Premium · Diners Club
Diners Club Black Metal
By HDFC · Diners Club
₹10,000
+ GST
Annual Fee
₹10,000
+ GST
Joining Fee
up to 16.6%
Best Rate
The Verdict
One of HDFC's flagship super-premium cards. Best SmartBuy redemption value at 1 RP = ₹1 (vs ₹0.30 for lower-tier cards). The 75K RP/cycle cap means max ~₹22.5L spend benefits per cycle. Unlimited loun...
Best Suited For
- Premium travelers (unlimited international lounge access)
- High spenders (₹4L+/quarter for milestone bonus)
- Golf enthusiasts (6 free games/quarter)
- Airmiles collectors (1:1 conversion)
- Users wanting best SmartBuy redemption value
Welcome & Onboarding
Benefit 1
Annual memberships of Club Marriott, Amazon Prime and Swiggy One — on ₹1,50,000 spends within first 90 days of card issuance
Airport Lounge Access
Domestic
Unlimited complimentary access for primary and add-on card members
International
Unlimited complimentary access for primary and add-on card members
Reward Rates
SmartBuy Portal (5X Avg) Cap: ₹10,000/month | 16.6% |
Weekend Dining Cap: ₹1,000/day | 6.6% |
Utility/Telecom/Grocery Cap: ₹2,000/month | 3.3% |
Insurance Cap: ₹5,000/day | 3.3% |
Base Spends | 3.3% |
Milestone Rewards
₹4,00,000 or more in a calendar quarter
10,000 Bonus Reward Points
Calendar quarters: Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec
₹8,00,000 in 12 months
Renewal fee waived for next renewal year