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REWARD POINTS CARD

Diners Club Black Metal Edition Credit Card

HDFC Bank

Earns up to 10X Reward Points on hotel and flight bookings via SmartBuy and 2X on weekend dining, with unlimited lounge access, complimentary golf games each quarter and a 10,000 bonus-point quarterly milestone.

10X/5X earn applies to SmartBuy bookings. Points are earned in multiples of ₹150, and fuel, rent and wallet loading earn none. SmartBuy flight and hotel redemption is capped at 70% of booking value and 75,000 points a calendar month.

Diners Club Black Metal Edition Credit Card
ANNUAL FEE
₹10,000 + GST
JOINING FEE
₹10,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
10X Reward Points on hotel and 5X on flight bookings made via SmartBuy
BEST FOR
Included: May suit cardholders who can reach ₹4 lakh in a quarter or ₹8 lakh in 12 months to unlock the bonus points and renewal.
Included: May suit those who book hotels and flights through SmartBuy.
Included: May suit those who dine out on weekends at participating restaurants.
Included: May suit those who travel often and want airport lounge access plus complimentary golf games.
Limitation: Those lower spenders may wish to compare other cards.
Limitation: Those who want a fuel surcharge waiver or points on fuel spends may wish to compare other cards.
Limitation: Applicants below the income criteria may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points are earned on amounts in multiples of ₹150; residual amounts below ₹150 earn no points.
Condition: Points are valid for 3 years and are nullified if the card is not used for more than 365 days.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹10,000 + GST
Annual / renewal fee
₹10,000 + GST
Fee waived at
₹8,00,000 in 12 months (excl. cash on call, balance transfer, cash withdrawal)
Forex markup
2%
Finance charge
1.99% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited visits · Primary and add-on cardholders; swipe card at lounge terminal (₹2 debited, then reversed, to confirm entry)
International airport lounge
Unlimited — Unlimited visits · Primary and add-on cardholders; international lounge list is on the Diners Travel Tool App
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
No fuel surcharge waiver
Dining
2X Reward Points on weekend dining at participating restaurants; up to 40% off dining via Swiggy Dineout
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on rent, fuel, government payments, e-wallet loading, EasyEMI or online skill-based gaming; points are reversed if a retail spend is converted to SmartEMI.; Rent, fuel, government payments, e-wallet loading, EasyEMI transactions and online skill-based gaming
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 10X Reward Points on hotel and 5X on flight bookings made via SmartBuy
Included: 6 complimentary golf games every quarter (up to 24 rounds a year) on courses worldwide
Included: Dedicated concierge desk available 24x7
Included: Insurance: air accident cover ₹2 crore, emergency overseas hospitalisation ₹50 lakh, credit liability cover up to ₹9 lakh
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.