HDFC Diners Club Black Metal Edition
HDFC · MASTERCARD★4.8/ 5
✓ Details last verified 1 Jan 2025
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The HDFC Diners Black is India's top cashback-on-premium-rewards card. Earn 10X points on Smartbuy and 5X on dining, travel, and grocery. Complimentary memberships to Club Marriott, Times Prime, and Forbes India make the effective value far exceed the ₹10,000 annual fee.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 5% | — |
| Travel | reward points | 5% | — |
| Online Shopping | reward points | 5% | — |
| International | reward points | 5% | — |
| Other | reward points | 2.50% | — |
Dining: 10X Diners Club Reward Points on dining
Travel: 10X points on travel spends
Online Shopping: 10X points on online spends
International: 10X points on international transactions
Other: 5X Diners Club Reward Points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
Unlimited domestic and international airport lounge access
24 complimentary golf rounds per year
24x7 lifestyle concierge and travel assistance
15,000 bonus points on ₹8L annual spend
Who is this card for?
- 👑Super Premium tier — built for high spenders who want top-end perks.
- 🎯Strongest value if you spend heavily on Dining (5% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓10X reward points on SmartBuy (flights, hotels, Apple)
- ✓Club Marriott, Forbes India, and Times Prime complimentary memberships
- ✓Complimentary Swiggy One membership
- ✓Priority Pass with unlimited lounge access
- ✓2% forex markup
👎 Cons
- ✕High ₹10,000 annual fee requires heavy SmartBuy usage to justify
- ✕Reward value concentrated on HDFC SmartBuy portal
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your hdfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard catalogue & cashback
Up to ₹0.50/pt on travel via SmartBuy
Premium cards (Infinia/Diners Black) — best value
✈ TRANSFER PARTNERS
🔥 Live offers on this card
3 liveTransfer bonuses and promos running right now for this card's rewards.
5X value on SmartBuy flights & hotels
Book flights and hotels via SmartBuy to redeem points at up to ₹0.60/point — far better than statement credit.
Ends 2026-06-30 · view offer ↗
25% bonus transferring to Marriott Bonvoy
Move HDFC Reward Points to Marriott Bonvoy with a 25% bonus — strong value for free-night awards and 5th-night-free stays.
Ends 2026-07-15 · view offer ↗
30% bonus transferring to KrisFlyer
Transfer HDFC Reward Points to Singapore Airlines KrisFlyer and get 30% extra miles — your points stretch much further on premium-cabin redemptions.
Ends 2026-07-31 · view offer ↗
Frequently asked questions
What is the annual fee for the HDFC Diners Club Black Metal Edition?+
The annual fee is Rs 10000.
What is the foreign currency markup?+
The forex markup is 2.00% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 175000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC Diners Club Black Metal Edition are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Guides and reviews related to this card.
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📉 Reward rate changeEffective 1 Oct 2025
HDFC Diners Black SmartBuy accelerated earn is now category-restricted. Dining and grocery spends via SmartBuy earn 5X (down from 10X). Travel and electronics remain at 10X.
10X reward points on SmartBuy (all categories)→10X reward points on SmartBuy (travel and electronics only); 5X on dining and grocery
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