← Part of HDFC Credit Cards in India
The HDFC Diners Club Black Metal Edition Credit Card is a top-tier offering in India, recognized by CardMaven as one of the best premium credit cards for rewards and travel benefits in 2026. IT offers a 3.33% base reward rate and up to 10X points on SmartBuy, catering to high-net-worth individuals.
| Parameter | Details |
|---|---|
| Card Type | Ultra-premium credit card |
| Target Audience | High-net-worth individuals, frequent travelers, high domestic spenders, those valuing luxury privileges |
| Joining Fee | ₹10,000 + GST (waivable on spending ₹8 lakhs in a card anniversary year) |
| Annual Fee | ₹10,000 + GST (waivable on spending ₹8 lakhs in a card anniversary year) |
| Renewal Charge | ₹10,000 plus applicable taxes |
| Base Reward Rate | 5 reward points on every ₹150 spent across retail categories (3.33% value back) |
| Accelerated Rewards | Up to 10X reward points on purchases through HDFC Bank’s SmartBuy platform |
| Lounge Access | Unlimited airport lounge access to 1300+ lounges worldwide for primary and add-on card members |
| Golf Privileges | 6 complimentary golf games per quarter at select premium golf courses worldwide |
| Finance Charges | 1.99% per month (23.88% annually) on revolving credit and cash advances, from transaction date |
| Interest-Free Period | Up to 50 days from the date of purchase |
| Minimum Payment | 5% of total outstanding balance or ₹200, whichever is greater, including taxes and fees |
| Fuel Surcharge Waiver | Removed on the Metal Edition (offered on older plastic Diners Club Black) |
| Payment Return Charges | 2% or ₹450 per instance, whichever is higher |
| Rent Payment Fee | 1% of transaction amount, maximum ₹3,000 |
| Air Accident Coverage | ₹1 crore |
| Emergency Medical Coverage | Up to ₹25 lakh |
| Credit Liability Coverage | ₹9 lakh |
| Travel Insurance Coverage | Up to ₹55,000 |
| Transfer Bonus Promotions | Up to 75% with partners like Etihad Guest, British Airways, United MileagePlus, IHG, Club ITC |
| Swiggy Dineout Discount | Up to 10% (maximum ₹400, twice monthly) |
| Airtel Bill Payments Cashback | 25% on Mobile, Broadband, Wi-Fi, DTH via Airtel Thanks App |
| Utility Bill Payments Cashback | 10% on electricity, gas, water via Airtel Thanks App |
| Online Transactions Value Back | 10% on Zomato, Blinkit, District Movies (minimum order ₹499) |
| Global Value Program | 1% cashback on eligible international spends |
The card’s full benefits, particularly its high reward rate and extensive travel perks, position IT as a strong competitor to other premium cards like HDFC Infinia and Axis Magnus in the Indian market for 2026.
HDFC Diners Club Black Metal Edition Credit Card in India
The HDFC Diners Club Black Metal Edition Credit Card is an ultra-premium offering in India, designed for high-spenders and frequent travelers. IT provides extensive travel benefits, including unlimited access to over 1300 airport lounges worldwide, and a strong rewards program with up to 10X points on SmartBuy purchases (as of 2026).
