Credit Cards · Honest Review
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank · Diners
Your Verdict
- ✓Unlimited domestic and international airport lounge access
- ✓Up to 24 complimentary golf rounds annually (6 per quarter)
- ✓5 reward points per 150 spent, with 10,000 bonus points on 4 lakh quarterly spend
- ✓Reward points redeemable up to 70% of flight and hotel booking value
- ✓Premium metal card construction with concierge and travel benefits
What HDFC Bank Diners Club Black Metal Edition Credit Card costs you
HDFC Bank Diners Club Black Metal Edition Credit Card carries a ₹10,000 annual fee and a ₹10,000 one-time joining fee. The annual fee is waivable: Spend 8 lakh or more in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹10,000 |
| Joining fee (one-time) | ₹10,000 |
| Fee waiver condition | Spend 8 lakh or more in a year |
| Spend required for waiver | ₹8,00,000 / year |
| Foreign transaction fee (forex markup) | 2% per transaction |
What you earn on every rupee spent
HDFC Bank Diners Club Black Metal Edition Credit Card earns 3.33% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, dining & food and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 3.33% |
| ✈️ Travel & Flights | 3.33% |
| 🍽️ Dining & Food | 3.33% |
Club Marriott membership, Swiggy One (3 months) and Amazon Prime memberships on spending 1.5 lakh in first 90 days
Reward types: Points · Miles · Lounge · Discounts
Beyond the reward rate
The non-reward benefits on HDFC Bank Diners Club Black Metal Edition Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank Diners Club Black Metal Edition Credit Card requires a minimum net monthly income of ₹2,50,000 for salaried applicants and a CIBIL score of 780 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹2,50,000 |
| CIBIL score | 780+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7-10 working days |
Salaried need net monthly income above 2.5 lakh; self-employed need ITR above 30 lakh per annum. Indian nationals only.
Who should (and shouldn't) get HDFC Bank Diners Club Black Metal Edition Credit Card
- → Heavy spenders on travel & flights who want 3.33% back
- → Heavy spenders on dining & food who want 3.33% back
- → Frequent travelers who value airport lounge access
- → International spenders benefiting from low forex markup
- → Moderate spenders who can clear the fee waiver condition
- → Low spenders who won't recover the high annual fee
- → Applicants with monthly income below ₹2,50,000
HDFC Bank Diners Club Black Metal Edition Credit Card — Questions answered
What is the annual fee for HDFC Bank Diners Club Black Metal Edition Credit Card?
What is the minimum income required for HDFC Bank Diners Club Black Metal Edition Credit Card?
What is the reward rate on HDFC Bank Diners Club Black Metal Edition Credit Card for travel & flights?
Does HDFC Bank Diners Club Black Metal Edition Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC Bank Diners Club Black Metal Edition Credit Card?
How long does it take to get HDFC Bank Diners Club Black Metal Edition Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.