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
The HDFC Diners Club Black Metal Credit Card stands as one of the most rewarding super-premium credit c...
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The HDFC Diners Club Black Metal Credit Card stands as one of the most rewarding super-premium credit c...
The HDFC Diners Club Black Metal Credit Card stands as one of the most rewarding super-premium credit cards in the Indian market. Built for high-net-worth individuals, this card offers a straightforward value proposition where one reward point equals exactly one rupee. If you travel frequently, dine out often, and spend heavily across categories, this card gives you exceptional returns on your daily expenses.
Unlike standard entry-level cards that confuse you with complex reward conversions, the Diners Club Black Metal card keeps the math simple. When you book flights or hotels via the HDFC SmartBuy portal, you can use your points to cover up to 70 percent of your booking cost. This card works best for users who easily clear the Rs. 8 lakh annual spending threshold, which automatically wipes out the Rs. 10,000 annual fee.
View FAQ
Commonly Asked Questions
Is the HDFC Diners Club Black Metal Credit Card lifetime free?
No, this card carries a joining fee of Rs. 10,000 and an annual fee of Rs. 10,000. However, the bank waives the annual fee if you spend Rs. 8 lakh or more in the previous year.
Who should apply for this card?
This card targets high-income earners who make at least Rs. 2.5 lakh per month. It is perfect for frequent travelers who want unlimited lounge access and high reward rates on SmartBuy travel bookings.
Is this a good first credit card?
No, this is a super-premium card requiring a high minimum income and an excellent credit score of 750 or above. Beginners should start with an entry-level card to build their credit history first.
What makes this card different from competitors?
The direct 1 to 1 reward point value makes it unique. Earning 10,000 points literally means you have Rs. 10,000 to spend on the SmartBuy rewards catalogue, eliminating complex point-to-rupee conversions.
Expert Review
The HDFC Diners Club Black Metal Credit Card is a powerhouse for travel and dining, but it requires a very specific type of user to extract its full value. I highly recommend this card if you are someone who routinely books business class flights or luxury hotels. The ability to use reward points to cover 70 percent of your booking value on SmartBuy at a flat Rs. 1 value per point makes the math effortless and incredibly lucrative.
However, I cannot ignore a major flaw in this super-premium product: the 3.5 percent forex markup. For a card targeting high-net-worth global travelers, a 3.5 percent fee is painfully high when competitors like ICICI Emeralde Metal and Axis Reserve offer 1.5 percent. If you plan to swipe your card constantly in boutiques in London or restaurants in Dubai, this markup will erase a massive chunk of the rewards you earn. Ultimately, if you spend Rs. 8 lakh annually to waive the fee and do your heavy spending within India or on Indian travel portals, this card is phenomenal. If your spends are heavily international offline, you should look elsewhere.
Joining / Annual Fee
Joining Fees
₹11,800 ( ₹10000 + GST )
Annual Fees
₹11,800 ( ₹10000 + GST )
Holding a metal super-premium card comes with significant costs, but the bank provides a clear path to ...
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Holding a metal super-premium card comes with significant costs, but the bank provides a clear path to ...
Holding a metal super-premium card comes with significant costs, but the bank provides a clear path to make it free for heavy spenders. The initial joining fee for the card is Rs. 10,000 plus applicable taxes. This fee hits your first statement after card issuance. The joining fee is a mandatory one-time charge, though the welcome benefits like Prime and Swiggy memberships soften the blow.
From the second year onward, you face an annual renewal fee of Rs. 10,000. However, the bank completely waives this fee if you spend Rs. 8 lakh or more on the card in the preceding year. Let us look at the math: to hit Rs. 8 lakh in a year, you need an average monthly spend of roughly Rs. 66,667. For the target demographic of this card, running household expenses, travel bookings, and dining through this card makes hitting that waiver threshold highly achievable.
View FAQ
Commonly Asked Questions
What is the joining fee for this card?
The joining fee is Rs. 10,000 plus applicable GST, charged when the card is first issued to you.
What is the annual renewal fee?
