The HDFC Diners Club Black Metal Edition Credit Card stands out as a top-tier, multi-purpose premium credit card ideal for frequent travellers and high-spending professionals. Scoring an impressive 83/100 from 1 Finance Credit Card Scoring and Ranking, this HDFC credit card targets those who want maximum value across travel, lifestyle, dining, and rewards, backed by robust insurance and unlimited lounge access. Here is a detailed review of the HDFC Diners Club Black Metal Edition Credit Card, covering its fees, reward structure, travel perks, milestone and redemption benefits, important charges, drawbacks, market positioning, and how well it fits your lifestyle.
HDFC Diners Club Black Metal Edition Credit Card joining fees, annual fees
Joining fees: The joining fee for the HDFC Diners Club Black Metal Edition Credit Card is ₹10,000 + GST.
The annual fee, which you need to pay every year, is the same as the joining fee, i.e., ₹10,000 + GST.
Waiver condition: If you spent ₹8 lakh in the previous year, your annual fee will be waived, which means you don’t have to pay your annual fees.
Welcome benefits: If you spend ₹1.5 lakh within 90 days of getting a credit card, you will get complimentary annual memberships to Amazon Prime, Club Marriott, and Swiggy One as welcome benefits.
HDFC Diners Club Black Metal Edition Credit Card reward points and redemption
Reward points are points you earn when you use your credit card, which you can later use to get discounts, vouchers, or book travel.
Base earning rate:
For every ₹150 you spend using the card, you earn 5 reward points. This applies to most regular retail transactions such as shopping, dining, entertainment, etc.
Enhanced categories:
When you make bookings or purchases through HDFC’s SmartBuy portal, you can earn extra points. For example, dining experiences booked via SmartBuy earn 4 times more points, and weekend dining gives you 2 times more.
If you travel often, the card gives 5X points on flight bookings and 10X points on hotel bookings through SmartBuy. Train bookings earn 3X points, and bus bookings on redBus give 5X points.
Accelerated (extra) reward points through SmartBuy are subject to monthly caps, meaning you can earn bonus points only up to a certain limit each month. Once you cross that limit, you’ll earn regular base points again.
Where you earn no reward points:
You will not earn any reward points on fuel purchases, rent payments, wallet loads beyond specified limits, or government-related transactions, and the reward points on insurance premium payments are subject to a capped limit.
How to redeem reward points
You can redeem your HDFC Diners Club Black Metal Edition Credit Card reward points in several convenient ways, depending on what gives you the best value.
- Catalogue: For premium catalogue redemptions, each reward point is worth ₹1
- Flight/Hotel bookings: If you prefer travel benefits, you can use your reward points to book flights and hotels through HDFC SmartBuy, where 1 reward point equals ₹1, making it one of the most rewarding redemption options.
- Airmiles conversion: You can also convert your points into AirMiles with selected airline partners at a 1:1 ratio, meaning one Reward Point equals one AirMile.
- Vouchers: Another option is to redeem them for gift vouchers from popular brands, again at a value of ₹1 per point for select vouchers.
- Statement credit: While it is possible to use your points as statement credit to reduce your card bill, this option generally offers a lower redemption value compared to other methods and is not the most efficient way to use your rewards.
It is important to note that your reward points remain valid for three years from the date they are earned, after which they expire if not redeemed.
A credit card should align with your overall finances, not just offers. Talk to our Qualified Financial Advisor to choose the right card for your spending habits and long-term plans.
HDFC Diners Club Black Metal Edition Credit Card lounge access and travel benefits
The HDFC Diners Club Black Metal Edition Credit Card offers a comprehensive travel privilege package available in India. You can enjoy unlimited complimentary access to domestic airport lounges across the country, not just for yourself but also for add-on card members.
For international travel, the card provides unlimited lounge access worldwide at over 1,300 partner lounges, ensuring comfort and convenience no matter where you fly. This benefit also extends to add-on cardholders, allowing both primary and secondary members to enjoy the same level of access without additional charges or complicated restrictions.
Cardholders get ₹2 crore air accident insurance, a safety benefit that provides financial protection to his/her family in case of death or permanent disability caused by an air travel accident. Moreover HDFC Diners Club Black Metal Edition Credit Card offers ₹50 lakh overseas emergency hospitalisation cover, ₹55,000 coverage for delayed baggage, and up to ₹9 lakh protection for lost card liability. Together, these benefits create a strong safety net for both domestic and international trips.
This coverage applies to both domestic and international flights, provided the ticket was booked using the same credit card.
Also read : HDFC Regalia Gold Credit Card review 2025: Premium, but not quite
HDFC Diners Club Black Metal Edition Credit Card milestone benefits
With HDFC Diners Club Black Metal Edition Credit Card you can earn 10,000 bonus reward points by spending ₹4 lakh or more within that three-month period every calendar quarter.
These points are over and above your regular earnings, making it especially beneficial for those with high quarterly spending on travel, dining, or lifestyle categories.
In addition, this HDFC credit card offers an annual fee waiver when your total yearly spending reaches ₹8 lakh. This threshold is higher compared to earlier versions of the card, but it effectively turns the card into a lifetime-free option for those who consistently spend at that level. Together, these quarterly and annual milestones add strong long-term value and make the card particularly attractive for frequent users.
