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
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.