HDFC Bank Diners Club Black Metal is best for high spenders who can use diners club acceptance. 3.33% value back on regular spends.
Effective value back per ₹100 spent. 5 reward points per ₹150; points valued at ₹1 on flights and hotels via SmartBuy.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹188 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹1,187 |
| Frequent traveller ₹8,04,000/yr spend | ₹23,142 |
| Family & groceries ₹5,88,000/yr spend | ₹5,782 |
Unlimited domestic and international lounge access
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The HDFC Bank Diners Club Black Metal credit card has a joining fee of ₹10,000 and an annual fee of ₹10,000, plus 18% GST. The annual fee is waived if you spend ₹8,00,000 or more in a card year.
The HDFC Bank Diners Club Black Metal card is best for: high spenders who can use diners club acceptance. Its main strengths are: 3.33% value back on regular spends; up to 10x points through hdfc smartbuy. Its main drawback: diners club is not accepted everywhere.
The HDFC Bank Diners Club Black Metal card charges a 2% forex markup on international transactions, plus 18% GST on the markup.
Yes: Unlimited domestic and international lounge access. Banks often attach spend conditions to lounge access, so check the latest terms.