From the second year onwards, the bank charges an annual renewal fee of Rs. 10,000 plus taxes.
How can I get the annual fee waived?
The annual fee is waived if you spend Rs. 8 lakh or more in a year on your card, as per bank policy.
Does paying rent count toward the Rs. 8 lakh waiver milestone?
No, rent and utility payments are strictly excluded from the Rs. 8 lakh annual fee waiver spending threshold.
If I spend Rs. 7.5 lakh, do I get a partial fee waiver?
No, fee waivers are absolute. If you fall short of the Rs. 8 lakh target, you will be charged the full Rs. 10,000 annual fee.
Is there any way to waive the initial Rs. 10,000 joining fee?
The joining fee is mandatory and cannot be waived, as the value is recovered through the premium annual memberships provided upon hitting the 90-day spend target.
Does the fee waiver apply to add-on cards?
Spends from add-on cards contribute directly to the primary cardholder's Rs. 8 lakh milestone for the annual fee waiver.
When is the annual fee charged to my account?
The annual fee is usually billed in the statement corresponding to your card anniversary month.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
30LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
Because the HDFC Diners Club Black Metal Credit Card is a top-tier financial product, the bank enforces...
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Because the HDFC Diners Club Black Metal Credit Card is a top-tier financial product, the bank enforces...
Because the HDFC Diners Club Black Metal Credit Card is a top-tier financial product, the bank enforces strict eligibility requirements. The age requirement spans from 21 to 60 years for salaried individuals, while self-employed applicants have a slightly extended maximum age limit up to 65 years. You must be at least 21 years old to apply regardless of your employment type.
The income requirement acts as the primary filter for this card. Both salaried professionals and self-employed individuals must demonstrate an income of Rs. 30 lakh annually, which breaks down to Rs. 2,50,000 per month. If you earn Rs. 1.5 lakh a month, your application will likely be directed toward a lower-tier card. Furthermore, you need a strong credit history. The bank looks for a minimum CRIF or CIBIL score of 750. A clean payment record with existing loans and credit cards is mandatory to pass the automated checks.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
You must be at least 21 years old to apply for the primary card, whether you are salaried or self-employed.
What is the maximum age limit for applicants?
The maximum age limit is 60 years for salaried employees and 65 years for self-employed professionals.
What is the exact minimum monthly income required?
You need a minimum monthly income of Rs. 2,50,000. This applies equally, translating to an annual income requirement of Rs. 30 lakh.
What credit score do I need for approval?
You need a minimum CRIF or credit score of 750 to qualify for this card.
Can self-employed business owners apply?
Yes, both salaried and self-employed individuals are eligible, provided they meet the Rs. 30 lakh annual income and 750 credit score requirements.
Will my application be rejected if I earn Rs. 20 lakh annually?
Yes, since the strict minimum is Rs. 30 lakh annually, an income of Rs. 20 lakh will not meet the eligibility criteria for this specific metal variant.
Can I get this card if I don't have an existing credit history?
It is highly unlikely. Since the bank requires a CRIF score of 750, you must have an established credit history to generate this score.
Does the bank offer alternative cards if I don't meet these strict criteria?
Yes, the bank reserves the right to offer you a different card variant based on your eligibility profile if you fall short of the Metal card requirements.
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
Welcome Benefits
When you get the HDFC Diners Club Black Metal card, the bank rewards you for your i...
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Welcome Benefits When you get the HDFC Diners Club Black Metal card, the bank rewards you for your i...
Welcome Benefits
When you get the HDFC Diners Club Black Metal card, the bank rewards you for your initial spending. If you spend Rs. 1.5 lakh within the first 90 days of card issuance, you receive complimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One.
To hit this target, you need to spend roughly Rs. 50,000 per month for the first three months. By doing so, you secure free deliveries via Swiggy One, entertainment and fast shipping via Amazon Prime, and luxury hotel dining discounts through Club Marriott. These memberships easily offer thousands of rupees in value right from the start.
