HDFC Diners Club Black Metal Edition credit card
HDFC Bank
Last updated: Dec 30, 2025
₹10,000
₹10,000
2%
No lounge access
Contents
A top-tier metal credit card for frequent travellers and premium spenders. It combines generous lounge access, milestone rewards and premium memberships. Best suited for high-income customers who value travel privileges and milestone bonuses.
Features of HDFC Diners Club Black Metal Edition credit card which makes it unique
Milestone Bonus
High-value quarterly milestone points
Large point bonuses for heavy spenders
Better milestone payout than many premium cards
Premium Memberships
Welcome memberships on meeting spend threshold
Immediate value from streaming/travel memberships
Competitive welcome bundle
Rewards Structure of HDFC Diners Club Black Metal Edition credit card
Base Rewards
baseAll transactions
Standard earn rate across general spends.
Strong base rewards for premium spenders: Earn 5 reward points for every ₹150 spent on all transactions, with no monthly capping, making this one of the strongest base reward rates in India. The true value is maximised when points are redeemed for flights, hotels, or premium partners, where the effective return can be significantly higher than standard cashback cards.
Milestone Rewards
baseQuarterly high spend
Earn 10,000 bonus reward points on ₹4,00,000 spend in a calendar quarter.
Quarterly milestone boost for high spenders: Earn 10,000 bonus reward points on spending ₹4,00,000 in a calendar quarter, over and above base rewards. This milestone significantly improves the effective reward rate for users with consistent high quarterly spends and is best utilised when combined with travel and SmartBuy redemptions.
Welcome Rewards
baseWithin 90 days
Complimentary annual memberships (e.g., Amazon Prime, Club Marriott, Swiggy One / Times Prime) on ₹1.5L spend in 90 days or on first-year fee realization.
Premium welcome benefits for new cardholders: ew cardholders receive complimentary annual memberships on meeting initial spend criteria within 90 days of card issuance. These typically include popular lifestyle and travel platforms such as Amazon Prime, Club Marriott, and Swiggy One, adding strong upfront value in the first year. Benefits and eligibility are subject to issuer terms and may vary by offer cycle
Milestones of HDFC Diners Club Black Metal Edition credit card
Quarterly Milestone
₹4,00,000 : 10,000 reward points
Quarterly spend milestone bonus: Cardholders earn 10,000 reward points on achieving a ₹4,00,000 spend within a single calendar quarter. The milestone resets every quarter, allowing frequent high spenders to maximise bonus rewards multiple times in a year. Eligible spends and reward credit timelines are subject to HDFC Bank’s terms and conditions.
Annual Renewal Waiver
₹8,00,000 : Renewal fee waived for next year
Annual fee waiver milestone: On achieving a total annual spend of ₹8,00,000, the next year’s renewal fee is fully waived. This milestone is calculated on a card anniversary year basis and is ideal for high-spend users who want to offset the premium annual fee through regular usage. Eligible spends and exclusions apply as per HDFC Bank terms.
Fees & Charges of HDFC Diners Club Black Metal Edition credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹10,000 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Renewal fee waived on ₹8,00,000 spend in 12 months.
Fee Explanation Standard fees and charges as per HDFC Bank schedule. Cash advances attract a transaction fee and finance charges.
Detailed Explanation of HDFC Diners Club Black Metal Edition credit card Fees
Joining/Renewal Fee: 10000 (yearly)
Spend ₹8,00,000 in 12 months to get renewal fee waived.
High-Spend Fee Waiver: The ₹10,000 annual fee is waived on achieving ₹8,00,000 total spends within a card anniversary year. This card delivers strong value for high spenders, but users with lower annual spends may find the fee difficult to justify.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per withdrawal.
Avoid Cash Withdrawals: Cash withdrawals attract a high fee of 2.5% (minimum ₹300 per transaction) and interest is charged immediately with no interest-free period. Using
Lounge Access Benefits with HDFC Diners Club Black Metal Edition credit card
domestic Lounges
silverVisits per year: 0
Guest access: Yes
Access to participating lounges in India and worldwide; check bank list.
Spend-based domestic lounge access: Domestic lounge access is not complimentary by default. Cardholders can unlock access only after meeting spend criteria defined by HDFC Bank for the previous quarter. Lounge availability, guest access, and participating airports vary by lounge network and are subject to bank T&Cs.
Insurance Coverage with HDFC Diners Club Black Metal Edition credit card
Travel insurance
₹10,00,000On international trips as per policy T&C
Complimentary international travel insurance: Provides international travel insurance cover up to ₹10,00,000 when the trip is booked using the card. Coverage is subject to policy terms, exclusions, and eligibility conditions defined by the insurer. Benefits typically include medical emergencies, trip delays, and baggage loss, as applicable.X
Purchase protection
₹50,000Within specified days of purchase; check T&C
Purchase protection on card spends: Covers eligible purchases made using the card against theft or accidental damage up to ₹50,000 for a limited period after purchase. Coverage applies only within the specified number of days from the transaction date and is subject to insurer terms, exclusions, and claim conditions.
Additional Features of HDFC Diners Club Black Metal Edition credit card
Contactless Payments
Tap and pay enabled
Fast and convenient tap-to-pay: Supports contactless (NFC) payments for small-value transactions without entering a PIN, as per RBI guidelines and bank limits. Suitable for everyday purchases like groceries, fuel, and dining. PIN may be required once the transaction limit is exceeded or for security checks.
Add-on Cards
Add-on cards available
Subject to bank approval
Share benefits with family: Allows the primary cardholder to issue add-on cards to immediate family members. Add-on card spends are billed to the primary card account and earn rewards as per the card’s applicable reward structure. Spending limits and controls can be managed by the primary cardholder.
