By: OurMoneyGuide || Last updated on: May 3, 2024

HDFC Bank Diners Club Black Metal Edition Credit Card is one of the best super premium cards in the marketplace, and comes as a well-crafted metallic card. You enjoy accelerated rewards on a variety of spending categories, at select partners, and on a variety of voucher purchases. You also get world class benefits like free unlimited lounge access both in India and abroad, complimentary hotel & other lifestyle memberships, and other benefits.  


Pros & Cons of HDFC Bank Diners Club Black Metal Edition Credit Card

Pros

  • One of the best premium cards in the market – basic benefit rate of 3.3%, and especially attractive 3X-10X rewards program (upto 33.3% benefit rate) with various partners
  • Lifestyle benefits like free unlimited airport lounge access

Cons

  • Attractive reward rates are mostly available only on select categories, and at select partners.

Features & Benefits of the HDFC Bank Diners Club Black Metal Edition Credit Card

3X – 10X rewards on select categories & select partners

HDFC Bank Diners Club Black Metal Edition Credit Card is well known for very attractive accelerated rewards on certain categories and partners. Please find in the table below a snapshot, followed by details on each of these categories.


Applicable categories and partners
33.3% reward (10X)✓ Hotels
✓ Partners – Jockey, IGP.com
16.6% reward (5X)✓ Flights
✓ Bus tickets on RedBus
✓ MakeMyTrip holiday packages

✓ Partners – Myntra, Nykaa, Zoom Car
10% reward (3X)✓ Gift vouchers
✓ Railway bookings on IRCTC
✓ Apple Imagine Tresor
*10% – 33.3% rewards shown above, assume you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform. There are also monthly restrictions on earning these rewards (maximum 15000 accelerated reward points per month), details in the sections below.


33.3% reward (10X) on the following card spends via HDFC Smartbuy platform – hotels || select partners (Jockey and IGP.com)

You can earn 10% to 33.3% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earningsRewardRewardReward
50 reward points on every ₹150 spent in these categories, meaning 33.3 reward points on every ₹100 spent33.3%

1 reward point = ₹1, when you redeem your reward points for flights & hotel bookings on HDFC Smartbuy platform
16.6%

1 reward point = ₹0.50, when you redeem your reward points for vouchers & products on the Product Catalogue
10%

1 reward point = ₹0.30, when you redeem your reward points for cashback

16.6% reward (5X) on the following card spends via HDFC Smartbuy platform – flights || bus tickets || MakeMyTrip holiday packages || select partners (Myntra, Nykaa, Zoom Car)

You can earn 5% to 16.6% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earningsRewardRewardReward
25 reward points on every ₹150 spent in these categories, meaning 16.6 reward points on every ₹100 spent16.6%

1 reward point = ₹1, when you redeem your reward points for flights & hotel bookings on HDFC Smartbuy platform
8.3%

1 reward point = ₹0.50, when you redeem your reward points for vouchers & products on the Product Catalogue
5%

1 reward point = ₹0.30, when you redeem your reward points for cashback

10% reward (3X) on the following card spends via HDFC Smartbuy platform – gift vouchers || railway bookings at IRCTC || Apple Imagine Tresor

You can earn 3% to 10% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earningsRewardRewardReward
15 reward points on every ₹150 spent in these categories, meaning 10 reward points on every ₹100 spent10%

1 reward point = ₹1, when you redeem your reward points for flights & hotel bookings on HDFC Smartbuy platform
5%

1 reward point = ₹0.50, when you redeem your reward points for vouchers & products on the Product Catalogue
3%

1 reward point = ₹0.30, when you redeem your reward points for cashback

3.3% reward (X) on all other card spends

You can earn 1% to 3.3% reward on all other card spends. Please refer to the below table for details-

Reward point earningsRewardRewardReward
5 reward points on every ₹150 spent in these categories, meaning 3.3 reward points on every ₹100 spent3.3%

1 reward point = ₹1, when you redeem your reward points for flights & hotel bookings on HDFC Smartbuy platform
1.6%

1 reward point = ₹0.50, when you redeem your reward points for vouchers & products on the Product Catalogue
1%

1 reward point = ₹0.30, when you redeem your reward points for cashback

Exceptions – Please note that no reward points are given on fuel spends, cash advances, payment of outstanding balances, payment of card fees and other charges, smart EMI / dial an EMI transactions.

You can redeem up to a maximum of 70% on the travel bookings (flights, hotel and experiences) using reward points. The balance amount will need to be paid via credit card.

Limits and restrictions on 3X – 10X rewards – maximum 10,000 accelerated reward points per month

You can earn a maximum of 10,000 accelerated reward points per calendar month on the 3X – 10X categories described above. 

