HDFC
HDFC Diners Club Black Metal Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Get Annual Memberships on Club Marriott, Amazon Prime
and Swiggy One on spending ₹1.5 lakh within the first 90 days
Enjoy Unlimited Lounge Access
at 1,300+ lounges in India and abroad for primary and add-on card members
Best For
Dining
Travel
Joining / Annual Fee
Joining Fees
₹11,800 ( ₹10000 + GST )
Annual Fees
₹11,800 ( ₹10000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
30LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
See if you are eligible for this card
All Card Benefits
- Get 10,000 reward points on spending ₹4L or more in a calendar quarter
- Up to 50 days of interest-free credit from date of purchase
- Contactless payments enabled for ease and security
- Up to 40% flat off on Dineout via Swiggy One
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Flights/Hotels via SmartBuy
- Product Catalouge
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel
EMI Transactions
Cash Withdrawals
School & Educational Services
Government Related Transactions
Wallet Transactions - Load Money Fees
GST Charges
Gambling
Tolls
Security
Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payment
Fuel
EMI Transactions
Cash Withdrawals
School & Educational Services
Government Related Transactions
Wallet Transactions - Load Money Fees
GST Charges
Gambling
Tolls
Security
Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 2% |
APR Fees 3.60% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.20% | 3.60% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A ₹100 fee may be levied for card-related services including cash processing; charges are subject to bank policy and total amount due must still be paid in full | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹600 |
| ₹10,001 – ₹25,000 | ₹800 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Get Annual Memberships on Club Marriott, Amazon Prime
and Swiggy One on spending ₹1.5 lakh within the first 90 days
Enjoy Unlimited Lounge Access
at 1,300+ lounges in India and abroad for primary and add-on card members
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.