HDFC Bank Diners Club Black Metal Edition Credit Card
- Updated On: 31 December, 2025
HDFC Bank has launched the new and exciting Diners Club Black Credit Card. This metal card is sure to outshine the HDFC Bank Diners Club Black Credit Card and compete with the INFINIA Credit Card. The Diners Club Black Metal Credit Card is loaded with features and is a premium credit card offering. From golfing benefits for the sportsman in you to a comfortable experience at airports with unlimited lounge access, there are so many advantages attached to this credit card. Whether it’s dining, travel or shopping, you can earn a good number of benefits with the Diners Club Black Metal Card. If that isn’t enough, there is more that will motivate you to go on the shopping spree you desire. You can get up to 10,000 Reward Points on spends of Rs. 4 lakh each quarter.
If you’re considering upgrading from the Diners Club Black Credit Card, or if you’re in the market for a premium card like Infinia or Magnus, this card is definitely worth considering. Let’s take a closer look at all the important details related to this card.
HDFC Bank Diners Club Black Metal Edition Credit Card
( 4.7 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
5 Reward Points/₹150 on Regular Spends (3.33%) | Up To 10x Reward Points On SmartBuy (Up To 33.33%) | 2x Reward Points (10/₹150) On Weekend Dining (6.67%)
Welcome Benefits
Complimentary Membership of Club Marriott, Swiggy One and Amazon Prime (On Spends of Rs. 1.5 Lakh Within 90 Days of Card Issuance)
Rewards and Benefits
Movie & Dining
10% Off Up to ₹400 on Swiggy Dineout (Twice Each Month) and 2X RPs on Weekend Dining
Rewards Rate
5 Reward Points/₹150 on Regular Spends (3.33%) | Up To 10x Reward Points On SmartBuy (Up To 33.33%) | 2x Reward Points (10/₹150) On Weekend Dining (6.67%)
Reward Redemption
Redeem Rewards on SmartBuy or for Airmiles and Cashback
Travel
Unlimited Lounge Access for Primary and Add-On Cardholders
Domestic Lounge Access
Unlimited Complimentary Domestic Lounge Visits Across India
International Lounge Access
Unlimited Complimentary International Lounge Visits Across the World
Golf
6 Complimentary Golf Games Each Quarter
Insurance Benefits
Air Accident Insurance Worth Rs 2 Crore and Emergency Overseas Hospitalisation Worth Rs. 50 Lakh.
Fees & Charges
Spend-Based Waiver
Spends ₹8 Lakh in a Year to Waive Renewal Fee
Rewards Redemption Fee
N/A
Foreign Currency Markup
2% of Transaction Amount
Interest Rates
1.99% Monthly & 23.88% Annually
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% of the Total Amount or Rs. 500 (Whichever is Higher)
Product Details
- This is a metal credit card.
- The joining fee is Rs. 10,000 plus taxes.
- 5 Reward Points on spends of Rs. 150.
- Complimentary Swiggy One, Club Marriott and Amazon Prime membership.
- Unlimited lounge access.
- 24 complimentary golf games in a year.
Pros/Cons
Pros
- Unlimited international and lounge access for primary and add-on card holders.
- 6 complimentary golf games each quarter.
Cons
- The joining fee is Rs. 10,000, which might be high for some individuals.
- The renewal fee can be waived by spending Rs. 8 lakh in a card anniversary year. This amount might not be achieved by some people.
HDFC Diners Club Black Metal Credit Card Benefits and Features
Welcome Benefits
The following welcome benefits can be availed with the Diners Club Black Metal Credit Card on making spends of Rs. 1.5 lakh within 90 days of card issuance.
Complimentary Amazon Prime Membership
This offer can be availed once and can be redeemed by logging on to your Amazon account.
- Get free and fast delivery with your Prime membership.
- Enjoy ad-free entertainment and music with the Prime Video and Music app.
Validity – Annual Membership
Complimentary Club Marriott Membership
Download the Club Marriott South Asia app to avail yourself of the benefits of this membership.
- Get up to 25% off food and beverages at participating hotels in India for a maximum of 20 guests.
- Get up to 20% off on food and beverages at participating hotels in Asia Pacific for a maximum of 20 guests.
- Get up to 20% off spa services on participating Marriott Hotels.
- Get up to 15% off on orders made on Marriott Bonvoy on Wheels.
Validity – Annual Membership
Complimentary Swiggy One Membership
- Receive 40% off on Swiggy Dineout.
- Get free delivery on all orders above Rs. 149.
- No surge fees, even during holidays.
- Receive Rs. 150 off on bills above Rs. 1500 twice a month with Swiggy Dineout.