Reward Points Structure
The reward system on this card is highly lucrative for heavy spenders. The base reward value is powerful because 1 Reward Point equals Rs. 1. You can accelerate these earnings massively by booking travel through the HDFC SmartBuy portal, where you can earn up to 10X reward points.
Additionally, the card features a quarterly milestone bonus. If you spend Rs. 4 lakh or more in a single calendar quarter, you receive 10,000 bonus reward points. Because of the 1 to 1 conversion rate, those 10,000 points equal Rs. 10,000 in pure value. If you spend exactly Rs. 4 lakh in a quarter, this bonus alone gives you an extra 2.5 percent return on your spending.
Airport Lounge Access and Travel Insurance
Frequent flyers gain massive value from the travel features of this card. Primary and add-on cardholders enjoy unlimited airport lounge access to over 1300 lounges worldwide. Whether you take 5 flights a year or 50, you will never have to pay for airport food or comfortable seating again.
The card also secures your trips with robust insurance. You get an air accident insurance cover worth Rs. 2 crore, an emergency overseas hospitalization cover of Rs. 50 lakh, and a baggage delay cover up to Rs. 55,000 for international flights. If your bags are delayed beyond 8 hours, the insurance pays out capped at 10 USD per hour, giving you immediate funds to buy essential clothing and toiletries.
Dining Benefits
Food lovers can extract significant savings through the dining program. First, you earn 2X Reward Points on weekend dining at standalone restaurants. This means you earn 10 Reward Points for every Rs. 150 spent. If you spend Rs. 3,000 on a Saturday dinner, you earn 200 points, which equals Rs. 200 in value.
You also receive up to 40 percent flat off on Dineout via Swiggy One. Additionally, the bank provides two Rs. 150 Dineout coupons every month for restaurant bills exceeding Rs. 1,500. This combination makes eating out much more affordable.
Bank Offers and SmartEMI
The card provides a built-in feature to manage your cash flow effectively. If you make a large purchase, you have the ability to convert that transaction into SmartEMI after the purchase is complete. If you buy a laptop for Rs. 80,000 and decide you prefer to pay it off over six months, you can trigger this option directly through your net banking dashboard.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You must spend a minimum of Rs. 1.5 lakh on your card within 90 days of receiving it. Once you hit this milestone, you qualify for the complimentary annual memberships.
What memberships are included in the welcome package?
The package includes annual subscriptions to Amazon Prime, Swiggy One, and Club Marriott. These provide free deliveries, entertainment, and premium dining discounts.
When will I receive the welcome benefit after hitting the spend target?
Vouchers for these memberships are delivered via SMS or email within 90 days of meeting the spending milestone.
Do I get the welcome benefits every year?
These welcome memberships are provided for the first year only; subsequent renewals require meeting specific annual spend milestones or paying the standard renewal fees.
What is the value of 1 reward point in rupees?
Each reward point holds an exact value of Rs. 1. If you accumulate 5,000 reward points, you have exactly Rs. 5,000 worth of value to spend on flights or hotels.
How do I earn the 10,000 bonus reward points?
You must spend Rs. 4 lakh or more within a single calendar quarter. Once you cross this threshold, the bank credits 10,000 bonus points to your account.
How do the 10X reward points work on SmartBuy?
When you book flights or hotels through the HDFC SmartBuy portal using this card, you earn up to 10 times the standard reward points on your transaction amount.
Do I earn reward points on fuel purchases?
No, fuel transactions are entirely excluded from earning reward points on this card.
Do rent payments earn reward points?
No, rent payments fall under the exclusion list and will not earn any reward points.
Are school and educational fees eligible for rewards?
No, payments made for school and educational services are explicitly excluded from earning reward points.
Do I earn points when paying utility bills?
No, utility bill payments like electricity, gas, and water are excluded and do not accumulate reward points.
What happens to my reward points if I miss my credit card payment?
The bank freezes your reward points balance until the total amount due is cleared, and accounts in default for more than 90 days face permanent forfeiture of all accumulated points.
How many free airport lounge visits do I get?
You get completely unlimited airport lounge access globally. There is no cap on the number of times you can visit a participating lounge.
