HDFC Diners Club Black Metal Credit Card
HDFC Bank · Diners Club
Why this card?
- 3.33% back in reward points on eligible spends
- ₹10,000 joining and annual fee; renewal fee waived on ₹8 lakh yearly spend
- Unlimited domestic and international airport lounge access
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Diners Club
- Annual Fee
- ₹10,000
- Joining Fee
- ₹10,000
- Reward Type
- points
- Best Reward Rate
- 5% on SmartBuy portal (10X reward points on flights, hotels, Amazon)
- Forex Markup
- 2%
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹2,50,000
- Rates verified
- 2026-10-06
Our verdict
HDFC Diners Club Black Metal is a compelling premium card for SmartBuy users — 10X on hotels and 5X on flights via SmartBuy plus unlimited lounge access in India and abroad at ₹10,000/year competes directly with Axis Magnus. The income requirement is high (₹2.5 lakh a month), and the key limitation is the Diners Club network, which has lower acceptance than Visa or Mastercard in smaller Indian cities.
Pros
- 10X reward points on hotels and 5X on flights via HDFC SmartBuy
- Unlimited lounge access in India and worldwide — no quarterly or annual cap
- Unlimited international lounge access, not a fixed number of visits
- 2% forex markup and golf programme included
Cons
- Diners Club network — limited acceptance in smaller cities and some merchants
- ₹10,000 annual fee requires ₹8L spend for waiver
- Income requirement of ₹2.5 lakh a month
- Benefits heavily concentrated in SmartBuy portal — users who book elsewhere earn only the base rate