- Get 10% off on delivery with Swiggy Genie.
Validity – Annual Membership
Dining Benefits
Here are some of the benefits you can get while paying with your HDFC Bank Diners Club Black Metal Credit Card for dining and food.
- Get up to 10% off on restaurant payments through Swiggy Dineout. Maximum discount of ₹400 twice each month.
Unlimited Domestic Lounge Access
You can access many domestic lounges across airports in India at no additional cost. With the Diners Club Black Metal Credit Card, you shall receive free lounge access for primary and add-on cardholders.
Unlimited International Lounge Access
Receive unlimited international lounge access worldwide across many popular airports. This is valid for primary and add-on card Diners Club Black Metal Credit Card holders.
Golf Benefits
6 complimentary golf games each quarter, i.e. 24 golf games in a year with the HDFC Diners Club Black Metal Credit Card. You can get in touch with your concierge to book them (Call 1800118887).
Milestone Benefits
Receive a fantastic bonus of 10,000 Reward Points after spending Rs. 4 lakh in a quarter. The Reward Points shall be credited within ten days from the start of the next quarter. Please note a calendar quarter to be eligible for milestone benefit is termed as follows – January to March, April to June, July to September and October to December.
HDFC Bank Diners Club Black Metal Credit Card Reward Points
- Earn 5 Reward Points for every Rs. 150 spent.
- Earn up to 10X Reward Points on spends made through SmartBuy.
- 2X Reward Points (10 Reward Points) per Rs. 150 spends at restaurants on Saturday and Sunday.
- These reward points are valid for a period of 3 years.
- The maximum Reward Points that can be earned per statement cycle is capped at 75,000.
- Insurance transactions have a cap of 5,000 points per day, and grocery spends have a cap of 2,000 per month.
- Cashback redemption of Reward Points is capped at 50,000 Points.
- Maximum Reward Points through SmartBuy is limited to 10,000 Points per month.
Reward Points shall not be awarded for the following – Fuel, Easy EMI, Rent Payments, Government Transactions, Cash Advances, Payment of Card Fees and E-Wallet Reloads.
Reward Redemption
The Reward Points earned through the Diners Club Metal Credit Card can be redeemed on many platforms. You can also opt for a cash redemption with the points earned. Let’s take a look at the value of reward points that can be redeemed.
| Redemption | Value of 1 Reward Point |
| Cash Back | ₹0.30 |
| Product Catalog | Up to ₹0.50 |
| Airmiles | 0.5 to 1 Airmile |
| SmartBuy (Flights/Hotels) | ₹1 |
Eligibility Criteria for HDFC Bank Diners Club Black Metal Credit Card
You would need to fulfil the following criteria to be eligible for a Diners Club Black Metal Credit Card-
- Must be a citizen of India,
- Salaried individuals must have a monthly income greater than Rs. 1.75 lakh, and the age must be between 21 and 60 years.
- Self-employed individuals must have an annual income greater than Rs. 21 lakh, and the age must be between 21 and 65 years.
How to Apply for Diners Club Black Metal Edition Credit Card?
Are you looking to apply for the Metal Diners Club Black Card? Easily apply now with Card Insider. On our platform, you can not only easily read all about different credit cards, but you can also compare them and make the right choice. To apply for a Diners Club Black Metal Credit Card, simply click on the Apply Now button on your screen. Please keep your PAN Card handy, as you may need it.
Comparison of HDFC Bank Diners Club Black Metal and HDFC Infinia Credit Card
Both these cards come in the premium range of credit cards offered by HDFC Bank. If you are someone who is looking for a comparison of the Diners Club Black Metal and Infinia Credit Card, the table given below will help you. With this, you can easily choose which is the best for you.
| Features | Diners Club Black Metal Edition | HDFC Bank INFINIA Metal Edition |
| Joining/Renewal Fees | Rs. 10,000 + GST | Rs. 12,500 + GST |
| Best Suited For | Travel, Dining and Shopping | Travel & Dining |
| Welcome Benefits | Complimentary Swiggy One, Club Marriott and Amazon Prime Membership | Welcome Bonus of 12,500 Reward Points and Free Club Marriott Membership |
| Golfing Benefits | 6 Complimentary Golf Games Each Quarter | Unlimited Golf Games at Top Courses |
| International/Domestic Lounge Access | Unlimited for Primary and Add-On Holders | Unlimited for Primary and Add-On Holders |
| Renewal Fee Waiver | Spends of Rs. 8 Lakh in a Card Anniversary Year | Spends of Rs. 10 Lakh in a Card Anniversary Year |
HDFC Bank Diners Club Black Metal Credit Card Review by Card Insider
Diners Club Black Metal Credit Card is the latest offering by HDFC Bank. This is a luxurious metal credit card that has features matching its look. If you are an avid traveller and are always on the move, this card offers you unlimited lounge access, not only for you but for add-on cardholders also. With an excellent reward structure (5 Reward Points on Spends of Rs. 150 and 10X Reward Points on Spends on SmartBuy) and six free golf games each year, you sure are going to enjoy the multiple benefits of this card.
