HDFC Diners Club Metal Edition Credit Card - Features, Benefits, Fees & Charges

HDFC Diners Club Metal Edition Credit Card (4.5)

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If you missed out on getting the HDFC Infinia, don't worry! HDFC Bank has launched an upgraded version of their HDFC Diners Club Black Credit Card, which is exciting and new. This metal version of the card comes with a joining and annual fee of ₹10,000 and offers a base reward rate of 3.33%. While it shares its name with the classic Black Card, the Diners Club Metal Edition offers a fresh take on milestones and welcome benefits. You can get up to 10,000 reward points on spends of ₹4 lakh each quarter. To learn more about such benefits, keep reading. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Free annual Club Marriott, Amazon Prime, and Swiggy One membership on spending ₹1.5 lakh within the first 90 days of card issuance. 
 

Reward Points
  • 5 reward points for every ₹150 spent.
  • 10X reward points on spends via SmartBuy.
  • Reward Rate: 3.33%


Note: 1 Reward Point = ₹1.
The maximum reward points that can be earned in a statement cycle is 75,000.

Lounge Access

Unlimited airport lounge access to 1300+ lounges in India and worldwide for primary and add-on card members.

Interest-Free Period

Up to 50 days of interest-free credit period on your HDFC Bank Diners Club Black Credit Card from the date of purchase.

Dining Benefit
  • Get 2X reward points, i.e. 10 reward points per ₹150 spent on weekend dining, capped at 1000 reward points per day.
  • 25% savings off on all your restaurant bill payments via Swiggy Dineout.
Concierge Services

Get Global Personal Concierge 24/7.

Entertainment Benefit

6 free golf games every quarter across the finest courses in the world.
To book a golf game, reach out to the concierge via:
Call: 1800 118 887 | 022 42320226,
Email:dinersblack.support@smartbuyoffers.co

Insurance Benefit
  • Air accident insurance cover worth ₹2 crore
  • Emergency overseas hospitalisation of ₹50 lakh
  • Travel Insurance covers up to ₹55,000 on baggage delay beyond 8 hours for international flights, capped at $10/hour.
  • Credit Liability Cover of up to ₹9 lakh
Milestone Benefit

10,000 bonus reward points on spends of ₹4 lakh every calendar quarter.

Travel Benefit

Redeem reward points for booking flight tickets/hotels across airlines and choice of hotels.
Note- Members can redeem up to 70% of booking value through reward points. Rest will have to be paid via Credit Card.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹10,000

Annual Fee

₹10,000

Annual Percentage Rate

23.88%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

2%

Over Limit Penalty

2.5%

Fuel Transaction Surcharge

1%

Reward Point Value

₹ 0.30
Late Payment Charges

Balance below ₹100

Nil

Balance from ₹100 to ₹500

₹100

Balance from ₹501 to ₹5,000

₹500

Balance from ₹5,001 to ₹10,000

₹600

Balance from ₹10,001 to ₹25,000

₹800

Balance from ₹25,001 to ₹50,000

₹1100

Balance more than ₹50,000

₹1,300
Pros

Aspects that make this credit card amazing.

  1. It offers unlimited airport lounge access that can be used by add-on members as well.
  2. 10000 bonus reward points on achieving milestone spending, offering a reward rate of 2.5%.
  3. 2X reward points on Weekend Dining.
  4. Credit liability cover of ₹9 lakh.
  5. Low foreign currency charge when compared to other cards in the same category.
  6. Free annual memberships of Club Marriott, Amazon Prime, and Swiggy One.
Cons

Aspects this credit card lacks.

  1. Welcome benefits are only received on spending ₹1.5 lakh within the first 90 days of card issuance.
  2. No reward points on fuel, Easy EMI and e-wallet loading transactions.
  3. Rent payments made through third-party merchants attract a fee of 1% of the total transaction.
HDFC Diners Club Metal Edition Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(4)

HDFC Diners Club Black Metal Edition Credit Card Review

The HDFC Diners Club Black Metal Edition Credit Card is a premium credit card that caters to high-income individuals who frequently spend on travel, dining, and entertainment. This credit card offers a wide range of benefits and rewards.

