HDFC Bank
HDFC Diners Club Black METAL Credit Card
Unlock luxury with the HDFC Diners Club Black Metal Edition Credit Card. Enjoy premium rewards, unlimited lounge access, and exclusive benefits for travelers.
Highlights
Main benefits
- Unlimited domestic & international airport lounge access.
- Up to 10X rewards on SmartBuy.
- 5 Reward Points per ₹150 spent.
- Complimentary Amazon Prime, Swiggy One & Club Marriott memberships.
- 6 complimentary golf games per quarter.
- Low forex markup of 2%.
Fees
Fees and charges
Joining fee
₹10,000/- plus Applicable Taxes
Renewal fee
₹10,000/- plus Applicable Taxes
Annual fee waiver
Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year.
Who can apply
Eligibility
- Age: 21–60 years (salaried), 21–65 years (self-employed)
- Salaried income: ₹2.5 lakh+ net monthly income
- Self-employed: ₹30 lakh+ annual ITR
- Good credit score and strong repayment history required.
Checklist
Documents required
- PAN Card
- Aadhaar/Passport/Voter ID/Driving License
- Passport size photo
- Address proof
- Salary slips or ITR
- Bank statement (if required)
Process
How to apply
1. Visit the official HDFC credit card website.
2. Check eligibility.
3. Fill mobile number, PAN, and income details.
4. Upload required documents/KYC.
5. Submit application.
6. After verification and approval, the card is delivered to your address.
Value
Reward and cashback structure
Reward rate
Base rewards: 5 Reward Points per ₹150 spent (~3.3% value back),
SmartBuy bookings: Up to 10X rewards on hotels/flights, Weekend dining: 2X reward points.
Cashback
Cashback redemption value: around ₹0.30 per point against statement balance.
Good fit
Pros
- Excellent reward rate for travel and online spending.
- Premium travel & lifestyle benefits.
- Strong lounge access for primary and add-on users.
- Good air miles and hotel redemption value.
Watchouts
Cons
- High annual fee of ₹10,000 + GST.
- Diners Club acceptance can be limited at some offline/international merchants.
- Best value only for high spenders.
Related
Related cards
Compare
Compare Cards
| Field | HDFC Diners Club Black METAL Credit Card | IndianOil RBL Bank XTRA Credit Card |
|---|---|---|
| Bank/provider | HDFC Bank | RBL Bank |
| Joining fee | ₹10,000/- plus Applicable Taxes | ₹1,500 + GST |
| Renewal fee | ₹10,000/- plus Applicable Taxes | ₹1,500 + GST |
| Best for | Luxury travel, airport lounge access, and maximum reward points on high spending |
|
| Reward rate |
|
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| Cashback | Cashback redemption value: around ₹0.30 per point against statement balance | Up to 250 litres of free petrol annually |
| Lounge access | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members | No lounge access |
| Fuel surcharge waiver | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
|
| Welcome benefit | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days | Get 3,000 Fuel Points (worth about ₹1,500) after paying the joining fee and completing the first eligible transaction within 30 days |
| Annual fee waiver condition | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year | Annual fee is waived on spending ₹2.75 lakh or more in a year |
| Eligibility |
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| Apply link | Apply | Apply |