| Type/Category | Details | Key Feature |
|---|---|---|
| Credit Card | HDFC Diners Club Black Metal Edition Credit Card | Ultra-premium offering, best for India-based high spenders maximizing SmartBuy portal, regular travelers, and those valuing luxury privileges. |
| Joining Fee | ₹10,000 + GST | Waived on spending ₹8 lakh or more in a card anniversary year. |
| Annual Fee | ₹10,000 + GST | Waived on spending ₹8 lakh or more in a card anniversary year. |
| Renewal Charge | ₹10,000 plus applicable taxes | Waived on spending ₹8 lakh or more in a card anniversary year. |
| Finance Charges (Revolving Credit & Cash Advances) | 1.99% per month (23.88% annually) | Applied from the transaction date until full payment. |
| Minimum Payment | 5% of total outstanding balance or ₹200 (whichever is greater) | Includes taxes and fees. |
| Payment Return Charges | 2% or ₹450 per instance (whichever is higher) | Applied for returned payments. |
| Rent Payment Fee | 1% of the transaction amount | Maximum charge of ₹3,000 per transaction. |
| Fuel Surcharge Waiver | Removed for the Metal Edition | Older plastic Diners Club Black card offered this feature. |
| Standard Reward Rate | 5 reward points on every ₹150 spent | Equivalent to a 3.33% reward rate across all retail categories. |
| SmartBuy Platform Rewards | Up to 10X reward points | Applicable on purchases made through HDFC Bank’s SmartBuy platform. |
| Airport Lounge Access | Unlimited access to 1300+ lounges | Available worldwide for primary and add-on card members. |
| Complimentary Golf Games | 6 per quarter | Includes 24-hour Golf Concierge Assistance Service. |
| Dining Benefits | Up to 10% off on Swiggy Dineout | Maximum discount of ₹400, twice each month. |
| Transfer Bonus Promotions | Up to 75% transfer bonuses (recent campaigns) | Partners include Etihad Guest, British Airways, United MileagePlus, IHG, and Club ITC. |
| Interest-Free Credit Period | Up to 50 days | Calculated from the date of purchase. |
| Card Acceptance | Not as widely accepted as Visa or Mastercard | May cause inconvenience internationally or on select online platforms. |
This card is positioned as an elite premium offering, providing significant value for users who use its travel, dining, and SmartBuy benefits, despite its higher fees and limited acceptance compared to other networks.
HDFC Diners Club Black Metal Edition Credit Card in India
The HDFC Diners Club Black Metal Edition Credit Card is an ultra-premium offering in India, designed for high-net-worth individuals and frequent travelers. As of 2026, IT provides extensive rewards, travel benefits, and luxury privileges, positioning IT as a strong alternative to the invite-only HDFC Infinia card.
| Metric | Value | Source |
|---|---|---|
| Card Type | Ultra-premium, Metal Edition | HDFC Diners Club Black Metal Edition Credit Card Review 2026 |
| Target Audience | High-net-worth individuals, regular travelers, high spenders maximizing SmartBuy portal | HDFC Diners Club Black Metal Edition Credit Card Review 2026 |
| Joining Fee | ₹10,000 + GST | HDFC Bank Official Website (as of 2026) |
| Annual Fee | ₹10,000 + GST | HDFC Bank Official Website (as of 2026) |
| Annual Fee Waiver Criteria | Spend ₹8 lakhs in a card anniversary year | HDFC Bank Official Website (as of 2026) |
| Reward Points Earning (Standard) | 5 reward points on every ₹150 spent across retail categories | HDFC Bank Official Website (as of 2026) |
| Reward Points Earning (SmartBuy) | Up to 10X reward points on purchases through HDFC Bank’s SmartBuy platform | HDFC Bank Official Website (as of 2026) |
| Reward Points Monthly CAP | 75,000 reward points | HDFC Diners Club Black Metal Edition Credit Card Review 2026 |
| Reward Points Validity | 3 years from the date earned | HDFC Diners Club Black Metal Edition Credit Card Review 2026 |
| Lounge Access | Unlimited airport lounge access to 1300+ lounges in India and worldwide for primary and add-on card members | HDFC Bank Official Website (as of 2026) |
| Interest-Free Credit Period | Up to 50 days from the date of purchase | HDFC Bank Official Website (as of 2026) |
| Finance Charges (Revolving Credit & Cash Advances) | 1.99% per month (23.88% annually) | HDFC Bank Official Website (as of 2026) |
| Fuel Surcharge Waiver | Removed on Metal Edition (present on older plastic Diners Club Black) | CardMaven (2026) |
| Acceptance Issues | Not as widely accepted as Visa or Mastercard, particularly outside India and on some online platforms | HDFC Diners Club Black Metal Edition Credit Card Review 2026 |
| Complimentary Golf Games | 6 complimentary golf games in a quarter | HDFC Bank Official Website (as of 2026) |
| Dining Benefits | Up to 10% off on restaurant payments through Swiggy Dineout (Max discount ₹400 twice each month) | HDFC Bank Official Website (as of 2026) |
| EMI Option | Option to convert big spends into EMI after purchase | HDFC Bank Official Website (as of 2026) |
| Payment Return Charges | 2% or ₹450 per instance, whichever is higher | HDFC Bank Official Website (as of 2026) |
| Rent Payment Fee | 1% of the transaction amount, with a maximum charge of ₹3,000 | HDFC Bank Official Website (as of 2026) |
| Air Accident Coverage | ₹1 crore | HDFC Bank Official Website (as of 2026) |
| Emergency Medical Expenses Coverage | Up to ₹25 lakh | HDFC Bank Official Website (as of 2026) |
| Credit Liability Coverage | ₹9 lakh | HDFC Bank Official Website (as of 2026) |
| Travel Insurance Coverage | Up to ₹55,000 | HDFC Bank Official Website (as of 2026) |
| Transfer Bonus Promotions | Up to 75% with partners like Etihad Guest, British Airways, United MileagePlus, IHG, Club ITC | CardMaven (2026) |
The card’s extensive benefits, particularly for travel and rewards via the SmartBuy platform, make IT a strong contender for premium card users in India.
