HDFC Diners Club Black Metal Edition Credit Card
A premium metal credit card offering luxury travel benefits, elite lounge access, high reward points, and top-tier lifestyle privileges.
About HDFC Diners Club Black Credit Card
HDFC Diners Club Black Credit Card stands out as one of India’s top premium cards and serves as a strong alternative to HDFC Bank’s invitation-only Infinia Credit Card. Although it offers benefits across multiple lifestyle categories such as dining, shopping, and golf, its core strength lies in its travel-focused features. Users get an impressive reward rate of 3.33% on regular spending and can earn up to 33% back through SmartBuy, making it more rewarding than several other premium options, including Axis Magnus and ICICI Emeralde Private.
Frequent travellers will find this card especially valuable due to its 1:1 point-to-mile conversion and seamless redemption for flights and hotel stays. The card also includes extensive international lounge access for both primary and add-on cardholders, a low forex markup fee, and the convenience of transferring reward points to major airline and hotel partners. Together, these benefits make the HDFC Diners Club Black a highly appealing choice for users who travel often and want maximum value from their premium credit card.
HDFC Diners Club Black Rewards Program
Reward Earning
Cardholders earn 5 reward points for every Rs. 150 spent on retail purchases across most categories. The card also offers accelerated earnings through the SmartBuy platform, where users can get up to 10X reward points on selected bookings and purchases, significantly increasing the overall value of their spending.
Reward Points Redemption
The HDFC Diners Club Black Credit Card provides multiple ways to redeem accumulated points. Travellers can convert reward points into air miles at a 1:1 ratio, making it a strong choice for those who frequently fly. Points can also be used to book flights or hotels through the SmartBuy portal at the rate of 1 point = Re. 1. For shopping and voucher redemptions through the catalogue, the value can go up to Re. 0.50 per point. If users prefer cashback, points can be redeemed at Re. 0.30 per point.
HDFC Diners Club Black Credit Card Transfer Partners
The card supports an extensive network of transfer partners, allowing users to convert their reward points into partner airline or hotel loyalty programs.
1 point = 1 partner mile/point with:
SpiceClub (SpiceJet), AirAsia, Finnair Plus (Avios), Flying Blue, Hainan Airlines Fortune Wings Club, IHG One Rewards, Vietnam Airlines LotusMiles, Wyndham Rewards.
1 point = 0.5 partner mile/point with:
Club ITC Green Points, Aeroplan (Air Canada), ALL – Accor Live Limitless, Avianca LifeMiles, British Airways Executive Club, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus.
This flexible rewards ecosystem makes the HDFC Diners Club Black Credit Card an excellent option for travellers looking to maximise point conversions and enjoy premium benefits across various global loyalty programs.
Other Features and Benefits
Welcome Benefit
Cardholders can enjoy complimentary annual memberships to Club Marriott, Times Prime, Amazon Prime, MMT Black Elite Tier, along with a three-month Swiggy One subscription. These benefits are unlocked by spending Rs. 1.5 lakh within the first 90 days or upon payment of the first-year fee. The memberships can be renewed every year on achieving annual spends of Rs. 8 lakh.
Monthly Milestone Benefits
By spending Rs. 80,000 in a month, users receive two monthly vouchers. These can be redeemed for a one-month cult.fit Live membership, or as Rs. 500 vouchers for BookMyShow, TataCLiQ, or Ola, helping cardholders earn value consistently throughout the year.
Golf Benefit
The card offers 6 complimentary golf games per quarter at premium golf courses worldwide, making it an excellent choice for enthusiasts seeking elite recreational privileges.
Lounge Access and Travel Benefits
Primary and add-on cardholders get unlimited access to domestic and international airport lounges, creating a seamless and comfortable travel experience. Additionally, the card features a competitive forex mark-up fee of just 2%, ideal for international travellers.
Dining Benefit
Users receive a flat 10% discount on restaurant bills when booking through Swiggy Dineout, adding savings to everyday dining.
Diners Exclusive Offers
The card includes a premium set of Diners-exclusive privileges such as priority check-in and baggage assistance through the Fast Track Airport Experience. Users also enjoy preferential access and discounts at select luxury spas in India and exclusive offers at top fine-dining restaurants.
Insurance Benefits
The HDFC Diners Club Black provides extensive insurance coverage, including:
Air accidental insurance: Rs. 2 crore
Emergency overseas hospitalization: Rs. 50 lakh
Credit liability protection: Up to Rs. 9 lakh
Travel insurance: Up to Rs. 55,000 for baggage delay (limited to $10 per hour, up to 8 hours)
Fuel Surcharge Waiver
Cardholders receive a 1% fuel surcharge waiver across all fuel stations in India on transactions of Rs. 400 and above, with a maximum waiver of Rs. 1,000 per statement cycle.