Do add-on cardholders also get unlimited lounge access?
Yes, the unlimited lounge access benefit extends to both the primary cardholder and any registered add-on cardholders.
What does the travel insurance cover?
It covers air accidents up to Rs. 2 crore, emergency overseas hospitalization up to Rs. 50 lakh, and international flight baggage delays beyond 8 hours up to Rs. 55,000.
Do I get airport railway or cab benefits with this card?
No, this card explicitly does not offer any benefits in the airport railway, general railway, cab, or bus booking categories.
How many points do I earn on weekend dining?
You earn 10 Reward Points for every Rs. 150 spent on weekend dining at standalone restaurants, which is double the standard reward rate.
What discount do I get through Swiggy Dineout?
You get a flat discount of up to 40 percent on Dineout when accessed through your Swiggy One membership.
How do the monthly Dineout coupons work?
You receive two coupons worth Rs. 150 each month. You can apply these coupons to any Dineout bill that crosses the Rs. 1,500 minimum threshold.
Does the 2X dining reward apply to restaurants inside hotels?
The 2X reward points apply strictly to standalone restaurants; dining outlets located inside hotels are excluded from the accelerated reward rate.
Can I convert my purchases into EMI?
Yes, the card offers the ability to convert large transactions into SmartEMI after you make the purchase.
Is there an interest charge for SmartEMI?
Yes, the bank charges an annual interest rate ranging from 15% to 18% for EMI conversions depending on the tenure selected.
Are all transactions eligible for SmartEMI?
Transactions for gold, jewelry, fuel, and cash withdrawals are strictly ineligible for EMI conversion.
Do I still earn reward points if I convert a transaction to EMI?
No, EMI transactions are listed under the exclusions and will not earn any reward points.
Milestone Benefits
40000 reward points(Worth ~ ₹40,000)
Spend ₹4,00,000 in 90 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Flights/Hotels via SmartBuy
- Product Catalouge
To check redemption catalogue
Redeeming points on the Diners Club Black Metal card is a highly rewarding process because the bank doe...
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Redeeming points on the Diners Club Black Metal card is a highly rewarding process because the bank doe...
Redeeming points on the Diners Club Black Metal card is a highly rewarding process because the bank does not charge any reward redemption fees. You keep 100 percent of the value you earn. The primary redemption avenue is the HDFC SmartBuy portal (https://offers.smartbuy.hdfcbank.com/v1/diners). Here, your reward points shine with an exact 1 Reward Point to Rs. 1 conversion ratio.
For example, if you accumulate 20,000 points over six months, you possess Rs. 20,000 in redemption power. You can log into SmartBuy, search for a flight ticket costing Rs. 25,000, and use your points to cover up to 70 percent of that booking value. In this scenario, you could apply 17,500 points to instantly knock Rs. 17,500 off the ticket price, paying only the remaining Rs. 7,500 out of pocket. This seamless digital process happens entirely online without calling customer care.
View FAQ
Commonly Asked Questions
Where do I go to redeem my reward points?
You need to visit the specific HDFC SmartBuy portal for Diners Club (https://offers.smartbuy.hdfcbank.com/v1/diners) to view the redemption catalogue and book travel.
Is there a fee to redeem my reward points?
No, there is absolutely zero fee charged when redeeming reward points on this card.
What is the maximum amount of a flight ticket I can pay with points?
You can redeem your reward points to cover a maximum of 70 percent of your total flight or hotel booking value on SmartBuy.
What happens to the remaining 30 percent of the booking cost?
You must pay the remaining balance, which is at least 30 percent of the total cost, using your Diners Club Black Metal credit card.
Can I redeem points for cashback against my statement?
Yes, points can be redeemed for statement credit at a conversion ratio of 1 Reward Point = Rs. 0.30.
Do my accumulated reward points ever expire?
Reward points on the Diners Club Black Metal card are valid for exactly 3 years from the date of accumulation.
What happens to my unredeemed points if I close the card?
If you close your credit card account, all unredeemed reward points are immediately forfeited. Always redeem your balance before initiating cancellation.