The card provides a decent reward rate of 3.3%, which is capped at 75,000 per statement cycle. However, it charges a high annual fee of ₹10,000 plus taxes, which can be waived if you spend ₹8 lakh in the preceding 12 months. 

It is essential to make the most of the card's benefits to offset the cost. 

However, the card's network acceptance can be challenging, particularly in offline stores.

Overview

Joining and Annual Fee

₹10,000 + taxes 

Welcome Bonus

Annual memberships of Club Marriott, Amazon Prime, and Swiggy One on spending ₹1.5 lakh within the first 90 days

Best For

Reward Points

Reward Rate

3.33%

Card Type

Premium

Card Network

Diners Club

Reward Points on HDFC Diners Club Black Metal Edition Credit Card

Spend Category

Reward Rate

Base reward rate

5 reward points per ₹150 spent

Weekend dining

2X reward points (10 reward points per ₹150 spent)

Smart Buy

10X reward points

Milestone 

10,000 Bonus reward points on spends of ₹4 lakh every calendar quarter.

Where 1 Reward Point is equivalent to⤵

SmartBuy (Flights/Hotels)

₹1

Airmiles

1.00 AirMile

Product Catalogue (vouchers/products)

Upto ₹0.50

Cashback

₹0.30

Note: The maximum reward points that can be earned in a statement cycle is 75,000.

Is the HDFC Diners Club Black Metal Credit Card worth it?

Comparing the HDFC Diners Club Metal Credit Card with its basic version, the Diners Club Black Credit Card, we can see that the joining and annual charges are the same. The only difference is the annual fee waiver, which is available on spending ₹5 lakh in 12 Months for the Diners Club Black and ₹8 lakh for the Diners Club Black Metal edition card. Moreover, the Metal version offers better milestone benefits than the latter.

Whether or not the HDFC Diners Club Black Metal Credit Card is worth it depends on your individual needs and spending habits. If you are a high-spender who travels frequently and enjoys exclusive lifestyle benefits, then this card may be worth the high annual fee. However, if you are not a big spender or do not travel frequently, then consider a different credit card with a lower annual fee and more widespread acceptance.

Who should get an HDFC Diners Club Black Metal Credit Card?

The HDFC Diners Club Black Metal Credit Card is ideal for:

  • Business executives who frequently travel for work and enjoy staying at luxury hotels.
  • Wealthy individuals who relish fine dining, golfing, and other luxurious experiences.
  • People who desire exclusive access to airport lounges and travel insurance benefits.

How to apply for an HDFC Diners Club Black Metal Credit Card?

To apply for HDFC Diners Club Black Metal Credit Card, follow the steps mentioned below:
Step 1: Go to the HDFC Bank website and click on the Credit Cards tab.
Step 2: Click on the Diners Club Black Metal Edition credit card.
Step 3: Click on the Apply Now button.
Step 4: Fill in the application form and submit it.

HDFC Bank Diners Club Black Metal Credit Card Eligibility

For Salaried Indian national

  • Age Min 21 yrs & Max 60 yrs
  • Income: Net Monthly Income > ₹1.75 lakh per month 

For Self Employed  Indian national

  • Age: Min 21 yrs & Max 65 yrs
  • Income: ITR > ₹21 lakh per annum for self-employed customers

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HDFC Bank

HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Total Cards:

2,04,04,625
HDFC Bank Credit Card News
08 Feb 2024, Thursday
1. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
2. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.

19 Oct 2023, Thursday
3. HDFC introduces enhanced Diners Club Metal Edition Credit Card

HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst cult.fit Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
4. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
5. Swiggy to launch co-branded credit card with HDFC Bank.

Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.

HDFC Diners Club Metal Edition Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

The annual fee for the HDFC Diners Club Black Metal Credit Card is Rs 10,000 plus applicable taxes. However, this fee can be waived if you spend Rs 8 lakh in a year.

