HDFC Bank Diners Club Black Metal Edition
HDFC Bank · Diners Club · Super Premium card
HDFC’s Diners-network sibling to Infinia: nearly identical economics but worth comparing directly if Diners Club acceptance matters less to you than the SmartBuy ecosystem.
High-spend HDFC relationship customers comparing metal-tier cards before choosing Infinia vs. this Diners variant.
Terms checked 13 Sept 2026
- Annual fee
- ₹10,000 + GST
- Joining fee
- ₹10,000 + GST
- Base reward rate
- 3.3%
- Forex markup
- 2%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 3.3% |
| Online shopping | 3.3% |
| Dining & delivery | 3.3% |
| Groceries & essentials | 3.3% |
| Beauty & wellness | 3.3% |
| Entertainment & movies | 3.3% |
| Subscriptions & streaming | 3.3% |
| Offline store shopping | 3.3% |
| Bills & utilities | 3.3% |
| International spending | 3.3% |
| Insurance premiums | 3.3% |
| Education & family | 3.3% |
| Healthcare & pharmacy | 3.3% |
| Other miscellaneous | 3.3% |
| Gold & jewellery | 3.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹8,00,000 annual spending
- Monthly income requirement
- Approx. ₹2,50,000/month salaried · ₹2,50,000/month self-employed
Airport lounge access
Unlimited domestic airport lounge visits • Unlimited international airport lounge visits
1 domestic airport lounge visit per year · Issuer card
Guest access: Not specified
Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
1 international airport lounge visit per year · Issuer card
Guest access: Not specified
Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 9 items
SmartBuy hotel rewards
Usage-based value10X applies only to eligible hotel bookings completed through SmartBuy.
Conditions: 10X applies only to eligible hotel bookings completed through SmartBuy.
SmartBuy flight rewards
Usage-based value5X applies only to eligible flight bookings completed through SmartBuy.
Conditions: 5X applies only to eligible flight bookings completed through SmartBuy.
Weekend dining rewards
Usage-based value2X applies only at participating dining merchants during the published weekend offer.
Conditions: 2X applies only at participating dining merchants during the published weekend offer.
Eligible grocery rewards
Usage-based value5 points per ₹150, subject to the separate grocery cap.
Eligible utility rewards
Usage-based value5 points per ₹150, subject to the separate utility cap.
Eligible insurance rewards
Usage-based value5 points per ₹150, subject to the separate insurance cap.
Other eligible rewards
Usage-based value5 reward points per ₹150 on other eligible settled retail purchases.
5 reward points per eligible ₹150
Shown without a cash value10,000 bonus points each calendar quarter at ₹4 lakh eligible spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹10,000₹10,000 annual fee before applicable tax.
Joining fee
Cost ₹10,000₹10,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹10,000Annual fee may be waived after ₹8,00,000 of eligible annual spending.
Conditions: Reach ₹8,00,000 eligible annual spending
Welcome benefits · 3 items
Club Marriott annual membership
Shown without a cash valueFirst-year Club Marriott membership in the current welcome package.
Conditions: Spend ₹1.5 lakh within 90 days of card issuance · Activate and enrol under issuer fulfilment terms
Amazon Prime annual membership
Shown without a cash valueAnnual Amazon Prime membership in the current welcome package.
Conditions: Spend ₹1.5 lakh within 90 days of card issuance · Partner fulfilment terms apply
Three months of Swiggy One
Shown without a cash valueThree-month Swiggy One membership in the current welcome package.
Conditions: Spend ₹1.5 lakh within 90 days of card issuance · Partner fulfilment terms apply
Spend milestones · 1 item
10,000 points at ₹4 lakh quarterly spend
10,000 reward unitsUnlocked after ₹4,00,000 of eligible spending.
Conditions: Reach ₹4,00,000 per calendar quarter
Airport lounge access · 2 items
Domestic lounge access
Usage-based valueUnlimited visits through Issuer card. Guest access: not specified. Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
International lounge access
Usage-based valueUnlimited visits through Issuer card. Guest access: not specified. Unlimited; the positive visit placeholder is ignored when unlimited is true. Published for primary and add-on cardholders.
Dining · 2 items
Up to 40% Swiggy Dineout savings
Shown without a cash value10X on SmartBuy hotels, 5X on SmartBuy flights and 2X on participating weekend dining
Shown without a cash value
Golf · 1 item
Six golf games per quarter, capped at 24 per year
Shown without a cash value
Insurance and protection · 4 items
₹2 crore air-accident cover
Shown without a cash valueOverseas medical cover up to ₹50 lakh
Shown without a cash valueBaggage-delay cover up to ₹55,000
Shown without a cash valueCredit-liability cover up to ₹9 lakh
Shown without a cash value
Memberships · 1 item
Club Marriott annual membership, Amazon Prime annual membership and three months of Swiggy One after ₹1.5 lakh spend in 90 days
Shown without a cash value
Concierge · 1 item
24/7 concierge
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹2,50,000. Self-employed threshold is derived from the published ₹30 lakh annual income requirement.
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 5 reward points per eligible ₹150
- ✓ 10X on SmartBuy hotels, 5X on SmartBuy flights and 2X on participating weekend dining
- ✓ 10,000 bonus points each calendar quarter at ₹4 lakh eligible spend
- ✓ Unlimited domestic and international lounge access for primary and add-on cardholders
What to watch
Diners Club has narrower merchant acceptance in India than Visa/Mastercard/RuPay: check acceptance at your regular spend locations first.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Government payments · Emi · Cash withdrawal
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026