Other Benefits
Users get access to exclusive discounts at top spas, gyms, wellness centers, and premium brands such as Sarva Yoga, Eyewearlabs, RoundGlass Living, Tattva Spa, SleepyCat, Himalayan Hideaway, and Neemrana Hotels. A dedicated 24×7 concierge service is also available for dining reservations, golf course referrals, travel bookings, and car rentals.
HDFC Diners Club Black Metal Edition Credit Card Reward Points & Cashback Calculator
Reward Points Calculator
Fees and Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 10,000 + Taxes |
| Annual Fee | Rs. 10,000 + Taxes |
| Finance Charges | 1.99% p.m. (23.88% p.a.) |
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher |
| Rewards Redemption Fee | Nil |
| Late Payment Charges | For Statement Balance:Up to Rs. 100:NilRs. 101 to Rs. 500:Rs. 100Rs. 501 to Rs. 1,000:Rs. 500Rs. 1,001 to Rs. 5,000:Rs. 600Rs. 5,001 to Rs. 10,000:Rs. 750Rs. 10,001 to Rs. 25,000:Rs. 900Rs. 25,001 to Rs. 50,000:Rs. 1,100More than Rs. 50,000:Rs. 1,300 |
HDFC Diners Club Black vs. Axis Magnus vs. ICICI Emeralde Private
Let’s understand how much you can save on monthly spends of Rs. 1 Lakh through these three
| Category | Amount (in Rs.) | HDFC DC Black (RP) | Axis Magnus (RP) | ICICI Emeralde Private (RP) |
|---|---|---|---|---|
| Travel | 30,000 | 1,000 | 1,800 | 900 |
| Online Shopping | 15,000 | 500 | 900 | 450 |
| Departmental Store | 10,000 | 333 | 600 | 300 |
| Utility Bills | 20,000 | 666 | 1,200 | 600 |
| Dining | 10,000 | 333 | 600 | 300 |
| Fuel | 5,000 | 166 | 300 | 150 |
| Other | 10,000 | 333 | 600 | 300 |
| Total | 1,00,000 | 3,331 | 6,000 | 3,000 |
| Redemption Value | ||||
| Airmile Conversion | – | 3,331 Air Miles | 2,400 Air Miles | NA |
| Travel Bookings through Rewards Portal | – | Rs. 3,331 | Rs. 1,200 | Rs. 3,000 |
| Other Purchases through Rewards Portal | – | Rs. 1,665 | Rs. 1,200 | Rs. 3,000 |
| Statement Credit | – | Rs. 999 | NA | NA |
HDFC Diners Club Black stands ahead of other premium cards like Axis Magnus and ICICI Emeralde primarily due to its higher reward rate and superior redemption flexibility. With DC Black, users can convert reward points into air miles or redeem them for flights and hotel bookings at a 1:1 value through the travel portal, making it extremely attractive for frequent travellers. In contrast, ICICI Emeralde does not support point-to-mile conversion; its rewards can only be redeemed through the bank’s reward portal at a 1:1 value, and travel redemptions are restricted to vouchers, which limits overall usability.
Axis Magnus, despite offering strong reward earning potential, loses out because its redemption value is comparatively lower, reducing the effective benefit customers receive from accumulated points. When you factor in earning potential, redemption flexibility, and overall cost, HDFC Diners Club Black clearly delivers the best value for money among the three premium credit cards.
Things to Know Before You Apply
Get this card if:
You travel frequently and want a premium card that helps you save significantly on flight and hotel bookings.
You prefer having one credit card that covers multiple lifestyle categories instead of managing several cards for different needs.
You can comfortably spend Rs. 80,000 or more each month to qualify for the monthly milestone rewards.
You are willing to pay a higher annual fee in exchange for premium travel, lifestyle, and reward benefits.
Eligibility Criteria
Occupation: Available for both salaried and self-employed individuals
Age Requirement: 21 to 60 years for salaried applicants; up to 65 years for self-employed professionals
Minimum Income (Salaried): Rs. 2.5 lakh per month
Minimum Income (Self-employed): Rs. 30 lakh per annum
Steps to Close HDFC Diners Club Black Metal Edition Credit Card
If you wish to cancel your HDFC Diners Club Black Metal Edition Credit Card, it is important to follow the official closure process provided by HDFC Bank to ensure a smooth and secure experience.
Contact Customer Care
- Reach out to HDFC Bank’s credit card support using the helpline number mentioned on the back of your card or available on the official website.
