Diners Club Black Metal Edition Credit Card
A Diners Club metal card with a ₹10,000 fee: unlimited lounge access in India and abroad, 6 golf games a quarter, 10,000 bonus points on ₹4 lakh of quarterly spend and a 2% forex markup; HDFC Bank does not state its base reward rate in its own documents. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: a base reward rate for other spends. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹10,000 plus GST Fee schedule |
|---|---|
| Annual fee | ₹10,000 plus GST Fee schedule |
| Annual fee waiver | On ₹8,00,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 2% of the transaction, plus GST Product page |
Rewards
Reward points, ₹1 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|
Points accrue on multiples of ₹150, up to 75,000 points a statement cycle; points are valid for 3 years. The base earn rate is not stated on the product page, the fees page, the card terms or the MITC, so no base rule is recorded.
No rewards on
Benefits
- Lounges: Unlimited lounge access at 1,300+ lounges in India and abroad, primary and add-on cardholders Product page
- Welcome: Annual Club Marriott, Amazon Prime and Swiggy One memberships on ₹1.5 lakh of spend in the first 90 days Terms
- Milestone: 10,000 bonus reward points on ₹4 lakh of spend in a calendar quarter Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 2X points on weekend dining: 10 points per ₹150 at standalone restaurants on Saturdays and Sundays Terms
- Up to 10X reward points on SmartBuy Product page
- 6 complimentary golf games every quarter Product page
- 24x7 concierge Product page
- Air accident insurance of ₹2 crore Product page
- 2% markup on foreign currency spends Fee schedule
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: net monthly income above ₹2.5 lakh Product page
- Self-employed: net income above ₹30 lakh a year Product page
Not published by HDFC Bank in the documents read
- a fuel surcharge waiver for this card
- a firm statement-credit value for a reward point (only "up to ₹0.30")
- a RuPay variant for UPI
Where HDFC Bank’s documents differ, and what is used
- The weekend-dining terms describe 2X as "10 Reward points per Rs. 150", which implies a 1X rate of 5 points per ₹150, but no HDFC Bank document for this card states that base rate, so it is not recorded.
The quotes behind the figures
34 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee: ₹10,000 plus Applicable Taxes”
“Renewal Fee: ₹10,000 plus Applicable Taxes”
“Fee Waiver: Spend ₹8 lakh or more in a year before the renewal date to get the renewal fee waived.”
“Foreign Currency Markup 2% on all your foreign currency spends.”
“SmartBuy (Flight and hotel bookings) ₹1”
“Reward Points shall not be eligible for select Merchant category following spends on the card, o Fuel Spends o Cash Advances o Payment of Outstanding Balances o Payment of card fees and other charges o Smart EMI / Dial an EMI transaction.”
“Rent payments will not earn Reward Points/CashPoints on all the cards.”
“Government related transactions will not earn Reward Points/CashPoints on all the cards except BizBlack Metal Card”
“b. EasyEmi and e-wallet loading transaction will not accrue Reward Points.”
“Education payments made through third- party apps like (but not limited to) CRED, Cheq, MobiKwik, etc will not earn Reward Points.”
“Joining/Renewal Membership Fee - ₹10,000/- plus Applicable Taxes .”
“The dynamic currency conversion markup fee for the HDFC Bank Diners Club Black Metal Edition Credit Card is 2% on all foreign currency spends.”
“Cashback up to ₹0.30”
“Reward Points can be redeemed up to 70% of the booking value for Flights and Hotel booking. The remaining amount will have to be paid via Credit Card.”
“For Infinia / Infinia Metal, Diners Black / Diners Black Metal and Biz Black Cards, Reward Points are earned on transactions amounts in multiple of 150, residual amounts or transactions below 150 will not earn Reward Points.”
“The maximum reward points that can be earned in a statement cycle for Diners Black Metal Edition, Diners Black Card is 75,000.”
“With effect from 1st July 2025, Reward Points accrued for insurance transactions will have a maximum cap of 10,000 per Month for Infinia, Infinia (Metal Edition), 5,000 per month for Diners Black Metal Edition, Diners Black, BizBlack Metal Cards and 2000 per month for all other credit cards.”
“Get 10,000 reward points upon spending Rs. 4,00,000 or more in a calendar quarter”
“For Infinia/Infinia (Metal Edition)/ Diners Black Metal Edition/ Diners Black/ BizBlack Metal Cards, the Reward points will be valid for 3 years from the date of card upgrade/migration, replacement, renewal or re-issuance,”
“Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members.”
“Complimentary Annual Memberships of Club Marriott, Amazon Prime & Swiggy One on achieving net retail spends of Rs 1,50,000 within 90 days of card issuance”
“Get 10,000 Bonus Reward Points on spends of ₹ 4 lakhs every calendar quarter.”
“2X Reward Points i.e. 10 Reward points per Rs. 150 spend at standalone restaurants during weekend - Saturday and Sunday”
“Up to 10X Reward Points on spending via SmartBuy . Redeem up to 70% of booking value through Reward Points”
“6 Complimentary Golf games every quarter across the finest courses in the world”
“Exclusive 24x7 Concierge services”
“Air accident insurance worth ₹2 crore”
“Age: 21 - 60 years”
“Age: 21 - 65 years”
“Nationality: Indian”
“Net Income (Monthly) > ₹2.5 lakh per month”
“Net Income > ₹30 lakh per annum”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
“Diners Club Black METAL Credit Card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology