HDFC Bank
HDFC Diners Club Black METAL Credit Card
Unlock luxury with the HDFC Diners Club Black Metal Edition Credit Card. Enjoy premium rewards, unlimited lounge access, and exclusive benefits for travelers.
Highlights
Main benefits
- Unlimited domestic & international airport lounge access.
- Up to 10X rewards on SmartBuy.
- 5 Reward Points per ₹150 spent.
- Complimentary Amazon Prime, Swiggy One & Club Marriott memberships.
- 6 complimentary golf games per quarter.
- Low forex markup of 2%.
Fees
Fees and charges
Joining fee
₹10,000/- plus Applicable Taxes
Renewal fee
₹10,000/- plus Applicable Taxes
Annual fee waiver
Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year.
Who can apply
Eligibility
•Age: 21–60 years (salaried), 21–65 years (self-employed) •Salaried income: ₹2.5 lakh+ net monthly income •Self-employed: ₹30 lakh+ annual ITR •Good credit score and strong repayment history required.
Checklist
Documents required
•PAN Card •Aadhaar/Passport/Voter ID/Driving License •Passport size photo •Address proof •Salary slips or ITR •Bank statement (if required)
Process
How to apply
1. Visit the official HDFC credit card website. 2. Check eligibility. 3. Fill mobile number, PAN, and income details. 4. Upload required documents/KYC. 5. Submit application. 6. After verification and approval, the card is delivered to your address.
Value
Reward and cashback structure
Reward rate
Base rewards: 5 Reward Points per ₹150 spent (~3.3% value back), SmartBuy bookings: Up to 10X rewards on hotels/flights, Weekend dining: 2X reward points.
Cashback
Cashback redemption value: around ₹0.30 per point against statement balance.
Good fit
Pros
- Excellent reward rate for travel and online spending.
- Premium travel & lifestyle benefits.
- Strong lounge access for primary and add-on users.
- Good air miles and hotel redemption value.
Watchouts
Cons
- High annual fee of ₹10,000 + GST.
- Diners Club acceptance can be limited at some offline/international merchants.
- Best value only for high spenders.
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