Card Details
Diners Club Black Metal Edition Credit Card
Monzy Score
8/ 10
Very good for frequent travellers.
The ~₹10,000 fee needs heavy spend to justify; strong ~12% back in its core category.
Card Issuer
HDFC Bank
Joining Fee
₹10,000
Annual Fee
₹10,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
10X
Reward Points on SmartBuy travel bookings
2X
Reward Points on weekend dining (participating restaurants)
2X
Reward points on weekend dining (participating restaurants)
Benefits
Unlimited lounge access for primary and add-on…
- Premium travel comforts
- Unlimited lounge access to 1,300+ lounges globally
- 6 complimentary golf games every quarter
- 2% markup on foreign currency spends
- Check lounge listings via the Diners Travel Tool App
Up to 10X SmartBuy rewards plus 10k quarterly…
- Accelerated rewards engine
- Up to 10X Reward Points on SmartBuy spends
- 10,000 bonus Reward Points on every ₹4 lakh quarterly spend
- SmartBuy accelerator follows platform-specific terms
2X rewards on weekend dining
Renewal fee waived on ₹8 lakh annual spends
Monthly Ola/BookMyShow/Tata CLiQ vouchers on…
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet
Estimated Returns
All retail spends (base)
5 RP per Rs.150. RP value up to Rs.1 on SmartBuy flights/hotels & 1:1 airmiles; cashback ~Rs.0.30. Max 75,000 RP per statement cycle.
₹999
SmartBuy accelerated (flights/hotels/vouchers etc.)
Up to 10X via SmartBuy; bonus RP capped at 7,500/calendar month (2,500/day). Cap value ~Rs.7,500 at Rs.1/RP.
₹0
Total Annual Return
₹11,988
3.33% Effective ROIWhat Users Are Saying
Community Feed
Jul 2026
“HDFC Diners Club Black Metal Review After 4 Months of”
by r/CreditCardsIndia, Jul 2026
“I received my HDFC Diners Club Black Metal Card today.”
by r/CreditCardsIndia, Jul 2025
“Getting offered a Diners Black Metal Credit Card”
by r/CreditCardsIndia, Jul 2025
“HDFC Diners club Black credit card or”
by r/CreditCardsIndia, Jul 2025
“How to apply for Diners Black ?”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The Diners Club Black Metal Edition Credit Card charges ₹10,000 plus GST as a joining fee and the same ₹10,000 again at renewal. HDFC Bank waives the renewal fee if you spend ₹8L in the previous year, which is about ₹66,667 a month. If your card spend sits below that, treat ₹10,000 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Weekend dining accelerator applies only at participating restaurants.
10,000 bonus Reward Points are earned on spending ₹4 lakh in a calendar quarter.
Reward points are not earned on fuel, EasyEMI, rent payments, government transactions, and e-wallet reloads.