How HDFC Diners Club Black Metal Edition Credit Card in India Works
The HDFC Diners Club Black Metal Edition Credit Card offers a 3.33% reward rate on all spends, making IT a top-tier premium card in India. Cardholders can access over 1300 airport lounges globally, a key benefit for frequent travelers.
This card focuses on high-value rewards and exclusive lifestyle privileges, including accelerated points on the SmartBuy platform.
- Reward Point Earning: Cardholders earn 5 reward points for every ₹150 spent across most retail categories. This standard rate provides a solid base for accumulating points.
- SmartBuy Accelerator: Purchases made through HDFC Bank’s SmartBuy platform can yield up to 10X reward points. This significantly boosts earning potential for online shopping and travel bookings.
- Lounge Access: The card provides unlimited complimentary access to over 1300 airport lounges worldwide for both primary and add-on card members. This includes extensive coverage in India and internationally.
- Golf Privileges: Members receive 6 complimentary golf games per quarter at select golf courses. This benefit caters to individuals who enjoy premium lifestyle activities.
- Interest-Free Period: An interest-free credit period of up to 50 days is available from the date of purchase. This allows for greater financial flexibility on card transactions.
- Transfer Bonus Promotions: HDFC Bank frequently offers transfer bonus promotions for DCB Metal users, with recent campaigns providing up to 75% bonuses with partners like Etihad Guest and British Airways. These the value of reward points.
- Dining Benefits: Cardholders can get up to 10% discount on restaurant payments through Swiggy Dineout, with a maximum discount of ₹400 twice each month. This offers savings on dining experiences.
- Fuel Surcharge: The fuel surcharge waiver benefit, previously available on the plastic Diners Club Black card, has been removed for the Metal Edition. A charge of about 3.5% may apply if the POS terminal is not HDFC.
The HDFC Diners Club Black Metal Edition Credit Card is designed for high-spending Indian nationals seeking extensive travel, lifestyle, and reward benefits.
HDFC Diners Club Black Metal Edition Credit Card in India
The HDFC Diners Club Black Metal Edition Credit Card offers a strong rewards program, providing 5 reward points for every ₹150 spent across retail categories. Cardholders can also earn up to 10X reward points on purchases made through HDFC Bank’s SmartBuy platform, value for frequent online shoppers.
This premium card provides extensive travel benefits, including unlimited access to over 1300 airport lounges globally for both primary and add-on card members. IT also features exclusive transfer bonus promotions, with recent campaigns offering up to 75% bonuses with partners like Etihad Guest and British Airways.
- Reward Rate: The card offers a standard reward rate of 3.3% on all transactions, making IT competitive among premium cards in India.
- SmartBuy Benefits: Purchases made via HDFC Bank’s SmartBuy portal can yield up to 10X reward points, significantly boosting earning potential.
- Lounge Access: Primary and add-on card members receive unlimited complimentary access to over 1300 airport lounges worldwide.
- Golf Privileges: Cardholders enjoy 6 complimentary golf games per quarter, bookable via a dedicated 24-hour Golf Concierge Assistance Service.
- Dining Offers: Discounts of up to 10% (maximum ₹400, twice monthly) are available on restaurant payments through Swiggy Dineout.
- Fuel Surcharge: The fuel surcharge waiver benefit, previously offered on the older plastic Diners Club Black card, has been removed for the Metal Edition.