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
To maximize this card, you must understand exactly where it will not reward you. The bank maintains a s...
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To maximize this card, you must understand exactly where it will not reward you. The bank maintains a s...
To maximize this card, you must understand exactly where it will not reward you. The bank maintains a strict list of transaction types that are completely excluded from earning reward points. If you use this card for Rent Payments, Fuel, EMI Transactions, Cash Withdrawals, or Utility Bill Payments, you earn zero points. Even paying for School & Educational Services or Government Related Transactions yields nothing.
The exclusions go further. Wallet Transactions (including load money fees), GST Charges, Gambling, Tolls, Security deposits, Broker Services, Charity donations, Railways bookings, Balance Transfers, and Financial Charges are all excluded. Let's look at a practical example: If you pay Rs. 40,000 for your child's school fee and Rs. 5,000 for electricity, that Rs. 45,000 spend will not earn a single reward point. Furthermore, using this card for rent incurs a 1 percent fee on top of earning zero rewards, making it a poor choice for property payments.
View FAQ
Commonly Asked Questions
Which daily transactions do not earn reward points?
Daily spends like fuel, utility bill payments, and toll charges are completely excluded from earning any reward points.
Do I earn rewards when I pay rent with this card?
No, rent payments are explicitly excluded from earning reward points. Furthermore, a 1 percent fee is charged on the transaction amount.
Will I earn points if I load money into Paytm or Amazon Pay wallets?
No, wallet transactions and load money fees are entirely excluded from the reward program.
Are school and college fee payments excluded?
Yes, all payments categorized under School & Educational Services will not generate any reward points.
Do EMI conversions earn reward points?
No. If you buy a phone and convert it into an EMI transaction, you forfeit the reward points for that purchase.
Are train tickets booked on IRCTC eligible for rewards?
No, transactions categorized under Railways are fully excluded from the reward earning structure.
What happens if I use the card on a gambling or betting site?
Gambling transactions are treated as cash advances and incur immediate interest charges along with a 2.5% cash advance fee; they do not earn reward points.
Does the bank charge extra if I pay rent multiple times?
Yes, a 1 percent fee is applicable on rental transactions from the second rental transaction onwards in the same calendar month.
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 |
When dealing with a super-premium card, understanding the fee structure is just as important as knowing...
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When dealing with a super-premium card, understanding the fee structure is just as important as knowing...
When dealing with a super-premium card, understanding the fee structure is just as important as knowing the rewards. Compared to other cards in its tier, the Diners Club Black Metal has standard joining fees but features a higher-than-average forex markup, making it crucial to know exactly what you are paying for.
The Joining Fee for this card is Rs. 10,000 plus taxes. This is a mandatory one-time fee hit your first statement after issuance, and the value is recovered through premium welcome memberships upon meeting the 90-day spend target.
The Annual or Renewal Fee is Rs. 10,000 plus taxes, charged from the second year onwards. The bank fully waives this fee if you spend Rs. 8 lakh or more in a calendar year. If your average monthly spending hits Rs. 66,667, you will never pay this renewal fee.
The APR or Interest Rate on unpaid balances is 3.75 percent per month, which equates to an annual rate of 45 percent. If you fail to clear your bill and leave an outstanding balance of Rs. 10,000, the bank will charge you approximately Rs. 375 in pure interest for just one month, plus applicable taxes.
The Late Payment Charge is tiered based on your outstanding amount. It ranges from Rs. 0 for balances under Rs. 100, up to a maximum penalty of Rs. 1,300 for balances above Rs. 50,000. If you forget to pay a Rs. 3,000 bill, you will face a late fine of Rs. 600.
The Foreign Transaction or Forex Markup Fee is 3.5 percent. This applies to international POS payments and online purchases charged in foreign currency. If you travel to Dubai and swipe your card for equipment worth Rs. 1,00,000 (converted), you will pay an extra Rs. 3,500 purely as a forex markup fee.