There are two ways to apply for an HDFC Diners Club Black Metal Credit Card:

Online

  1. Go to the HDFC Bank website and click on the Credit Cards tab.
  2. Click on the Diners Club Black Metal Edition credit card.
  3. Click on the Apply Now button.
  4. Fill in the application form and submit it.

Offline

  1. Visit your nearest HDFC Bank branch.
  2. Meet with a customer service representative and request an application form for the HDFC Diners Club Black Metal Credit Card.
  3. Fill in the application form and submit it to the customer service representative.

To be eligible for the HDFC Diners Club Black Metal Credit Card, you must meet the following criteria:

  • Be an Indian national
  • Be between the ages of 21 and 65 years
  • Have a net monthly income of at least Rs 1.75 lakh (for salaried individuals) or an annual income of at least Rs 21 lakh (for self-employed individuals)

The HDFC Diners Club Black Metal Credit Card offers a variety of rewards and benefits, including:

  • Welcome benefit: Complimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One.
  • Reward points: Earn 5 reward points for every Rs 150 spent on the card and 10x reward points via Smartbuy.
  • Dining discounts: Get up to 25% off on dining at select restaurants.
  • Airport lounge access: Complimentary access to over 1,300 airport lounges worldwide.
  • Concierge service: Dedicated 24/7 concierge service to help you with planning your travels, making reservations, and more.

Other benefits include:

  • Travel insurance: Air accident insurance cover worth Rs 2 crore and overseas emergency hospitalization cover worth Rs 50 lakh.
  • Credit liability cover: Credit liability cover of up to Rs 9 lakh.
  • Purchase protection: Purchase protection for up to 90 days on all purchases made with the card.
  • Extended warranty: Extended warranty of up to 1 year on all purchases made with the card.

The HDFC Diners Club Black Metal Credit Card is a premium credit card that offers a variety of exclusive rewards and benefits. It is designed for high-net-worth individuals who travel frequently and enjoy the finer things in life.

There are two ways to check your HDFC Diners Club Black Metal Credit Card statement:

Online:

  1. Go to the HDFC Bank website and log in to your NetBanking account.
  2. Click on the Cards tab.
  3. Select your HDFC Diners Club Black Metal Credit Card from the list of cards.
  4. Click on the Statements tab.
  5. Select the statement period that you want to view.

Offline:

  1. Call HDFC Bank customer service on 1800 266 3310.
  2. Provide the customer service representative with your credit card number and statement date.
  3. The representative will send you a copy of your statement by email or post.

To make payments on your HDFC Diners Club Black Metal Credit Card, you can:

  1. Go to the HDFC Bank website and log in to your NetBanking account.
  2. Click on the Cards tab.
  3. Select your HDFC Diners Club Black Metal Credit Card from the list of cards.
  4. Click on the Payments tab.
  5. Enter the amount that you want to pay and select the payment method.
  6. Click on the Make Payment button.

The HDFC Diners Club Black Metal Credit Card is a premium credit card that offers a variety of exclusive benefits and rewards. It is made of black metal, which gives it a luxurious and sophisticated look and feel.

The card is designed for high-net-worth individuals who travel frequently and enjoy the finer things in life. It offers a wide range of benefits, including:

  • Complimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One
  • 1 reward point for every Rs 100 spent on the card
  • 5 reward points for every Rs 100 spent on international transactions
  • Up to 25% off on dining at select restaurants
  • Complimentary access to over 1,300 airport lounges worldwide
  • Dedicated 24/7 concierge service

The card also has a high credit limit, which makes it suitable for individuals who make large purchases.

The HDFC Diners Club Black Metal Credit Card has a joining/renewal membership fee of Rs 10,000 plus applicable taxes. However, this fee can be waived if you spend Rs 8 lakhs in a year.

Overall, the HDFC Diners Club Black Metal Credit Card is a premium credit card that offers a variety of exclusive benefits and rewards. It is designed for high-net-worth individuals who travel frequently and enjoy the finer things in life.

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