benefits & Perks

Airport Lounge Access (1)

Unlimited Domestic & International Lounge Access

Unlimited complimentary airport lounge visits worldwide for primary + add-on cardholders

Unlimited

₹1,82,000/yr

Travel Benefits (2)

Complimentary Memberships

Club Marriott, Amazon Prime, Times Prime, MMT BLACK Elite Tier, 3-month Swiggy One

• On spending ₹1.5L in 90 days or fee realization

₹25,000+ value

₹25,000/yr

Fast Track Airport Services

Priority check-in and baggage assistance at select airports

Included

Golf Privileges (1)

Complimentary Golf Games

6 complimentary golf games per quarter at select courses

• At select golf courses

24 rounds/year

₹1,20,000/yr

Reward Points (1)

5 Reward Points per ₹150

On all retail spends including insurance, utilities, education

• Up to 10X on SmartBuy

5 RP per ₹150

Concierge Services (1)

24/7 Concierge Service

Dedicated concierge for travel, dining, entertainment

Included

Reward Program

Program

HDFC Reward Points

5 RP per ₹150

Effective cashback: 3.33%

Points expire: 2 years from date of accrual

Redemption Options

→ Flights & Hotels via SmartBuy (1 RP = ₹1)
→ Air Miles — 1:1 transfer (SpiceClub, AirAsia, Flying Blue, IHG, Wyndham)
→ Products & Vouchers (1 RP = up to ₹0.50)
→ Cashback (1 RP = ₹0.30)

Bonus Categories

SmartBuy

10x multiplier

Up to 10X on SmartBuy platform

Milestone Bonuses

2 monthly vouchers worth ₹500 on spending ₹80,000/month (cult.fit/BMS/TataCLiQ/Ola)

Spend ₹80,000 monthly

₹500 vouchers x2

Annual fee waiver + membership renewals on spending ₹8 Lakh annually

Spend ₹8,00,000 annually

Annual fee waiver + memberships

Fees & Charges

Charge	Amount
Joining Fee	₹10,000 Excluding GST
Annual Fee	₹10,000 Excluding GST

Transaction Charges

Forex Markup: 2%
Interest Rate (Monthly): 1.99%
Late Payment Fee: ₹1,300
Cash Advance Fee: 2.5%

ATM Charges

Own Bank Withdrawal: ₹250
Other Bank Withdrawal: ₹250
Intl. Withdrawal Fee: 2.5% + ₹250

Fuel Surcharge Waiver

1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹1,000/cycle.

Eligibility

Requirements

Min. Monthly Income: ₹2,50,000
Min. Annual Income: ₹30,00,000
Min. Credit Score: 750
Age Range: 21 – 60 years
Employment: Salaried, Self-Employed

Notes

• Salaried: Gross Monthly Income > ₹2.5 Lakh
• Self-Employed: ITR > ₹30 Lakh p.a.

Insurance Coverage

Accidental Death

₹2.0 Cr

Permanent Disability

₹2.0 Cr

Travel Insurance

₹50.0 L

Lost Card Liability

₹9.0 L

Report within 24h

Air Accident Cover

₹2.0 Cr

• Air accident cover: ₹2 Crore
• Emergency hospitalization: ₹50 Lakh
• Credit liability cover: ₹9 Lakh
• Baggage delay cover: ₹55,000

Airport Lounge Access

Domestic

-1 visits/year

Unlimited

~₹2,500/visit

International

-1 visits/year

Unlimited

~₹3,500/visit

Priority Pass Dreamfolks

• Unlimited for primary + add-on cardholders

Transaction Limits

ATM Withdrawal / Day

₹50,000

POS & E-Commerce / Day

₹5,00,000

Contactless / Txn

₹5,000

Features

Metal card construction Contactless payments Global Diners Club acceptance SmartBuy 10X rewards Air miles 1:1 transfer Priority check-in at airports

EMI Options

Min. Transaction

₹2,500

Interest / Month

1.5%

Tenure Options

3, 6, 9, 12, 18, 24 months

Processing Fee

Ready to Apply?

The HDFC Diners Club Black Metal Edition is a premium credit card offering unlimited domestic and international lounge access, complimentary Club Marr...

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HDFC Diners Club Black Metal Edition Credit Card

Value Analysis

Card Analytics

Value Breakdown

Benefits Distribution

Transaction Limits

Card Scorecard

Charges Breakdown

Benefits & Perks

Reward Program

Fees & Charges

Transaction Charges

ATM Charges

Fuel Surcharge Waiver

Eligibility

Requirements

Notes

Insurance Coverage

Airport Lounge Access

Domestic

International

Transaction Limits

Features

EMI Options

Ready to Apply?

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