Welcome Bonus with HDFC Diners Club Black Metal Edition credit card
Welcome Bonus: annual memberships.
Bonus Conditions: Spend ₹1,50,000 within 90 days of card issuance or upon first-year fee realization; T&C apply.
Application Process for HDFC Diners Club Black Metal Edition credit card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HDFC Bank portal or branch
Start your application: Apply through the HDFC Bank website, mobile app, or by visiting a branch. Existing HDFC customers may see faster processing due to pre-filled details.
Upload KYC and income documents
Submit required documents : Upload KYC documents (PAN, Aadhaar/address proof) and income proof such as salary slips, Form 16, or ITR, as applicable. Self-employed applicants may be asked for additional documents.
Bank performs verification and eligibility checks
Verification in progress: HDFC Bank conducts credit score checks, income validation, and internal eligibility verification. This may include phone or physical verification in some cases.
Card dispatched after approval (timeline per bank)
Card approved: Once approved, the card is dispatched to your registered address. Digital card access may be available instantly via the HDFC app.
Required Documents for HDFC Diners Club Black Metal Edition credit card
ID Proof
allAccepted documents:
Identity verification mandatory: Valid government-issued ID proof is mandatory to verify the applicant’s identity. PAN is compulsory for credit card issuance, while Aadhaar may be used for address verification and KYC completion as per RBI guidelines.
Address Proof
allAccepted documents:
Residential address verification: A valid address proof is required to confirm the applicant’s current residential address. Accepted documents must be recent (usually within the last 3 months) and clearly display the applicant’s name and address. Address details should match the information provided in the application to avoid verification delays.
Income Proof
salariedAccepted documents:
Income eligibility verification: Income proof is required to assess the applicant’s repayment capacity and eligibility for the credit card. Documents should reflect recent and verifiable income, matching the declared income details in the application. Incomplete or outdated documents may lead to delays or rejection.
HDFC Diners Club Black Metal Edition credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted at participating Diners merchants and lounges; acceptance varies by country
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Diners Club Black Metal Edition credit card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹250,000
Minimum annual income
Self-Employed Applicants
₹3,000,000
Minimum annual income
Who Can Apply
Important Conditions
- Avoid this card if you do not meet the high eligibility requirements. With a minimum credit score of ~750 and high income thresholds (₹25L+ salaried or ₹30L+ self-employed), approvals are selective. Applicants with lower income, thin credit history, or recent credit enquiries may face rejection.
How Approval Is Decided
- High minimum income thresholds as specified by HDFC Bank
- Indian resident with valid KYC
- Satisfactory credit profile
Pros of HDFC Diners Club Black Metal Edition credit card
- Strong milestone rewardsHigh-value spend milestones: The card offers attractive milestone rewards for high spenders, including bonus reward points and annual fee waivers on meeting quarterly and yearly spend thresholds.
- Extensive lounge accessPremium airport lounge benefit: Cardholders get access to a wide network of domestic and international airport lounges, often with guest access, making it ideal for frequent travellers.
- Valuable welcome memberships for high spendersPremium welcome benefits: New cardholders can receive complimentary premium memberships such as travel, dining, or lifestyle services upon meeting initial spend conditions, offering strong upfront value.
Cons of HDFC Diners Club Black Metal Edition credit card
- Very high joining/renewal feePremium fee structure: The card comes with a high joining and annual renewal fee, which may not be justified unless the cardholder is able to fully utilise rewards, milestones, and benefits.
- High eligibility income thresholdsStrict eligibility criteria: The card has stringent income and credit profile requirements, making it accessible only to high-income individuals with strong credit histories.
- Limited acceptance of Diners in some international locationsNetwork acceptance limitations: Despite improvements, Diners Club cards may still face limited acceptance in certain international markets compared to Visa or Mastercard.
Frequently Asked Questions about HDFC Diners Club Black Metal Edition credit card
What is the joining/renewal fee?
Joining/renewal fee is ₹10,000 plus applicable taxes. Renewal fee can be waived on meeting spend criteria.
The annual renewal fee may be waived if you meet HDFC Bank’s yearly spend threshold. Spend criteria can vary by customer profile and may change over time, so it’s best to confirm the exact waiver requirement with HDFC before renewal.What is the welcome benefit?
Complimentary annual memberships (e.g., Amazon Prime, Club Marriott, Times Prime / Swiggy One) on spending ₹1.5L within 90 days or upon first-year fee realization.
Welcome memberships are unlocked only after meeting the specified spend within the given timeframe or once the first-year fee is charged. The exact list of eligible memberships may vary and is subject to availability and HDFC Bank’s terms at the time of issuance.How do I earn the quarterly milestone reward?
Earn 10,000 bonus reward points by spending ₹4,00,000 or more in a calendar quarter; points are credited as per bank T&C.
Eligible spends must be completed within a single calendar quarter to qualify for the milestone reward. Excluded transactions and delayed postings may affect eligibility, and reward points are credited after the quarter ends as per HDFC Bank’s terms and conditions.What are the eligibility criteria?
Minimum age 21 years. Salaried applicants typically require net monthly income above ₹2.5 lakhs; self-employed applicants require minimum ITR thresholds as specified by the bank.
Meeting the minimum income or age criteria does not guarantee approval. Final eligibility depends on credit score, existing relationship with HDFC Bank, location, and internal risk policies, which may change from time to time.What is the foreign currency markup?
Foreign currency markup is typically 2% on transactions, as per HDFC's published schedule.
The foreign currency markup is applied on international and foreign-currency transactions and may attract GST on the markup amount. Actual charges can vary slightly due to exchange rate fluctuations and card network settlement timelines.Add Your Review
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