Diners Club Black Metal Edition Credit Card
HDFC Bank
Annual Fee
₹10,000
Joining Fee
₹10,000 + GST
Base Reward
1% cashback
Foreign Markup
3.5% + GST
Fee Waiver
Waived on ₹10L annual spend
Interest Rate
3.5% per month (42% annually)
Welcome Benefits
10,000 CashPoints on card setup
Product Highlights
- 10% cashback at select hotels
- Flat ₹500 off on dining bills above ₹2,000
- Renewal fee waiver on ₹10L annual spend
Rewards
10% CashBack at select hotels, 5% CashBack on travel bookings, 3% CashBack on dining, 1% CashBack on all other spends.
Redemption
1 CashPoint = ₹1 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 10%(10% CashBack) | No cap |
dining | 3%(3% CashBack) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Marriott | 10% CashBack(10,000 CashPoints/cycle) | online |
| Taj Hotels | 10% CashBack(10,000 CashPoints/cycle) | online |
| ITC Hotels | 10% CashBack(10,000 CashPoints/cycle) | online |
Benefits & Features
Domestic: 6 complimentary visits per year via DreamFolks (Min ₹5L annual spend required for activation) International: 2 per year via Priority Pass (Available from year 2 onwards or on ₹10L+ annual spend) Complimentary lounge access on ₹5L+ annual spend via DreamFolks (domestic) and Priority Pass (international). Without spend criteria, ₹2,000 surcharge per visit applies.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹50,000
Min Income (Self-Employed)
₹10,00,000
Available Networks
Pros & Cons
Pros
- High 10% cashback at select hotels
- Complimentary travel insurance up to ₹1Cr
- Renewal fee waiver on ₹10L spend
Cons
- Low 1% cashback on non-partner merchants
- High annual fee of ₹10,000
Additional Info
Important: CashPoints expire after 2 years from earning date
Card variant available in Diners Club only; limited international acceptance
Hidden benefit: Free additional cards for family members with shared credit limit
Max 10,000 CashPoints at 10% rate + 10,000 at 1% rate per cycle
Excluded Categories