- Global Value Program: Eligible international spends qualify for 1% cashback under the Global Value Program.
The HDFC Diners Club Black Metal Edition Credit Card is positioned as a leading premium offering, particularly for high-spenders who use the SmartBuy portal and prioritize travel and luxury privileges.
HDFC Diners Club Black Metal Edition Credit Card in India
The HDFC Diners Club Black Metal Edition Credit Card is an ultra-premium offering in India, primarily focused on travel benefits and luxury privileges. As of 2026, IT is ranked among the best premium credit cards for rewards and SmartBuy benefits by CardMaven.
| Feature | HDFC Diners Club Black Metal Edition Credit Card in India | Alternative 1 (HDFC Infinia) | Alternative 2 (Axis Magnus) |
|---|---|---|---|
| Card Type | Ultra-premium, Metal Edition Credit Card | Invite-only premium card | Premium credit card |
| Primary Focus | Travel-centric benefits, rewards, SmartBuy benefits, luxury privileges | full premium benefits, high reward points | High reward points (but lower redemption value) |
| Joining Fee | ₹10,000 + GST | Not publicly specified (invite-only) | Not publicly specified |
| Annual Fee | ₹10,000 + GST (waivable on ₹8 lakh spend in anniversary year) | Not publicly specified (invite-only) | Not publicly specified |
| Reward Rate (Regular Spends) | 3.33% on every ₹150 spent | Higher reward rate (specifics vary) | Highest reward points (but low redemption value) |
| SmartBuy Rewards | Up to 10X reward points on SmartBuy platform purchases | Similar d rewards on SmartBuy | No direct SmartBuy integration |
| Lounge Access | Unlimited airport lounge access to 1300+ lounges worldwide (primary and add-on members) | Unlimited lounge access | Extensive lounge access |
| Global Acceptance | Limited acceptance compared to Visa/Mastercard outside India | Wider acceptance (Visa/Mastercard network) | Wider acceptance (Visa/Mastercard network) |
| Fuel Surcharge Waiver | Removed on Metal Edition (available on older plastic Diners Club Black) | Typically offered | Typically offered |
| Complimentary Golf Games | 6 complimentary games per quarter | Complimentary golf benefits | Complimentary golf benefits |
| Air Accident Coverage | ₹1 crore | High coverage | High coverage |
| Emergency Medical Coverage | Up to ₹25 lakh | High coverage | High coverage |
The HDFC Diners Club Black Metal Edition offers significant value for high-spenders who can use its travel and SmartBuy benefits, despite its limited global acceptance compared to other networks.
Common Misconceptions About HDFC Diners Club Black Metal Edition Credit Card in India
The HDFC Diners Club Black Metal Edition Credit Card is a premium offering, but several misunderstandings exist regarding its features and limitations. For instance, while IT offers extensive benefits, IT is not universally accepted like Visa or Mastercard, especially outside India.
Understanding these points helps cardholders maximize benefits and avoid potential inconveniences.
- Universal Acceptance: Diners Club cards are not as widely accepted globally as Visa or Mastercard. Cardholders may face occasional issues when traveling internationally or making online payments on certain platforms.
- Fuel Surcharge Waiver: The HDFC Diners Club Black Metal Edition Credit Card no longer offers a fuel surcharge waiver. This benefit was available on the older plastic Diners Club Black card but has been removed from the metal edition.
- Unlimited Rewards: While the card offers a high reward rate of 5 points per ₹150 spent and up to 10X points via SmartBuy, there is no unlimited reward points CAP. Older Diners Club Black cards had a 2,500-point CAP on certain categories.
- Free Card: The HDFC Diners Club Black Metal Edition Credit Card is not free. IT carries a joining fee and an annual fee of ₹10,000 + GST each, though these can be waived by spending ₹8 lakh in a card anniversary year.
- Exclusive to HDFC Bank Customers: While HDFC Bank offers many benefits through its SmartBuy portal, the Diners Club Black Metal Edition Credit Card is not exclusively for existing HDFC Bank customers. New applicants meeting the eligibility criteria can also apply.
These clarifications help potential and current cardholders manage expectations and use the card effectively.