The ATM Cash Withdrawal Fee is a steep 2.5 percent of the withdrawn amount, subject to a minimum charge of Rs. 500. If you use this credit card to withdraw Rs. 10,000 from an ATM, the bank will immediately charge you Rs. 500 as a cash advance fee, plus interest starts accruing instantly from day one.
The Rent Payment Convenience Fee is 1 percent of the transaction amount. If you use a platform to pay Rs. 30,000 for your house rent, the bank will levy a Rs. 300 fee on top of any charges the platform itself applies, and you earn zero reward points.
The Railway/Rental Surcharge states a 1 percent fee is applicable on rental transactions from the second rental transaction onwards in the same calendar month. If you pay rent twice in one month for Rs. 20,000 each, the second transaction will trigger an additional Rs. 200 fee.
The Cash Payment Fee is Rs. 100. If you walk into a branch and hand over physical cash to clear your credit card bill, the bank will add a Rs. 100 penalty to your next statement. Always pay digitally via net banking to avoid this.
The Cheque Payment Fee is Rs. 25 for outstation cheques up to Rs. 5,000, and Rs. 50 for amounts above Rs. 5,000. If you mail an outstation cheque for Rs. 10,000 to clear your bill, you will pay a Rs. 50 processing fee.
The Reward Redemption Fee is Not Applicable. No fee is charged when redeeming reward points on this card. If you redeem 5,000 points, you get the full value without losing Rs. 99 to a processing charge.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 10,000 |
| Annual Fee | Rs. 10,000 (Waived on Rs. 8 Lakh spend) |
| Interest Rate (APR) | 3.75% per month |
| Late Payment Fee | Rs. 0 to Rs. 1,300 based on slab |
| Forex Markup | 3.5% |
| Cash Withdrawal | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% |
| Cash Payment Fee | Rs. 100 |
| Reward Redemption Fee | Nil |
View FAQ
Commonly Asked Questions
What is the joining fee for this card?
The joining fee is Rs. 10,000 plus applicable taxes.
Is there an annual fee waiver based on spending?
Yes, the Rs. 10,000 annual fee is completely waived if you spend Rs. 8 lakh or more in a year on your card.
What is the interest rate if I don't pay my full balance?
The bank charges an interest rate of 3.75 percent per month on unpaid balances.
How is the interest calculated on outstanding balances?
If you fail to clear your bill within the 20 to 55 day interest-free period, the 3.75 percent monthly interest is calculated daily on the outstanding amount from the date of purchase.
What are the late payment charges?
Late fees range from Rs. 0 for balances under Rs. 100 up to Rs. 1,300 for balances above Rs. 50,000.
Is the late payment fee different based on the outstanding amount?
Yes, it follows a strict slab system. For instance, a balance between Rs. 1,001 and Rs. 5,000 attracts a Rs. 600 fine.
What is the forex markup for international transactions?
A 3.5 percent forex markup is charged on transactions made in currencies other than INR.
Can I withdraw cash using my credit card?
Yes, but it is highly discouraged. A 2.5 percent fee of the withdrawn amount is charged immediately.
What are the cash withdrawal charges and limits?
The fee is 2.5 percent of the amount, subject to a minimum of Rs. 500. Interest also starts accruing immediately on the withdrawn cash.
Are there fees for paying rent with this card?
Yes, a 1 percent fee is applied to the transaction amount when you use the card to pay rent.
Is there a fee for paying my bill in cash?
Yes, depositing cash at a branch to pay your credit card bill incurs a flat Rs. 100 fee.
What are the charges for cheque payment of bills?
Outstation cheques attract a fee of Rs. 25 for amounts up to Rs. 5,000, and Rs. 50 for amounts above Rs. 5,000.
Is there a fee to redeem my reward points?
No, there is zero fee charged when redeeming your reward points.
What are the card replacement charges for lost or stolen cards?
Replacing a lost or stolen metal card carries a fee ranging from Rs. 1,000 to Rs. 1,500 plus taxes.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What primary identity document is mandatory?
A valid physical PAN card is absolutely mandatory for the application and the Video KYC process.
What can I use for address proof?