Accelerated reward points means the extra reward points you get in a certain category. For example in 10X category, you get normal reward points (X), and accelerated reward points (9X). Lets take a few scenarios to understand this in more detail-


Normal reward (X)Accelerated rewardLimit of 10,000 ‘accelerated’ reward points per month
If you spend ONLY in the 10X category5 reward points on every ₹150 spent in this category (X)45 reward points on every ₹150 spent in this category (9X)You would reach the limit of 10,000 accelerated reward points per month – at monthly spends of ₹33,333 in the 10X categories.
If you spend ONLY in the 5X category5 reward points on every ₹150 spent in this category (X)20 reward points on every ₹150 spent in this category (4X)You would reach the limit of 10,000 accelerated reward points per month – at monthly spends of ₹75,000 in the 5X categories.
If you spend ONLY in the 3X category5 reward points on every ₹150 spent in this category (X)10 reward points on every ₹150 spent in this category (2X)You would reach the limit of 10,000 accelerated reward points per month – at monthly spends of ₹1,50,000 in the 3X categories.

You can of course spend on a mix of each of the 3X-10X categories. As shown in the table above, you will hit your limit of 10,000 accelerated reward points in a month, at monthly spends between ₹33,333 and ₹1.50 lakhs, depending on your exact mix of spends. If you spend ONLY in the 10X categories, you will hit the 10,000 accelerated reward points the fastest, at ₹33,333 monthly spend. If you spend ONLY in the 3X categories, you will hit the 10,000 accelerated reward points at ₹1.50 lakh monthly card spend.

Upto 2.50% additional benefit (milestone benefit)

You get 10,000 reward points worth ₹10,000, at ₹4 lakh quarterly spends.

Please click here for more details.

Unlimited free airport lounge access in India and abroad

You get unlimited complimentary lounge access both within and outside India. This benefit is also  available for add-on card holders.

Please click here to view list of domestic lounges. Please click here to view list of international lounges.

Complimentary golf rounds worldwide – 6 per quarter

You enjoy complimentary golf games at top courses across India, and also abroad – 6 times per quarter. Please click here for more details.

Club Marriott Membership for 1 year, as a welcome benefit

You receive a complimentary one-year Club Marriott Membership, granting you exclusive privileges such as:
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at select participating Marriott hotels in India, from Monday to Friday.

Complimentary insurance benefits

You get complimentary insurance covers-
– Accidental air death cover worth ₹2 crore
– Emergency overseas hospitalisation coverage of up to ₹50 lakhs
– Lost card liability cover of up to ₹9 lakhs
– Travel insurance cover of upto ₹55,000 on baggage delay beyond 8 hours for international flights (capped to US$10 per hour)

Please click here for more details.

Complimentary 24/7 global personal concierge

You have access to a 24/7 global personal concierge service – to enhance your travel, entertainment, and business experiences with personalised assistance. 

Dining benefits : 10% discount (upto ₹500) at Swiggy Dineout, 2 times per month

You get a 10% discount (capped at ₹500) on all bill payments via Swiggy Dineout at 20,000+ restaurants. Minimum order size needs to be ₹2000 to avail the discount

Hence you get a 15% discount on orders between ₹2000 and ₹5000, two times a month. Payment needs to be made on your card via Swiggy Dineout on Swiggy app.

HDFC Bank Diners Club Black Metal Edition Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹10,000Welcome offers
– Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One, on spending ₹1.50 lakhs within 90 days of card issuance
Renewal fee from 2nd year onwards₹10,000Renewal offers :
– Annual fee is not charged from the second year onwards, if you spend ₹8 lakhs or more in the previous year.

Foreign currency mark-up fee

2% of the transaction amount. This fee is charged when you use your card outside India.

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank Credit Card Fees & Charges

Eligibility Criteria

Minimum age21 years
Maximum ageSalaried : 60 years
Self-employed : 65 years
Occupation Salaried, self-employed
Minimum income requirementsSalaried : ₹1.75 lakh per month
Self-employed : ₹21 lakhs per year (in ITR)
Credit scoreGood credit score, preferably above 750

Application Process

Online application process
You can visit the official website of the bank OR mobile app and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents (listed below in the next section of this page).

Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC Credit Card through WhatsApp Banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query e.g – “Apply for Credit Card”.
Approval timeline and application tracking processTimeline : In most cases, the credit card decision would be communicated within a few days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

Tracking your card application :
– When you apply you get a reference/ application number. If your card is approved , you get a confirmation SMS post which you can track your application by clicking here .

– To track your credit card offline, you can call the 24*7 customer care number and present your issue. You can also track your credit card by walking into the nearest HDFC Bank branch and give your application reference number. The branch executives will then check your credit card application status and track it.

Necessary documents and verification

Required documents
PAN card copy

Identity proof : PAN card , driving license, valid passport, voter ID (any one)

Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)

Income proof : latest salary slip/s, income tax return etc

For details, click here

Conclusion

As you can see, HDFC Bank Diners Club Black Metal Edition Credit Card is one of the most rewarding credit cards, it comes with high reward rates and a host of lifestyle benefits.