M16S / HDFC Bank / HDFC Diners Club Black Metal Edition Credit Card
super-premium · rewards, travel
HDFC Diners Club Black Metal Edition Credit Card
The HDFC Diners Club Black Metal Edition Credit Card costs Rs 10,000 a year, waived if you spend Rs 8,00,000 in a year. Its base return is 3.33% (5 RP per Rs 150). The forex markup is 2%. Lounge visits in India: Unlimited, primary and add-on (1,300+ lounges in India and abroad). Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 10,000+ GST
- Fee waived at
- Rs 8,00,000annual spend
- Base return
- 3.33%
- Forex markup
- 2%
- Interest
- 1.99%a month
What changed on this card
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025
A 1% fee on the transaction amount applies on rental transactions on any applicable merchant. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps insurance reward points per month from Jul 2025
Reward Points on insurance transactions are capped at 10,000 a month for Infinia and Infinia (Metal Edition), 5,000 a month for Diners Black Metal Edition and Diners Black, and 2,000 a month for all other credit cards. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps utility and telecom reward points at 2,000 a month, Sep 2024
Reward Points on utility transactions (MCC 4900) and on telecom and cable transactions (MCC 4812, 4814, 4899) are each capped at 2,000 Reward Points per calendar month. Product-level caps continue on Millennia, Swiggy and some other cards. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank stops reward points on education payments via apps, Sep 2024
Education payments made through third-party apps like CRED, Cheq and MobiKwik no longer earn Reward Points on consumer cards. Payments made directly on college or school websites or their POS machines still earn points. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank sets late payment fee slabs on credit cards from Aug 2024
Late payment charges by statement amount: nil up to Rs 100, Rs 100 for Rs 101 to 500, Rs 500 for Rs 501 to 1,000, Rs 600 for Rs 1,001 to 5,000, Rs 750 for Rs 5,001 to 10,000, Rs 900 for Rs 10,001 to 25,000, Rs 1,100 for Rs 25,001 to 50,000 and Rs 1,300 above Rs 50,000. Infinia (Metal Edition) is excluded. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 10,000 |
|---|---|
| Annual fee | Rs 10,000 |
| Annual spend that waives the fee | Rs 8,00,000 |
| Fee notes | Joining/renewal Rs 10,000 + taxes. Renewal fee waived on Rs 8 lakh spend in 12 months (product page). |
Rewards
| Welcome benefit | Club Marriott, Amazon Prime and Swiggy One memberships on Rs 1.5 lakh spend in the first 90 days (one line on the page limits Swiggy One to 3 months) |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 RP per Rs 150 |
| Base return | 3.33% |
| Point value | 1 RP = Re 1 on SmartBuy flights/hotels; up to 1 airmile; up to Rs 0.50 products and vouchers; up to Rs 0.30 cashback |
| Accelerated earn | 10X RP on hotels and 5X on flights via SmartBuy (up to 10X on SmartBuy); 2X on weekend dining at participating restaurants |
| Capsunverified | Max 75,000 RP per statement cycle; SmartBuy bonus 10,000 RP/month (aggregator); insurance 5,000 RP/month; grocery 2,000, utility 2,000, telecom 2,000 RP/month; flight/hotel redemption capped at 75,000 RP/month and 70% of booking value (MITC) |
| Spends that earn nothing | No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC) |
| Points expiry | 3 years |
| Milestone benefits | 10,000 bonus RP on Rs 4 lakh spend in a calendar quarter |
| Reward notes | No redemption fee (MITC). Points cover up to 70% of a flight/hotel booking. The product page shows 'up to 10X' and '1X on other spends' but does not print the base rate; 5 RP per Rs 150 is from the MITC. base_return_pct = 5 RP per Rs 150 (MITC) x Re 1 (product page) = 3.33%. |
Transfers
| Partnersunverified | Singapore KrisFlyer, Air France-KLM Flying Blue, Finnair Plus, Vietnam Lotusmiles, United MileagePlus, Turkish Miles&Smiles, Avianca LifeMiles, Air India Maharaja Club, British Airways Avios, Qatar Airways Privilege Club, Cathay Asia Miles, Air Canada Aeroplan, Etihad Guest, Thai Royal Orchid Plus, SpiceClub, AirAsia Rewards, Accor ALL, Club ITC, Wyndham Rewards, IHG One Rewards, Marriott Bonvoy, Radisson Rewards |
|---|---|
| Ratiounverified | 1:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson; 2:1 to Accor, Club ITC, United, Turkish, LifeMiles, Air India, Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026; Air India 2:1 confirmed on Air India's page). Min 1,000 points; partner transfers reportedly capped at 75,000 points/month. |
Travel and perks
| Domestic lounge | Unlimited, primary and add-on (1,300+ lounges in India and abroad) |
|---|---|
| International lounge | Unlimited, primary and add-on (Diners lounge network; list in the Diners Travel Tool app) |
| Lounge conditions | Diners acceptance at lounges is narrower than Visa/Mastercard; guests chargeable |
| Forex markup | 2% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebies | 6 complimentary golf games per quarter; 24x7 concierge; up to 40% off dining via Swiggy Dineout; air accident cover Rs 2 crore; emergency overseas hospitalisation Rs 50 lakh; baggage delay cover up to Rs 55,000 (international flights, beyond 8 hours); credit liability cover Rs 9 lakh |
Charges and eligibility
| Interest per month | 1.99% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, net income above Rs 2.5 lakh a month. Self-employed: age 21-65, net income above Rs 30 lakh a year |
| Fine-print notes | Diners network: merchant and lounge acceptance is weaker than Visa/Mastercard, especially abroad. Product page read 2026-10-12. reward_caps still carries an aggregator figure for the SmartBuy bonus cap; transfer partners are not on the page. Conflicts with earlier data (issuer page used): eligibility: aggregator (cardinsider) said salaried above Rs 1.75 lakh/month and self-employed ITR above Rs 21 lakh; page says Rs 2.5 lakh/month and Rs 30 lakh a year. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Diners Club Black Metal Edition Credit Card?
- Rs 10,000 a year, before GST. It is waived if you spend Rs 8,00,000 in a year.
- Does the HDFC Diners Club Black Metal Edition Credit Card give airport lounge access?
- Yes. In India: Unlimited, primary and add-on (1,300+ lounges in India and abroad). Outside India: Unlimited, primary and add-on (Diners lounge network; list in the Diners Travel Tool app). Conditions: Diners acceptance at lounges is narrower than Visa/Mastercard; guests chargeable
- What is the forex markup on the HDFC Diners Club Black Metal Edition Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Diners Club Black Metal Edition Credit Card?
- No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC)