Route spending through SmartBuy.
Earn 33.3× here — 33.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium · Dining
HDFC BANK · HDFC DINERS CLUB BLACK METAL EDITION
HDFC Diners Club Black Metal Edition
ANNUAL FEE
₹10,000 waived at ₹8L spend
FIRST-YEAR NET VALUE
₹1,66,088 for a mid spender · travel
HDFC BANK HDFC Diners Club Black Metal Edition
Updated 2026-02-24 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME ₹2.5L+ Salaried or self-employed
CREDIT SCORE 750+ Excellent band preferred
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹1,66,088 first-year net value · mid spender · travel
Category rewards ₹1,12,088
Milestone bonus· Monthly voucher worth ₹500 (choice of partner brands); 10,000 bonus reward points every calendar quarter + ₹46,000
Welcome benefit· Welcome reward points ₹8,000
Annual fee − ₹10,000
Fee waiver (met)· Annual fee waived for next year ₹10,000
Net first-year value ₹1,66,088
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 3.33% back on eligible spends 5 pts 5 points per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 33.3% back
SmartBuy · 33.3%
2X on weekend dining; 1,000 bonus points/day cap modeled as ~₹30k monthly cap · 6.7%
5X rewards on Swiggy and Zomato (HDFC DCB Metal product-page snippet) · 16.6%
Everything else (base) · 3.3%
MILESTONES Cumulative bonuses at annual spend tiers
₹10L Monthly voucher worth ₹500 (choice of partner brands)
₹16L 10,000 bonus reward points every calendar quarter
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Line up your ₹8L before renewal.
Crossing ₹8L in the anniversary year waives the ₹10,000 fee — automatic for spenders at ₹66,667+/month. Watch your pace in months 10–12.
Don't sleep on 5X rewards on Swiggy and Zomato (HDFC DCB Metal product-page snippet).
The second tier earns 16.6× (16.6% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹10,000 · + 18% GST · one-time
Annual fee (year 2+) ₹10,000 · waived at ₹8L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 2.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
unlimited domestic + unlimited international visits per year. Primary cardholder.
Welcome voucher
₹8,000 Welcome reward points.
Dining + partner memberships
Club Marriott.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹8L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.