HDFC Bank Diners Club Black Metal Edition credit card review: fees, rewards and eligibility
The HDFC Bank Diners Club Black Metal Edition has a recorded annual fee of ₹10,000 plus GST and a base earn of 5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply. CardMasters checked its issuer terms on 2026-07-28. Affiliate commission never changes ranking; confirm final terms and approval with HDFC Bank.
HDFC Bank Diners Club Black Metal Edition: short answer
The HDFC Bank Diners Club Black Metal Edition is in the super-premium tier of HDFC Bank credit cards, with a joining fee of ₹10,000, an annual fee of ₹10,000 plus GST (waived on ₹8,00,000 of eligible annual spend), a base earn of 5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply and a 2% forex markup. Rewards are not earned on fuel, rent, wallet load, easy emi, smart emi. It suits travel, high spender, memberships spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-28. Confirm final terms with the issuer.
Reward structure
5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply
- Up to 10X Reward Points through eligible SmartBuy routes on SmartBuy — Portal, merchant and campaign routing are not observable in onboarding, so SmartBuy bonus points are disclosed but not included in recommendation value.
- 2X Reward Points at participating weekend-dining restaurants on Participating weekend-dining restaurants — The participating-restaurant condition is not observable in onboarding, so this boost is not included in recommendation value.
- 3.333333 points per ₹100 on Eligible utility, telecom and grocery spend (2,000 points monthly cap) — One conservative shared 2,000-point cap is used because the issuer terms group utility, telecom and grocery in a single cap statement.
Eligibility and important limits
minimum age 21, maximum salaried age 60, published monthly income floor ₹2,50,000 Indian nationals: salaried net monthly income above ₹2.5 lakh or self-employed annual ITR above ₹30 lakh. HDFC Bank publishes no credit-score cutoff; approval remains subject to issuer documentation and policy. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, easy emi, smart emi, education, government.
Important limit: Insurance rewards are capped at 5,000 points/month; utility, telecom and grocery rewards are capped at 2,000 points/month under the issuer's grouped wording.
Frequently asked questions
What is the annual fee for the HDFC Bank Diners Club Black Metal Edition?
The published annual fee in our current record is ₹10,000 plus applicable GST. It can be waived after ₹8,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the HDFC Bank Diners Club Black Metal Edition?
5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply. Accelerated routes include Up to 10X Reward Points through eligible SmartBuy routes on SmartBuy; 2X Reward Points at participating weekend-dining restaurants on Participating weekend-dining restaurants; 3.333333 points per ₹100 on Eligible utility, telecom and grocery spend (2,000 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the HDFC Bank Diners Club Black Metal Edition?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, easy emi, smart emi, education, government. Merchant category coding and issuer terms determine final eligibility.
Who should consider the HDFC Bank Diners Club Black Metal Edition?
It is most relevant for people focused on travel, high spender, memberships. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the HDFC Bank Diners Club Black Metal Edition worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹10,000 plus GST each year. The fee is waived at ₹8,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the HDFC Bank Diners Club Black Metal Edition?
The published minimum age is 21. The published monthly income floor is ₹2,50,000. Indian nationals: salaried net monthly income above ₹2.5 lakh or self-employed annual ITR above ₹30 lakh. HDFC Bank publishes no credit-score cutoff; approval remains subject to issuer documentation and policy. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the HDFC Bank Diners Club Black Metal Edition?
The recorded foreign-currency markup is 2% before GST. On ₹1,00,000 of international spend that is about ₹2,000 in markup, so compare it against any rewards earned on overseas transactions.
Does the HDFC Bank Diners Club Black Metal Edition offer airport lounge access?
Domestic lounge access: unlimited at participating Diners Club lounges for primary and add-on cardholders. International lounge access: unlimited at participating Diners Club lounges worldwide for primary and add-on cardholders. Spend conditions and guest charges are set by the issuer and can change.