What to Do Next: Actionable Steps
Applying for the HDFC Diners Club Black Metal Edition Credit Card in 2026 requires meeting specific income and age criteria. Salaried Indian nationals need a net monthly income exceeding ₹2.5 lakh, while self-employed individuals must show an annual income above ₹30 lakh as per their ITR.
Follow these steps to apply for the HDFC Diners Club Black Metal Edition Credit Card:
- Visit the official HDFC Bank website and to the “Credit Cards” tab.
- Locate and click on the “Diners Club Black Metal Edition” credit card option.
- Initiate the application process by clicking the “Apply Now” button.
- Complete the online application form with accurate personal and financial details.
- Submit required documents, including proof of identity such as PAN Card or Aadhaar card.
- Ensure you have a good credit score, as this is typically required for approval.
Key Takeaways
- The HDFC Diners Club Black Metal Edition Credit Card has a joining fee of ₹10,000 + GST and an annual fee of ₹10,000 + GST, which can be waived by spending ₹8 lakh in a card anniversary year.
- Eligibility requires Indian nationality, a minimum age of 21 years, and a net monthly income over ₹2.5 lakh for salaried individuals or an annual ITR above ₹30 lakh for self-employed individuals.
- The card offers 5 reward points on every ₹150 spent and up to 10X reward points on purchases via HDFC Bank’s SmartBuy platform.
Check your eligibility and apply for the HDFC Diners Club Black Metal Edition Credit Card directly on the HDFC Bank website.
Frequently Asked Questions (FAQs)
Is the HDFC Diners Club Black Metal Edition Credit Card good for travel in India?
Yes, the HDFC Diners Club Black Metal Edition Credit Card offers extensive travel benefits within India, including unlimited complimentary lounge access at over 1,000 airports globally. IT provides a comprehensive travel benefits package, making IT a strong choice for frequent travelers. The card also offers a low foreign currency markup of 2% on international transactions.
What are the main benefits of the HDFC Diners Club Black Metal Edition Credit Card?
The HDFC Diners Club Black Metal Edition Credit Card provides a 5X reward points on SmartBuy, unlimited complimentary lounge access, and 6 complimentary golf games per quarter. IT also offers exclusive dining privileges and a low foreign currency markup. The card focuses on travel and luxury lifestyle benefits for high-spenders.
What is the annual fee for the HDFC Diners Club Black Metal Edition Credit Card in 2026?
As of 2026, the HDFC Diners Club Black Metal Edition Credit Card typically has an annual fee of ₹10,000 plus applicable taxes. This fee can often be waived if your annual spending exceeds a certain threshold, usually ₹8 lakh in the preceding year. Always confirm the latest fee structure with HDFC Bank directly.
What is the reward points value for the HDFC Diners Club Black Metal Edition Credit Card?
The HDFC Diners Club Black Metal Edition Credit Card generally offers 5 reward points for every ₹150 spent, with accelerated rewards on SmartBuy. Each reward point is typically valued at ₹1 for flight and hotel bookings via SmartBuy, and ₹0.50 for cashback or statement credit. HDFC Bank also runs frequent transfer bonus promotions with airline and hotel partners.
Is the HDFC Diners Club Black Metal Edition Credit Card widely accepted in India?
Yes, the HDFC Diners Club Black Metal Edition Credit Card is widely accepted across India at most merchant establishments that accept credit cards. However, Diners Club cards may have slightly less international acceptance compared to Visa or Mastercard, which might require a backup card for some global transactions. Within India, acceptance is generally not an issue.
What is the eligibility criteria for the HDFC Diners Club Black Metal Edition Credit Card?
To be eligible for the HDFC Diners Club Black Metal Edition Credit Card, applicants typically need a minimum net monthly income of ₹1.75 lakh for salaried individuals or an Income Tax Return (ITR) of over ₹21 lakh annually for self-employed. A strong CIBIL score, usually 750 or higher, is also for approval. Age requirements are generally between 21 and 60 years.
Does the HDFC Diners Club Black Metal Edition Credit Card offer a fuel surcharge waiver?
No, the HDFC Diners Club Black Metal Edition Credit Card does not offer a fuel surcharge waiver benefit, a change from the older plastic Diners Club Black card. Cardholders will incur the standard fuel surcharge on transactions at petrol pumps. This is an important consideration for users who frequently spend on fuel.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.