HDFC Bank Diners Club Black Metal
The HDFC Bank Diners Club Black Credit Card is HDFC's ultra-premium offering on the Diners Club network.
Premium Privileges Fit Score
97/100
Joining Fee
₹10,000
Annual Fee
₹10,000
Reward Rate (%)
3.33 – 10
3.33 pts/₹100 · ₹1/pt
Forex Markup
2%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
20/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HDFC Bank Diners Club Black Metal Benefits
HDFC Bank Diners Club Black Metal Rewards
How you earn back on every swipe
points
Reward type
3.33% – 10%
Earn rate
3.33
Points / ₹100
₹1
Per point
HDFC Bank Diners Club Black Metal Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
HDFC Bank Diners Club Black Metal Lounge Access
Airport perks included with this card
Priority Pass
Included with this card
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- EMI transactions are not eligible for 2X Rewards on weekend dining
- Wallet payments are not eligible for reward points
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹66,667/mo (₹8,00,004/yr), your ₹10,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC Bank Diners Club Black Metal Eligibility
Employment type
Pros & Cons
- One of the best travel and lifestyle cards in India
- Excellent SmartBuy reward acceleration
- Unlimited lounge access for both primary and add-on users
- Strong airline and hotel transfer partners
- Premium golf, dining, and lifestyle benefits
- Good redemption flexibility for travel users
- Low forex markup improves international usability
- High reward potential for high spenders
- Very high annual fee of ₹10,000 + GST
- Diners Club acceptance can still be inconsistent at some merchants
- Best value depends heavily on SmartBuy usage
- Reward structure is complex for beginners
- Annual fee waiver milestone is high
- Reward exclusions on rent, wallet loads, fuel & government spends
- Overkill for low or moderate spenders
Who is this card for?
Existing HDFC premium banking customers with high monthly spends who want the top-tier dining, travel, and lifestyle benefits available on the Diners Club network.
Quick Links
Data last updated 25 Sept 2026
Calculate your exact earnings with HDFC Bank Diners Club Black Metal
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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