You can use your Aadhaar card, valid passport, voter ID, or driving license as proof of address.
What income proof do salaried applicants need?
Salaried individuals must submit their latest 2 to 3 months of salary slips and recent bank statements showing salary credits.
What income proof is required for self-employed applicants?
Self-employed applicants need to provide their latest Income Tax Returns (ITR) and audited financial statements to prove the Rs. 30 lakh annual income.
Can I use a digital PAN card on my phone for Video KYC?
No, the bank agent requires you to show the original physical hard copy of your PAN card directly to the camera during the video call.
Do I need a passport size photograph?
For digital applications with Video KYC, a live photo is captured. If doing physical KYC, you will need recent passport-size photographs.
Who Should Get This Card?
You should get this card if you are a high-income earner who reliably spends over Rs. 8 lakh a year, which guarantees you will never pay the Rs. 10,000 annual fee. It is a fantastic choice if you travel heavily and want unlimited lounge access without tracking quarterly visit limits. If you are comfortable booking your flights and luxury hotels through a dedicated portal (SmartBuy) rather than direct airline websites, you will maximize the 10X reward multipliers.
Conversely, you should NOT get this card if your primary goal is offline international spending, as the 3.5 percent forex fee will eat into your savings. It is also the wrong choice if your income is below Rs. 30 lakh per year or if your main expenses revolve around fuel, rent, and utilities, as these categories are completely excluded from earning rewards.
Credit Limit and What to Expect
Given the rigorous Rs. 30 lakh annual income requirement, applicants approved for this card can expect substantial credit limits. Banks assess your monthly income, existing debt obligations, and credit score to assign the final limit. A high limit ensures you can comfortably book expensive international flights or pay for premium hotel stays without hitting your ceiling. Over time, consistent high spending and timely repayments often trigger automatic limit enhancement offers from the bank.
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Commonly Asked Questions
What starting credit limit can I expect?
Based on the Rs. 2.5 lakh monthly income requirement, you can expect a starting credit limit ranging from Rs. 5 lakh to Rs. 8 lakh.
Can I request a higher credit limit later?
Yes, after 6 to 12 months of consistent usage and full bill payments, you can submit fresh income documents to request a limit increase.
Does checking my limit impact my credit score?
Simply viewing your assigned limit does not hurt your score. However, formally applying for a limit enhancement may trigger a hard inquiry.
What happens if I spend more than my credit limit?
Transactions exceeding your limit may be declined. If approved, the bank levies an over-limit penalty of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Can I set a daily spending limit for security?
Yes, you can use the bank's mobile app or net banking portal to set transaction limits for domestic, international, and online spends.
Does the add-on card have a separate limit?
No, add-on cards share the primary credit limit. However, you can usually set sub-limits on the add-on cards through the banking app.
How to Apply?
Applying for the HDFC Diners Club Black Metal Credit Card involves a digital-first process. You can start the application directly on the bank's official website. You will need to provide your personal details, employment information, and PAN number to generate an initial eligibility check. Once the system verifies your basic profile, you proceed to document submission and identity verification.
The fastest way to complete the process is through Video KYC. Ensure you have your original physical PAN card handy and sit in a well-lit room with a stable internet connection. The bank requires you to be physically present in India during the call. After a successful Video KYC session, the bank typically processes the final approval within a few business days.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the official bank website, partner financial platforms, or by visiting a physical branch.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process over a video call. It is highly recommended as it speeds up approval, though physical KYC remains an alternative option.
What do I need for a successful Video KYC call?
Keep your original physical PAN card and Aadhaar card ready. Ensure you are in a bright room with a solid internet connection to avoid call drops.
How long does the approval process take?
Digital applications with a successful Video KYC are processed and completed within 7 to 10 working days.
Can I track my application status?
Yes, the bank provides an Application Reference Number via SMS. You can use this number on the bank's tracking portal to see your exact status.
What happens if my Video KYC fails?
If the video call disconnects or fails verification, the bank will usually prompt you to reschedule or arrange for a representative to collect physical documents.
That’s the full story of this credit card
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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
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