The Metal HDFC Bank Diners Club Credit Card also has one significant upgrade from the plastic DCB Card, which is that with this card, there is a monthly cap of 10,000 Reward Points on purchases made with SmartBuy. This would allow you to easily make larger purchases while earning reward points, which wasn’t possible with the Diners Club Black Card as it had a cap of 2,500 points. Whether it’s dining, milestone benefits or travel, this card has it all.
Tell us your views on this newest addition to premium credit cards in India in the comments below.
FAQs:
What is the joining fee for the HDFC Diners Black Club Credit Card?
The joining fee for the HDFC Diners Black Club Metal Credit Card is Rs. 10,000 plus taxes.
Can I make contactless payments with this card?
Yes, with the HDFC Black Diners Club Black Metal Card, you can make contactless (without entering PIN) payments up to Rs. 5,000.
Are there any milestone benefits with this card?
Yes, on spending Rs. 4 lakh each quarter, you can get 10,000 Bonus Reward Points.
What is the foreign currency markup on Diners Club Black Metal Credit Card?
You will charged 2% of the transaction amount as a foreign markup fee with this credit card.
What is the monthly cap for Reward Points on Smart Buy?
The monthly cap on SmartBuy for HDFC Diners Club Black Metal Credit Card is 10,000 Reward Points. With this, you can easily make large purchases on SmartBuy.
21 comments
Puneet
Is rent payment from dcb counted against the quarterly milestone?
Kartik Kanwar
It is, but remember there are charges for third party rental payments.
DJ
What are considered as Government Transactions? Will I get RP on advance tax payments?
Kartik Kanwar
The following MCCs are under government transactions – 9222, 9311, 9399, 9402. Also no reward points shall be awarded for rental payments.
Madhukar
I have DCB, regular version for about an year. if you are looking for fuel spends forget it. you will not get any rewards and you will be charged about 3.5% fuel surcharge waiver if the POS terminal is not HDFC, which is the case mostly. I also like to highlight there are many places online that this card is not accepted. This is a good card overall, but it has its downsides.
Kartik Kanwar
Diners Club has acceptability issues in India.
Ramesh
Does this card also offer any points for fuel, please elaborate on the welcome benefits of this card. If i am traveling abroad does this card still avail the same offers as restaurants, what is the limit on this card and how many cards can i own at the same time?
Kartik Kanwar
No reward points are provided for fuel transactions. Your limit shall be offered according to your credit history by the bank. You can have multiple credit cards at the same time.
Prathu
Another Premium Card by HDFC Bank, the reviews about this credit card are amazing which inclined me to apply. Moreover, the features and benefits this card provides are extraordinary. Highly Recommended!
Kapil Chauhan
Just had to share my excitement about the HDFC Bank Diners Club Black Metal Edition Credit Card! The sleek metal design not only looks great, but also provides multiple benefits. Think exclusive lounge access, high reward points—total game-changer! The transactions are very easy to handle and the service is excellent. Trust me, it’s not just a card; it’s an investment in a lifestyle upgrade that’s totally worth it!👌✨
Megha
How will I get to know if I have won the membership or monthly milestone benefit?
Kartik Kanwar
You shall be notified via e-mail or SMS.
Vijay Singh
I liked the benefits that this card provides, but it seems like joining and annual fees are too high.
Aryan
Excellent article!
One query, can we upgrade out existing DCB to metal DCB?
Vamsi Krishna
Hello , Does we get any reward points on utility bills ?
Suresh
Yes you can. I got mine approved.
Criteria:
Last 6m spend should be 5L
& Last 10-12 months spend should be 10L
Nikita
fee waiver spends increased from 5 lakh to 8 lakhs
Kapoor Ravi
May I know how long HDFC Diners Club Rewards points remain valid?
Kartik Kanwar
Hello, Kapoor. The reward points earned through HDFC Bank Diners Club Black Metal Credit Card are valid for 3 years.
pankaj
do we get annual membership of marriot, amazon prime and swiggy on renewal also basis spend threshold
Kartik Kanwar
Hello, Sir. No, on reaching the renewal milestone only the annual fee is waived.