HDFC Diners Club Black Credit Card: Fees, Rewards & Benefits
Travel card
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One of the strongest premium rewards cards in India, with 10x SmartBuy earn worth up to ~33% at 1.0/point, unlimited global lounges and rich monthly and annual milestones. The Rs.10,000 fee, Rs.21 lakh income bar and Diners Club acceptance limits mean it rewards high spenders who use SmartBuy and travel.
Travel card
The Bottom Line
The HDFC Diners Club Black Metal Edition is built for high-spend smartbuy user and frequent traveller. With a ₹10,000 annual fee that is waived on ₹8,00,000 yearly spend, it offers 10% rewards on smartbuy (hotel) and airport lounge access. It makes the most sense if your spending matches high-spend smartbuy user and frequent traveller.
It earns a base reward rate of 1% and stacks best when your spending lines up with High-spend SmartBuy user, Frequent traveller. The renewal fee gets easier to justify once you can hit ₹8,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealBig spenders who book travel and shopping through SmartBuy to capture the 10x rate up to the 7,500/5,000 monthly caps at up to ~33% value.
Flyers wanting unlimited domestic and international lounge access for self and add-on cardholders plus Rs.2 crore air accident cover.
Probably not for
SkipThose who cannot reach the Rs.8 lakh waiver or use SmartBuy heavily will struggle to justify the Rs.10,000 fee and Rs.21 lakh income bar.
Anyone needing the widest acceptance may find Diners Club declined at smaller outlets versus Visa/Mastercard.
Is It Worth It For You?
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Reward Rates
HDFC Diners Club Black Metal Edition offers 1% basic reward rate.
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Welcome Offer
Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One, on spending Rs. 1.5 lakh within 90 days of card issuance.
Milestone Benefits
10,000 bonus Reward Points on cumulative spends of Rs. 4 lakh in a calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec); bonus points are credited within about 10 days of the start of the next quarter.
Renewal fee of Rs. 10,000 + GST is waived on Rs. 8 lakh spend in the membership year.
Select one voucher worth Rs. 5,000 from partner brands (e.g. Tanishq, Dyson) on Rs. 8 lakh annual spend. Carried over from the prior extraction; not independently re-confirmed against a 2026 source this session -- verify against a live MITC fetch.
Fees & Charges
Eligibility
- Min Income: ₹21 Lakhs
- Min Credit Score: 750
- Premium card; min Rs 1.75 lakh/month salaried (Rs 21L annual); ITR > Rs 21 lakh self-employed; annual fee waived on Rs 8 lakh spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI
- No reward points on Smart EMI / Easy EMI / Dial-an-EMI transactions.
Cash Advance
- No reward points on cash withdrawals/advances.
Fees & Charges
- No reward points on payment of card fees and charges.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹10,000 annual fee. Apply on the HDFC Bank website.
Apply on HDFC Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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