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HDFC BANK LTD
HDFC Diners Club Black Metal Edition Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium metal credit card offering exclusive lifestyle benefits, unlimited lounge access, and quarterly milestone benefits with no daily reward capping
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Metal card design
Highlight 2
Global Personal Concierge service (24x7)
Highlight 3
Unlimited airport lounge access
Highlight 4
6 complimentary golf games every quarter across premium courses worldwide
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹10,000
The front-loaded charge when you apply.
Annual fee
₹10,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹10,00054% Offset
Earns back 54% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Unlimited domestic and international lounge access for primary and add-on cardholders"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Excellent for Swiggy users and online shoppers with strong 10% cashback on food delivery and 5% on e-commerce; free 3-month Swiggy One membership adds value"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Base Rate: 1 Fuel Point for every ₹150 spent on other categories
- RP to Rupees: 1% = ₹1
- Accelerated Rewards Program: 10x on specific merchants (BigBasket, Uber, Swiggy)
- Dining: 20% fine dining discounts
Cons
- Welcome Offer: 500 CashPoints on payment of membership fee
- Travel (Hotels & Other): Unlimited domestic and international lounge access for primary and add-on cardholders
- Movie/Entertainment: NA
- Other Features: Revolving credit
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