HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
Last verified: 24 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Shopping and vouchers on HDFC Bank SmartBuy | 33.33% | ₹10,000/monthly |
Weekend dining at participating restaurants | 6.67% | ₹1,000/per_transaction |
Insurance | 3.33% | ₹5,000/monthly |
HDFC SmartBuy - flight bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input flights) | 16.65% | ₹10,000/monthly |
HDFC SmartBuy - hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input hotels) | 33.3% | ₹10,000/monthly |
| All other spends | 3.33% | No cap |
Redemption fee: 99
Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
Live Offers
315 activeTJHDFC15Till 31 DecBenefits
Lounge Access
999 domestic visits/quarter
999 international visits/quarter
UNLIMITED complimentary airport lounge access at 1,300+ lounges in India and worldwide, for PRIMARY AND ADD-ON cardholders. 999 is the sentinel for unlimited and must not be read as a number of visits.
Fuel Surcharge Waiver
Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.
Welcome Benefit
Club Marriott, Amazon Prime and Swiggy One (3 months) memberships
Earned on spending ₹1.5 lakh or more within the first 90 days.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹10,000/yr |
| Renewal Fee | ₹10,000/yr |
| Fee Waiver | Spend ₹8,00,000/year |
| Forex Markup | 2% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
