Route spending through SmartBuy.
Earn 10X here — 33.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium · Travel & Lifestyle
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
₹1,33,115 for a mid spender · travel
HDFC BANK HDFC Diners Club Black Metal Edition
Updated 17 Sep 2026 4 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
₹1,33,115 first-year net value · mid spender · travel
Category rewards ₹85,115
Milestone bonus· 10,000 bonus reward points every calendar quarter + ₹40,000
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 ₹1,33,115
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 10X · 33.3%
SmartBuy 5X · 16.6%
2X Reward Points on weekend dining at participating restaurants (product page) 2X · 6.7%
Everything else (base) · 3.3%
MILESTONES Cumulative bonuses at annual spend tiers
₹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 SmartBuy.
The second tier earns 5X (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.
08 WHAT CHANGED
How HDFC Diners Club Black Metal Edition has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 SmartBuy accelerator split per the product page: hotels 10X, flights 5X (was a single 10X travel entry); the ₹500 monthly voucher at ₹80,000 is no longer listed and was removed; the Swiggy/Zomato 5X entry was dropped as it is not on the product page. Fee ₹10,000 + taxes, ₹8L renewal waiver, 10,000-point quarterly milestone at ₹4L, unlimited lounges, 6 golf games a quarter, 2X weekend dining and the Club Marriott + Swiggy One + Amazon Prime welcome re-verified. SmartBuy flight bookings now score at 5X rather than 10X; monthly voucher value removed from the milestone estimate
- Aug 2024 Metal edition launched replacing plastic DCB Enhanced card durability and premium feel
- Aug 2024 New transaction charges introduced for rent, utilities, and fuel 1% fee capped at ₹3,000 per transaction for certain categories
- Aug 2024 SmartBuy monthly cap enhanced to ₹10,000 Increased earning potential on portal transactions
- Aug 2024 Quarterly milestone improved to 10,000 points Better value for high spenders (₹4 lakh quarterly spend)
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: HDFC Bank Diners Club Black Metal Edition Credit Card product page, HDFC Bank Diners Club Black Metal Edition Credit Card fees and charges page, HDFC Bank Diners Club Black Metal Edition Credit Card eligibility page, hdfc.bank.in. Next scheduled review: 17 Mar 2027.