HDFC Bank
Diners•••• •••• •••• 4242
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
Annual Fee
₹10,000
Effective Rate
1.00%
Network
DINERS
Point Value
₹1.00/pt
About HDFC Bank Diners Club Black Metal Edition Credit Card
Metal super-premium Diners Club card. 5 pts/₹150 base (3.33/₹100). 10X on SmartBuy hotels, 5X on SmartBuy flights, 2X weekend dining. Unlimited global lounge access (1,300+ lounges). 6 golf games/quarter. ₹4L quarterly spend → 10,000 bonus RP. Air accident ₹2Cr + overseas hosp ₹50L + baggage delay ₹55K insurance. Credit liability cover ₹9L. 2% forex.
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Global Lounge Access
- check_circle6 Complimentary Golf Games per Quarter
- check_circleWelcome Lifestyle Memberships
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹10,000 with no waiver option
- cancelMay require existing banking relationship or invitation
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 33.3% | 3330 pts≈ ₹3,330 |
| All other spends | 16.65% | 1665 pts≈ ₹1,665 |
| All other spends | 6.66% | 666 pts≈ ₹666 |
| All other spends | 3.33% | 333 pts≈ ₹333 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Card Benefits
Unlimited Global Lounge Access
Unlimited access to 1,300+ lounges worldwide for primary and add-on members.
~₹24,000/yr value
6 Complimentary Golf Games per Quarter
6 golf games per quarter (up to 24 rounds annually) at premium courses worldwide.
~₹60,000/yr value
Welcome Lifestyle Memberships
Club Marriott + Amazon Prime + Swiggy One annual memberships on ₹1.5L spend in first 90 days.
~₹14,600/yr value
Air Accident Insurance – ₹2 Crore
Air accident insurance cover of ₹2 crore.
Emergency Overseas Hospitalisation – ₹50 Lakh
Emergency overseas hospitalisation insurance cover of ₹50 lakh.
Baggage Delay Insurance – ₹55,000
Travel insurance cover of ₹55,000 on baggage delay beyond 8 hours for international flights.
Credit Liability Cover – ₹9 Lakh
Credit liability cover of up to ₹9 lakh.
24x7 Dedicated Concierge
Dedicated concierge desk available 24x7.
~₹25,000/yr value
Swiggy Dineout – Up to 40% Off
Up to 40% off on dining via Swiggy Dineout.
~₹12,000/yr value
SmartEMI – Post-Purchase Conversion
Convert large transactions into EMI after purchase.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹4,00,000 (QUARTERLY)
10,000 Bonus Reward Points on ₹4 lakh spend in a calendar quarter.
Spend ₹8,00,000 (ANNUAL)
Annual renewal fee waived on ₹8,00,000 spend in 12 months.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹10,000 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank Diners Club Black Metal Edition Credit Card.
Ready to apply for HDFC Bank Diners Club Black Metal Edition Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
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