- Follow the IVR instructions and select the option related to credit cards.
- Speak with a customer care executive and request closure of your credit card.
Initiate Closure Request
- Ask the representative to register your credit card closure request.
- You may also be guided through IVR steps or digital banking options to complete the process.
- Follow all instructions carefully to avoid any delays.
Complete Verification
To proceed with the closure request, you will need to verify your identity by providing:
- Full name
- Registered mobile number
- Last four digits of your credit card
- Any additional details if required by the bank
Confirm the Closure
- After successful verification, confirm your request to close the credit card.
- Ensure that all outstanding dues are fully cleared before final approval.
- The bank may take a few working days to process your request.
Important Points to Consider
- Ensure all pending dues including EMIs, interest, and applicable charges are fully paid before initiating closure
- Redeem any unused reward points or benefits, as they may expire after the account is closed
- Do not use the card after submitting the closure request
- Cancel all auto-debits, subscriptions, and standing instructions linked to the card
- Request confirmation via SMS or email once the closure is completed
After Card Closure
- Cut the card diagonally across the chip and magnetic strip to prevent misuse
- Dispose of the card securely
Verify Closure Status
- After a few weeks, check your credit report to ensure that the account status is updated as “Closed”
- If you notice any discrepancy, contact HDFC Bank immediately for correction
HDFC Diners Club Black Metal Edition Credit Card Helpline Number
If you need assistance related to your HDFC Diners Club Black Metal Edition Credit Card, you can get in touch with the customer support team of HDFC Bank. The bank offers support for billing queries, payments, card blocking, reward points, and other credit card services.
Customer Care Numbers (India)
- Primary Helpline
1800 202 6161 - Alternate Helpline
1860 267 6161
These numbers can be used for all types of credit card-related queries across India.
International Support
- Overseas Helpline
+91-22-6160 6161
This number is useful if you are calling from outside India for assistance with your credit card.
Email Support
- Customer Care Email
customerservices.cards@hdfcbank.com
You can send your queries, complaints, or service requests using your registered email ID for faster processing.
Availability
- Customer support for general queries is available during standard working hours
- Emergency services such as card blocking are available 24×7
Services Available
- Assistance with billing and statement-related queries
- Support for payments and outstanding balance details
- Help in reporting lost or stolen credit cards
- Card blocking, replacement, or reissue requests
- Guidance for credit card closure or cancellation
Important Points
- Keep your registered mobile number and card details ready for verification
- Do not share sensitive information such as OTP, PIN, or CVV with anyone
- Always use official communication channels of HDFC Bank for secure support
- Report any suspicious or unauthorized transactions immediately to prevent potential loss
FAQs
What is the value of 1 HDFC Diners Club Black reward point in rupees?
The value of reward points on the HDFC Diners Club Black Credit Card varies depending on how you choose to redeem them. When transferring points to airline partners or booking flights and hotels through the SmartBuy platform, 1 reward point is equal to Re. 1 or 1 air mile. For product catalogue redemptions, the value drops to Re. 0.50 per point, and for cashback, you receive Re. 0.30 per point.
What is the minimum income required to be eligible for the HDFC Diners Club Black Credit Card?
To apply for this card, the minimum income required is Rs. 2.5 lakh per month for salaried individuals and Rs. 30 lakh per year for self-employed applicants.
How does the 10X rewards program on HDFC Diners Club Black work?
The card offers 10X reward points on select categories when you make purchases through the HDFC SmartBuy platform. Currently, enhanced rewards are available on hotel bookings, IGP, Jockey, and PharmEasy. These categories may change periodically at the bank’s discretion, so it’s advisable to check the SmartBuy offers before completing a transaction.
What is the maximum value-back I can earn with the HDFC Diners Club Black Card in a year?
Cardholders can earn up to 75,000 reward points per statement cycle, which totals up to 9 lakh reward points annually, assuming maximum monthly accumulation.
What is the process for redeeming HDFC Diners Club Black reward points for air miles?
To convert reward points into air miles, simply log in to the HDFC SmartBuy portal, choose the airline partner, enter your loyalty program ID, select the number of points you want to transfer, and confirm the conversion. The miles will be credited to your airline loyalty account and can be used directly on the airline’s booking platform.
How does the golf benefit on HDFC Diners Club Black work?
The card provides 6 complimentary golf games per quarter at select premium golf courses. Bookings can be made by calling the 24×7 Golf Concierge Assistance at the toll-free number 1800 118 887, or the landline 022-42320226. For international travelers, bookings can be arranged through 022-6171 7606.