HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
A genuine super-premium metal card — unlimited lounges without the invite-only barrier of Infinia.
₹10,000
Joining fee
₹10,000, waived at ₹8L spend
Annual fee
Annual fee waived on Rs 8 lakh annual spend.
2%
Forex markup
4.6 / 5
Rating
Eligibility
Estimated minimum income: ₹2,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 790+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried min Rs 2.5 lakh/month income; self-employed min Rs 30 lakh/annum. Age up to 65 for self-employed.
Sources disagree: Fee/reward data is sourced from the closely related 'Diners Club Black' product line via aggregator, since the official fees-and-charges page did not render fee content in this fetch. The older, non-metal 'Diners Club Black' base card appears to have been closed to new applications and effectively succeeded by this Metal Edition, per one aggregator (CardExpress).
Lounge access
Unlimited domestic & international lounge visits
Key features
- Unlimited domestic + international lounges
- 10,000 bonus points/quarter at ₹4L spend
- 2% forex
Reward details
5 reward points per Rs 150 spent (~3.33% value-back at typical redemption)
- 10X on Select SmartBuy purchases (hotels, pharmacies)
- 2X on Weekend dining
- Rs 4 lakh quarterly spend: 10,000 points
Category caps
- Insurance transactions: 5,000 points/day
- Grocery spend: 2,000 points/month
Redemption
Tiered by redemption channel.
Ratio: 1 reward point = 1 air mile, or Rs 1 for travel bookings, Rs 0.50 for catalogue items, Rs 0.30 for cashback
Caps: Cashback redemption capped at 50,000 points
Excluded from rewards: fuel, Easy EMI, rent payments, government transactions, cash advances, payment of card fees, e-wallet reloads
- Complimentary Marriott, Amazon Prime, and Swiggy One memberships on Rs 1.5 lakh spend within 90 days.
- Golf: 6 complimentary games per quarter (24/year), bookable via concierge.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 'Not just a card; it's an investment in a lifestyle upgrade that's totally worth it!' — CardInsider user quote
Complaints
- Reported acceptability issues in India at some merchant terminals; a ~3.5% fuel surcharge applies at non-HDFC terminals despite the premium positioning; high annual fee (Rs 10,000) flagged as a drawback, offset mainly for frequent travelers/high spenders hitting milestone bonuses. — CardInsider/Paisabazaar
Sources
- Aggregator — fees, eligibility, forex, rewards, sentiment
- Aggregator — lounge, rewards, sentiment
- Official (not independently verified) — limited render, did not surface fee content