HDFC Diners Club Black Metal

The HDFC Diners Club Black Metal Credit Card is a super-premium offering from HDFC Bank, crafted for high-income individuals who demand the best in travel, dining, and lifestyle privileges. Built from metal, it combines an impressive lounge-access programme with one of the highest reward rates available on an Indian credit card. If you spend significantly on online shopping and fine dining, this card is engineered to deliver measurable value.

Key Benefits

• Unlimited-feel Lounge Access: Up to 99 domestic airport lounge visits per year and up to 99 international airport lounge visits per year, giving you comfort on virtually every trip.
• Welcome Reward Points: Receive 10,000 bonus reward points credited to your account upon payment of the joining fee.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at fuel stations across India, capped at ₹1,000 per statement month.
• Premium Metal Card: The card is issued in a distinctive metal form factor, reflecting its super-premium tier.
• Diners Club Network: Accepted globally on the Diners Club International network.

Rewards & Earn Rate

| Spend Category | Reward Rate |
|---|---|
| Online Shopping | 16.6% |
| Dining | 10% |

• Online Shopping transactions earn rewards at an exceptional rate of 16.6%, making this card particularly valuable for frequent e-commerce spenders.
• Dining spends – at restaurants, cafés, and food-delivery platforms – earn at 10%, rewarding your lifestyle choices every time you dine.
• Reward points are accumulated in your HDFC Bank rewards account and can be redeemed as per HDFC Bank's prevailing redemption policy.

> Reward rates are indicative of the value earned relative to spend. Actual redemption value depends on HDFC Bank's point-valuation and redemption options at the time of redemption.

Fees & Charges

| Fee Type | Amount |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹10,000 |
| Finance Charge (Interest) | 3.49% per month |
| Foreign Currency Markup | 2% of transaction value |
| Fuel Surcharge Waiver Cap | ₹1,000 per month |

• The joining fee of ₹10,000 is charged when the card is issued; your 10,000 welcome reward points are credited upon payment of this fee.
• The annual renewal fee of ₹10,000 is levied each anniversary year.
• A finance charge of 3.49% per month is applicable on revolving balances and cash advances. Paying your full outstanding amount by the due date avoids interest charges.
• International transactions attract a forex markup of 2% on the converted INR amount.
• GST and other applicable government levies will be charged on fees as per prevailing rates.

Card Features at a Glance

• Card Type: Super Premium Credit Card
• Network: Diners Club International
• Card Material: Metal
• Lounge Access (Domestic): 99 visits per year
• Lounge Access (International): 99 visits per year
• Welcome Benefit: 10,000 reward points on fee payment
• Top Reward Category: 16.6% on Online Shopping | 10% on Dining
• Fuel Surcharge Waiver: 1% (up to ₹1,000/month)
• Forex Markup: 2%
• Finance Charge: 3.49% per month

Eligibility Criteria

To apply for the HDFC Diners Club Black Metal Credit Card, applicants must meet the following minimum criteria:

• Minimum Annual Income: ₹21,00,000 (₹21 Lakhs)
• Minimum CIBIL Score: 770
• Applicant Type: Salaried or Self-Employed individuals (subject to HDFC Bank's internal assessment)
• Age: As per HDFC Bank's prevailing credit card policy
• Existing HDFC Bank Relationship: Preferred but not mandatory

> Meeting the minimum criteria does not guarantee card approval. HDFC Bank retains the right to approve or decline applications based on its internal credit assessment policies.

Terms & Conditions

• All fees and charges mentioned are subject to change at HDFC Bank's discretion. Please refer to the Most Important Terms and Conditions (MITC) document available on the HDFC Bank website before applying.
• Reward points are subject to HDFC Bank's SmartBuy / reward redemption policy, including validity periods and eligible redemption categories.
• The fuel surcharge waiver of 1% is applicable on transactions between ₹400 and ₹5,000 (or as per HDFC Bank's prevailing policy) and is capped at ₹1,000 per statement cycle.
• Lounge access entitlements (99 domestic / 99 international visits per year) are subject to the programme terms set by HDFC Bank and the respective lounge network provider and may change without prior notice.
• The 10,000 welcome reward points are credited only upon payment of the joining fee and are subject to HDFC Bank's fulfilment timelines.
• Finance charges of 3.49% per month apply on unpaid outstanding balances. Timely and full repayment is strongly recommended to avoid interest accumulation.
• GST at the applicable rate will be levied on all fees, charges, and interest amounts.
• This page is for informational purposes only. Naxelona is a financial-products marketplace and not a lender. Credit decisions are solely at the discretion of HDFC Bank. Terms and conditions apply. Please read all scheme-related documents carefully before applying.