INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Diners Club / DiscoverTravel & Aviation CardsLast Verified: 2026-09-28

HDFC Diners Club Black Credit Card (Metal Edition)

एचडीएफसी डाइनर्स क्लब ब्लैक क्रेडिट कार्ड (मेटल एडिशन)

Super-premium lifestyle metal card with unlimited domestic & global Diners Club lounge visits, 1:1 air miles transfer, and up to 33.3% SmartBuy rewards.

Annual Fee₹10,000 + GST (Renewal: ₹10,000 + GST)

Reward Rate5 Reward Points per ₹150 spent on all retail transactions (base 3.33% reward rate). Up to 10X Reward Points (up to 33.3% effective return) on hotel and flight bookings through SmartBuy (capped at 7,500 bonus points per month).

Airport LoungeUnlimited complimentary domestic and international airport lounge access worldwide for primary and add-on cardholders across 1,300+ Diners Club lounges.

Forex MarkupLow 2.00% + GST markup on foreign currency transactions.

What Is This Card

HDFC Diners Club Black (DCB Metal) is a super-premium executive lifestyle card rivaling Infinia. It features unlimited global airport lounge access for cardholders and add-ons, 1:1 air miles transfer, 1.99% monthly finance charges, and complimentary annual OTT/shopping memberships.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹10,000 + GST (Renewal: ₹10,000 + GST)

Fee Waiver: Spend ₹8,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹10,000 waived.

🎁Welcome Benefit

10,000 Reward Points credited upon fee realization, plus complimentary annual memberships to Club Marriott, Swiggy One, Amazon Prime, and MMTBLACK upon spending ₹1.5 Lakhs in 90 days.

⚡Reward Points Structure

5 Reward Points per ₹150 spent on all retail transactions (base 3.33% reward rate). Up to 10X Reward Points (up to 33.3% effective return) on hotel and flight bookings through SmartBuy (capped at 7,500 bonus points per month).

Redemption Value: 1 Reward Point = ₹1.00 for flight and hotel bookings via SmartBuy. 1 RP = 1 Air Mile on Singapore Airlines KrisFlyer, British Airways Avios, and Air France Flying Blue. 1 RP = ₹0.30 against cash statement credit.

🛫Airport & Railway Lounge Access

Unlimited complimentary domestic and international airport lounge access worldwide for primary and add-on cardholders across 1,300+ Diners Club lounges.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹2 Crores. Emergency overseas medical treatment cover up to ₹50 Lakhs. Baggage delay/loss cover up to ₹55,000.

Fuel Surcharge: 1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹1,000 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Complimentary monthly subscription voucher of choice (Ola Select, Gymkhana, BookMyShow) on spending ₹80,000 every month. Annual fee waiver on ₹8 Lakhs spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Diners Club acceptance at smaller offline POS merchant terminals in India is occasionally lower than Visa and Mastercard. SmartBuy accelerated points are capped at 7,500 bonus points per month. Spend waiver requires ₹8 Lakhs annual spend.

Forex Markup FeeLow 2.00% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 1.99% monthly finance charges.

Finance Charges (Interest)1.99% per month (23.88% per annum) on revolving credit balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly net take-home pay exceeding ₹1,75,000. Self-employed individuals aged 21 to 65 with audited annual ITR exceeding ₹21,00,000.

Age Requirement21 to 60 Years

Minimum Income₹1,75,000/month net (Salaried) / ₹21,00,000/year ITR (Self-Employed)

CIBIL Score NoteA pristine credit score of 760+ is expected.

SBI RelationshipNot mandatory, but HDFC Imperia / Preferred banking account holders receive faster processing.

How to Apply (Official Procedure)

Online Digital Application Flow

1Check pre-approved offers on HDFC NetBanking or apply online at hdfcbank.com.

2Enter PAN and mobile number for instant algorithmic credit score check.

3Select Diners Club Black Metal Edition and enter official employer email.

4Upload last 3 months' salary slips and bank statements.

5Complete online Video KYC session with bank official.

6Physical metal card delivered via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch through a Relationship Manager with PAN, Aadhaar, salary slips, and Form 16.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips and 6 months' bank statements OR Latest 2 years' ITR computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Diners Club Black Credit Card (Metal Edition)?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 1.99% per month (23.88% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Diners Club Black Credit Card (Metal Edition) into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Diners Club Black Credit Card (Metal Edition)?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 for flight and hotel bookings via SmartBuy. 1 RP = 1 Air Mile on Singapore Airlines KrisFlyer, British Airways Avios, and Air France Flying Blue. 1 RP = ₹0.30 against cash statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on HDFC Diners Club Black Credit Card (Metal Edition) and how does it work?

The interest-free period on HDFC Diners Club Black Credit Card (Metal Edition) is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (1.99% per month (23.88% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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