HDFC Bank
HDFC Bank Diners Club Black Metal Edition Credit Card
5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Double points at standalone restaurants on Saturdays and Sundays, 10,000 bonus points each calendar quarter you spend ₹4 lakh, and up to 10 times the points on travel and shopping through SmartBuy. Fuel, rent, wallet loads, EMI and government payments earn nothing.
- ₹10,000 joining, ₹10,000 a year
- Diners Club
Pros and cons
Good
- 3.33% on groceries, well above the 2% the best free card pays
- Airport lounge visits with no published spend condition
- Low forex markup (2%)
- Open to self-employed applicants
Watch out for
- Fee is hard to recover: about ₹62,700 a month of groceries to break even
- High joining fee: ₹10,000 up front
- Earns nothing on fuel, wallet loads, rent and government payments
- Can't be used on UPI (not a RuPay card)
- Who it's for
- People who spend about ₹62,700 or more a month on groceries and use airport lounges.
- Skip it if
- You spend under ₹62,700 a month on groceries, or you need a card for UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 3.33% (base rate)
- Online shopping
- 3.33%
- Fuel
- 0%
- Groceries
- 3.33%
- Travel
- 3.33%
- Bills and utilities
- 3.33%
- Dining and food delivery
- 3.33%
Fees and charges
- Joining fee
- ₹10,000
- Annual fee
- ₹10,000
- Fee waiver
- Renewal fee waived if you spend ₹8 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹1.5 lakh in the first 90 days to get Club Marriott, Amazon Prime and Swiggy One memberships; HDFC's terms call all three annual, while its product page shows Swiggy One for 3 months.
- Forex markup
- 2%
- Fuel surcharge waiver
- No fuel surcharge waiver. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000.
Benefits and eligibility
- Airport lounge
- Unlimited airport lounge visits in India and abroad for the primary cardholder and each add-on cardholder, with no spend condition: show the card at the lounge. Guests aren't covered and pay the lounge's own charge. Lounges abroad are listed in the Diners Travel Tool app.
- Card network
- Diners Club
- UPI payments
- No
- Minimum income (salaried)
- ₹2,50,000 a month
- Eligibility
- Salaried: Indian national, age 21-60, net monthly income above ₹2.5 lakh. Self-employed: Indian national, age 21-65, income tax return above ₹30 lakh a year. You don't need to hold another credit card first. Approval at HDFC Bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the HDFC Bank Diners Club Black Metal Edition Credit Card?
View on HDFC Bank siteIssuer's site. We don't earn from this card.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by HDFC Bank.
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
What changed recently
- FeesWorse for you
Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) rose from 1% to 1.75%.
Before: 1% · After: 1.75%
The 1% figure is from the card's rewards terms, which haven't been updated.
Bank's notice or terms - FeesWorse for you
Replacing a lost, stolen or damaged metal card now costs ₹3,500.
Before: ₹100 · After: ₹3,500
The card's fees page still lists ₹100.
Bank's notice or terms
Questions people ask
Is the HDFC Bank Diners Club Black Metal Edition Credit Card worth it in 2026?
Yes, if you spend about ₹62,700 or more a month on groceries and use airport lounges. Below that, the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) pays 2% for free. The catch: earns nothing on fuel, wallet loads, rent and government payments.
Is the HDFC Bank Diners Club Black Metal Edition Credit Card lifetime free?
No. It costs ₹10,000 to join and ₹10,000 a year, plus GST. Renewal fee waived if you spend ₹8 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹1.5 lakh in the first 90 days to get Club Marriott, Amazon Prime and Swiggy One memberships; HDFC's terms call all three annual, while its product page shows Swiggy One for 3 months.
Does the HDFC Bank Diners Club Black Metal Edition Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the HDFC Bank Diners Club Black Metal Edition Credit Card give airport lounge access?
Unlimited airport lounge visits in India and abroad for the primary cardholder and each add-on cardholder, with no spend condition: show the card at the lounge. Guests aren't covered and pay the lounge's own charge. Lounges abroad are listed in the Diners Travel Tool app.
What earns no rewards on the HDFC Bank Diners Club Black Metal Edition Credit Card?
No reward points on fuel, rent, government payments, wallet loads, EasyEMI purchases, purchases later converted to EMI (points are taken back), cash advances, card fees, online skill-gaming, and education fees paid through third-party apps such as CRED or Cheq; HDFC's card terms also exclude some education merchants. Points are earned only on each full ₹150 spent.
Is there a limit on rewards with the HDFC Bank Diners Club Black Metal Edition Credit Card?
Grocery earns at most 2,000 points a month (₹2,000 at ₹1 a point), reached at ₹60,000 of grocery spend. Utility bills earn at most 2,000 points a calendar month. Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit. Insurance premiums earn at most 5,000 points a month. Insurance isn't one of the spend types we rate. At most 75,000 points can be earned in a statement cycle.
Who can get the HDFC Bank Diners Club Black Metal Edition Credit Card?
The bank publishes a minimum income of ₹2,50,000 a month for salaried applicants. Self-employed people can apply: ITR above ₹30 lakh a year; age 21-65; Indian national. Salaried: Indian national, age 21-60, net monthly income above ₹2.5 lakh. Self-employed: Indian national, age 21-65, income tax return above ₹30 lakh a year. You don't need to hold another credit card first. Approval at HDFC Bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 19 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.