Quick Details
Reward Structure
All Spends
SmartBuy Hotels
SmartBuy Flights
Weekend Dining (Sat-Sun)
Swiggy & Zomato
Reward Calculator
Redemption Options
Different ways to redeem your points - value varies by method
SmartBuy Flights
Flight Booking (Portal)
Min: 1 pts
Book flights via HDFC SmartBuy portal. 1 point = ₹1 value.
SmartBuy Hotels
Hotel Booking (Portal)
Min: 1 pts
Book hotels via HDFC SmartBuy portal. 1 point = ₹1 value.
Singapore Airlines KrisFlyer
Airline Miles Transfer
Transfer: 1:1
Min: 1,000 pts
1:1 transfer to KrisFlyer miles.
Air France-KLM Flying Blue
Airline Miles Transfer
Transfer: 1:1
Min: 1,000 pts
1:1 transfer to Flying Blue miles. SkyTeam alliance.
Amazon Gift Card
Gift Cards / Vouchers
Min: 500 pts
Redeem for Amazon.in gift cards.
Statement Credit
Cashback / Statement Credit
Min: 2,500 pts
Redeem as statement credit.
Milestone Benefits
Club Marriott + Amazon Prime + Swiggy One membership on Rs 1.5L spend in first 90 days
Spend ₹1,50,000 within 90 days
value
10,000 bonus reward points on Rs 4L quarterly spend
Spend ₹4,00,000 within 90 days
value
Airport Lounge Access
visits
Unlimited domestic lounge access. Swipe the Diners Club Black Metal card at lounge entrance.
visits
Unlimited international lounge access to 1,300+ lounges via Diners Club network.
visits
+ 999 guest visits
Digital Priority Pass included. Register on Priority Pass app to activate.
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Air Accident
₹2,00,00,000
Air accident cover.
Purchase Protection
₹2,00,000
Purchase protection.
Lifestyle Perks
Golf
6 /quarter
6 complimentary golf games per quarter (24/year) at premium courses worldwide
Concierge
24x7 concierge service for travel, dining, golf bookings
Movies
50.00% off
BookMyShow Buy 1 Get 1 offer on movie tickets
Dining
25.00% off
Up to 25% savings on Swiggy Dineout at 20,000+ restaurants
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
HDFC Diners Club Black Metal Edition is a premium metal credit card offering the same excellent benefits as the regular DCB with a premium metal card experience. Ideal for high spenders who value the prestige of a metal card with unlimited lounge access and excellent rewards.
Pros
- 5 reward points per Rs 150 spent (3.33% base reward rate)
- Up to 10X rewards on SmartBuy (33% on hotels)
- Monthly cap of 75,000 reward points (9L annually)
- Unlimited lounge access to 1,300+ lounges worldwide
- Premium metal card construction
- 6 complimentary golf games per quarter (24/year)
- Rs 2 crore air accident insurance
- Rs 50 lakh emergency overseas medical cover
- 5X rewards on Swiggy and Zomato
- 2X rewards on weekend dining
- 10,000 bonus points on Rs 4L quarterly spend
- Welcome benefits: Club Marriott + Amazon Prime + Swiggy One
- BookMyShow Buy 1 Get 1 offer
- Low forex markup of 2%
Cons
- High annual fee of Rs 10,000 + GST
- Very high income requirement (Rs 2.5L/month salaried)
- Limited Diners Club network acceptance
- No rewards on fuel, rent, utility, government transactions
- Requires Rs 8L spend for fee waiver
- SmartBuy capped at 10,000 points monthly
- Weekend dining capped at 1,000 points/day
Best For
High-income professionals, frequent travelers, premium lifestyle seekers
Not Ideal For
Budget users, those needing universal acceptance, fuel spenders
Frequently Asked Questions
What are the fees for HDFC Diners Club Black Metal Edition Credit Card?
What is the eligibility criteria for HDFC Diners Club Black Metal Edition Credit Card?
What rewards does HDFC Diners Club Black Metal Edition Credit Card offer?
Does HDFC Diners Club Black Metal Edition Credit Card offer airport lounge access?
How can I apply for HDFC Diners Club Black Metal Edition Credit Card?
User Reviews
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