HDFC Bank
Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Base Reward
1% cashback
Foreign Markup
3.5% + GST
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
Category Rewards
travel
10% CashBack
10%
dining
3% CashBack
3%
Fee Waiver
Waived on ₹10L annual spend
Merchant-Specific Rewards
Marriott
10% CashBack(10,000 CashPoints/cycle)
Taj Hotels
10% CashBack(10,000 CashPoints/cycle)
ITC Hotels
10% CashBack(10,000 CashPoints/cycle)
Rewards Details
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
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.
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
Partner Merchants
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.5L+
Self-Emp
₹10.0L+
Networks
Fee Waiver
Waived on ₹10L annual spend