Important Charges of HDFC Diners Club Black Metal Edition
| Fee Type | Details |
| Finance Charge | 23.88% per annum |
| Balance Transfer Fee | 1% of amount or ₹250, whichever higher |
| ATM Withdrawal Fee | 2.5% or ₹500 minimum per transaction |
| Conversion Charges | EasyEMI—processing fees up to ₹999 |
| Late Fees | As per bank slabs—varies by outstanding |
| Overlimit Charges | 2.5% of overlimit (min ₹550) |
| Payment Return Charges | 2% of payment (min ₹450) |
Limitations and drawbacks of HDFC Diners Club Black Metal Edition Credit Card
While the HDFC Diners Club Black Metal Edition Credit Card is one of the most premium offerings in India, it does come with a few limitations.
The first major drawback is the reward cap. Even though the card offers high multipliers through SmartBuy and partner platforms, there is a monthly limit of 75,000 reward points, beyond which no additional points are earned. SmartBuy redemptions are also subject to daily and monthly usage limits, which can restrict frequent travelers or heavy spenders from maximising their earnings.
Another limitation lies in excluded or low-reward categories. You don’t earn any reward points on fuel purchases, and certain categories like government payments, insurance premiums, and gaming transactions come with either reduced rewards or strict caps.
The card charges a foreign exchange markup of 1.99%, which is lower than most premium cards that charge around 3.5%, but not the absolute lowest available in the market. For users who travel frequently abroad, this may still add noticeable costs.
In terms of lifestyle benefits, the card offers 24 complimentary golf rounds per year but does not include free golf lessons, which are typically offered on a few competing premium cards.
Lastly, one practical limitation is acceptance. Diners Club cards are not as widely accepted as Visa or Mastercard, particularly outside India. This may cause occasional inconvenience when traveling internationally or making online payments on select platforms.
Overall, while the card excels in rewards and travel privileges, these limitations make it better suited for users who can plan their spending strategically and supplement it with a backup card for universal acceptance.
Where does HDFC Diners Club Black Metal Edition Stand Against Competitors?
The HDFC Diners Club Black Metal Edition Credit Card is positioned among India’s elite premium cards, competing closely with HDFC Infinia, Axis Magnus, and Amex Platinum. It offers excellent rewards through SmartBuy, unlimited lounge access (including for add-on members), and comprehensive insurance protection. While its global acceptance is more limited than Visa or Mastercard, it remains a powerful choice for high domestic spenders and frequent travelers who maximise SmartBuy benefits.
HDFC Diners Club Black Metal Edition Credit Card vs. HDFC Infinia Credit Card vs Axis Magnus Credit Card vs Amex Platinum Card
| Feature | Diners Club Black Metal Edition | HDFC Infinia Metal | Axis Magnus | Amex Platinum |
| Annual Fee | ₹10,000 + GST | ₹12,500 + GST | ₹4,500+ | ₹70,000+ |
| Fee Waiver | ₹8 lakh annual spend | ₹10 lakh | ₹15 lakh+ | Invite-only |
| Base Reward Rate | 3.3% | 3.3% | 1.5-4.2% | 1 MR Point/₹40 |
| Max Reward | 10X SmartBuy (up to 33% on hotels) | 10X SmartBuy (33%) | 5X partners | N/A |
| Domestic/Intl Lounge Access | Unlimited (add-on included) | Unlimited | Priority Pass | Unlimited |
| Insurance Coverage | Superior/Comprehensive | Comprehensive | Good | Superior |
| Acceptance | Diners (India focus; limited int’l) | Visa/MC global | Visa/MC | Global (Amex) |
Relative position: Ultra-premium, best for India-based high spenders maximiSing the SmartBuy portal, regular travelers, and those valuing luxury privileges.
Also read : ICICI Bank Sapphiro Credit Card review 2025: Eligibility, rewards, other benefits, should you get it?
Overall assessment of HDFC Diners Club Black Metal Edition Credit Card
The HDFC Diners Club Black Metal Edition Credit Card is a true all-rounder for the premium segment, with strengths in unlimited global lounge access, high SmartBuy reward multipliers (up to 10X/33%), milestone bonuses, best-in-category insurance, and bundled luxury memberships. Major weaknesses are relatively high spend requirements for a fee waiver, occasional card acceptance issues abroad, and caps/exclusions in some spending areas. Best-fit users are high-income, high-spend frequent flyers able to leverage the SmartBuy ecosystem and premium lifestyle perks.
A credit card should align with your overall finances, not just offers. Talk to our Qualified Financial Advisor to choose the right card for your spending habits and long-term plans.
How to decide if Diners Club Black Metal Edition Credit Card is right for you
Might be suitable for you
- High-income regular travelers maximising lounge use
- Shoppers spending heavily via SmartBuy brands, hotels, and travel
- Users valuing luxury memberships, insurance, and golf rounds
Might not be suitable for you
- Users with low annual spend or who shop mainly at outlets without Diners acceptance
- Frequent international travelers needing universal acceptance outside India
- Category spenders on excluded or capped transactions (fuel, rent, some insurance, etc.)
