HDFC Bank
Diners Club Black Metal Edition Credit Card
Annual Fee
₹11,800₹10,000 + GSTBase 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
dining
2X RP on weekend dining
4.333333333333334%
Fee Waiver
Waived on ₹10L annual spend
Merchant-Specific Rewards
smartbuy
10X RP on SmartBuy hotels
smartbuy
5X RP on SmartBuy flights
Reward Calculator
Earns ₹12,600/year (net)
Modest gain. Solid hold if you like the perks.
₹19K
across all your buckets
24.4K
HDFC Reward Points
₹24.4K
via smartbuy flights
Effective rate
10.70%
Annual fee
₹11,800
Year 1 net
+₹12,600
Year 2+ net
+₹12,600
ongoing
Adjust your spend by reward bucket
4 bucketsRedemption channels
highest value = bestSmartbuy flights
₹1/pt
Catalogue
₹0.65/pt
Milestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
10,000 bonus RP
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, wallet, rent, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.5L+
Self-Emp
₹10.0L+
Networks
Fee Waiver
Waived on ₹10L annual spend