The HDFC Diners Club Black Metal Edition is a premium metal credit card issued by HDFC Bank on the Diners Club network. It is the upgraded metal variant of the popular HDFC Diners Club Black credit card, featuring enhanced rewards caps and milestone benefits.

• Card Network: Diners Club (with Discover-RuPay acceptance)
• Card Material: Metal
• Annual Fee: Rs 10,000 + GST (waivable on Rs 8 lakh annual spend)
• Base Reward Rate: 3.33% (5 RP per Rs 150, each worth Rs 1)
• Key Highlight: Unlimited domestic and international airport lounge access for primary and add-on card members

Earn 5 Reward Points for every Rs 150 spent on all eligible transactions, translating to an excellent 3.33% return. Points are worth Rs 1 each when redeemed on SmartBuy for flights and hotels.

• Base Rate: 5 RP per Rs 150 (3.33%)
• Weekend Dining: 2X = 10 RP per Rs 150 (6.67%) at restaurants on Saturdays and Sundays
• SmartBuy Hotels: Up to 10X = 50 RP per Rs 150 (33.33%)
• SmartBuy Flights: Up to 5X = 25 RP per Rs 150 (16.67%)
• SmartBuy Bonus Cap: 10,000 bonus RP per calendar month
• Statement Cycle Cap: Maximum 75,000 RP per statement cycle

Travel Benefits

• Unlimited airport lounge access at 1,300+ lounges worldwide for primary and add-on cardholders
• Air accident insurance cover of Rs 2 crore
• Emergency overseas hospitalisation cover of Rs 50 lakh
• Baggage delay cover of up to Rs 55,000 for international flights
• 2% foreign currency markup on international transactions

Golf Benefits

6 complimentary golf games each quarter across premium golf courses worldwide, totalling 24 games per year. Book through the 24x7 concierge service at 1800118887.

Dining Benefits

• 2X Reward Points on weekend dining (Saturday and Sunday)
• Up to 10% off on Swiggy Dineout restaurant payments (max Rs 400, twice per month)
• Up to 25% off food and beverages at Marriott properties via Club Marriott membership

Concierge & Lifestyle

24x7 Global Personal Concierge services for travel bookings, restaurant reservations, event tickets, and more. Credit liability cover of up to Rs 9 lakh for lost/stolen card protection.

On spending Rs 1.5 lakh within 90 days of card issuance, you receive:

• Club Marriott Annual Membership: Up to 25% off food and beverages at Marriott properties in India, 20% off in Asia Pacific, 20% off spa services, and 15% off Marriott Bonvoy on Wheels
• Amazon Prime Annual Membership: Free and fast delivery, ad-free entertainment with Prime Video and Music
• Swiggy One (3 Months): 40% off Swiggy Dineout, free delivery on orders above Rs 149, no surge fees

Quarterly Milestone Benefits

Earn 10,000 bonus Reward Points on spending Rs 4 lakh or more in each calendar quarter:

• Q1: January to March
• Q2: April to June
• Q3: July to September
• Q4: October to December

Bonus points are credited within 10 days from the start of the next quarter. This adds approximately 2.5% additional reward value on quarterly spend.

Annual Fee Waiver

Spend Rs 8 lakh within 12 months before the renewal date to get the renewal fee of Rs 10,000 waived for the next year.

The HDFC Diners Club Black Metal Edition offers unlimited complimentary airport lounge access at over 1,300 lounges worldwide for both primary and add-on card members.

• Domestic: Unlimited complimentary access at domestic airport lounges across India
• International: Unlimited complimentary access at international airport lounges worldwide
• Access Method: The credit card itself serves as the access card; no separate Priority Pass card is needed
• Add-on Cards: Add-on cardholders also receive unlimited lounge access

For the full list of participating lounges, visit the Diners Travel Tool App or the HDFC Bank website.

• Base Rate: 5 Reward Points per Rs 150 spent (3.33%)
• Weekend Dining: 10 Reward Points per Rs 150 (6.67%) at restaurants on Saturday and Sunday, capped at 1,000 RP per day
• SmartBuy Hotels: Up to 10X (50 RP per Rs 150) with a monthly bonus cap of 10,000 RP
• SmartBuy Flights: Up to 5X (25 RP per Rs 150) with the same monthly cap
• SmartBuy Vouchers/Partners: 3X to 5X depending on partner
• Statement Cycle Cap: Maximum 75,000 Reward Points per statement cycle
• Insurance Cap: 5,000 RP per day on insurance transactions
• Grocery Cap: 2,000 RP per calendar month on grocery transactions

No rewards on: Fuel, Easy EMI, rent payments, government transactions, cash advances, card fee payments, and e-wallet reloads.

Redemption Options

Reward Points are valid for 3 years from the date of credit. Up to 70% of SmartBuy booking value can be paid via reward points (max 75,000 RP per month).

Transfer Partners

Transfer reward points to airline and hotel loyalty programs. Key transfer partners include Singapore Airlines KrisFlyer (1:1), InterMiles (1:1), Flying Blue (1:1), British Airways (2:1), Etihad Guest (2:1), United MileagePlus (2:1), and more.

• Nationality: Indian
• Age: 21 to 60 years
• Income: Gross monthly income greater than Rs 2.5 lakh

For Self-Employed Applicants

• Nationality: Indian
• Age: 21 to 65 years
• Income: ITR greater than Rs 30 lakh per annum

For Upgrades

Existing HDFC Bank credit card holders with a credit limit of Rs 5 lakh or above may be eligible for an upgrade to the Diners Club Black Metal Edition. Spending history and relationship value (NRV) are also considered.

• Passport
• Aadhaar Card
• Voter ID
• Driving Licence
• PAN Card
• Passport size photographs

Address Proof (any one)

• Utility bills (electricity, water, gas, or telephone)
• Rental agreement
• Passport
• Aadhaar Card
• Voter ID

Income Proof

• Salaried: Latest salary slips, Form 16, bank statements
• Self-Employed: Income Tax Returns (ITR), bank statements

1. Visit the HDFC Bank credit cards page
2. Click on "Apply Now" or "Check Eligibility"
3. Provide and validate your Phone Number and Date of Birth/PAN
4. Confirm your details and select the Diners Club Black Metal Edition card
5. Submit your application and receive your card

Via PayZapp App

Open the PayZapp app, navigate to the credit card section, and apply directly.

Via NetBanking

Existing HDFC Bank customers can log in to NetBanking and apply from the "Cards" section.

At Branch

Visit your nearest HDFC Bank branch for in-person assistance with the application.

Note: In certain cases, uploading documents and completing video KYC might be required. Card approvals are at the sole discretion of HDFC Bank.

The HDFC Diners Club Black Metal Edition is one of the strongest premium credit cards available in India today. With a 3.33% base reward rate that can go up to 33.33% on SmartBuy hotel bookings, unlimited lounge access for both primary and add-on cardholders, and 24 complimentary golf games per year, it packs exceptional value into a striking metal card.

The quarterly milestone benefit of 10,000 bonus Reward Points on Rs 4 lakh spend adds another layer of value. The welcome benefits (Club Marriott, Amazon Prime, Swiggy One) make the first year particularly rewarding. At Rs 10,000 + GST annual fee (waivable on Rs 8 lakh spend), it offers tremendous value compared to competitors.

The main considerations are the Diners Club network limitation on offline acceptance and the absence of fuel surcharge waiver. However, for travelers and high spenders who primarily transact online and at metros, these limitations are minor compared to the outstanding reward structure and travel benefits this card delivers.