HDFC Bank Diners Club Black Metal Edition Credit Card: Features

Summary

Designed for those who value the privilege of special benefits and a luxury lifestyle, the HDFC Bank Diners Club Black Metal Edition Credit Card is a high-end, luxury credit card. Given its high-end reputation, its metallic, tough finish will say it all. Travel and luxury enthusiasts will be interested in its array of privileges.

A few of the most impressive features of the card include unlimited trips to more than 1,000 airport lounges globally, free rounds of golf on specified courses, and a 24/7 concierge service. The card members also enjoy a range of travel perks, such as discounts on hotel and flight bookings, and also the ability to exchange reward points for frequent flyer miles or cashback. It also provides comprehensive insurance coverage, including air accident coverage and foreign hospitalization benefits.

When it comes to rewards, there are 5 reward points given for every ₹150 of spend, along with additional points on spends done using HDFC Bank’s SmartBuy platform. Welcome and milestone benefits are also offered by the Credit card, for example, 10,000 bonus points for reaching certain spend milestones.

Introduction

In today’s hectic lifestyle, holding a premium credit card is not a matter of extravagance — it’s all about luxury, convenience, and superior rewards. The HDFC Bank Diners Club Black Metal Edition Credit Card is one of these premium credit cards. The card is designed for people who are interested in traveling luxuriously, eating at high-end restaurants, shopping at high-end stores, and pampering themselves for their way of living.

It is not a common credit card. It comes with a premium metal finish, which gives it a stylish and royal look. The metallic version not only appears stunning but even feels heavy and elegant in your hand. Apart from the looks, it comes with several practical features that make it one of the favorite credit cards in India at present.

The HDFC Diners Club Black Metal Edition Credit Card offers a world of privileges. From a frequent flyer to an elite shopper, this card grants superior benefits like unlimited free access to airport lounges around the globe, global concierge services, and specialty dining reductions. You also get 5 reward points for each ₹150 that you spend and can exchange the same to buy flight tickets, stays, or high-end products from premium brands. Provided that you spend wisely and regularly, this card rewards you back in the shape of thrilling rewards.

Here in this article, we will elaborate in detail on the top-notch features, benefits, rewards, eligibility, and charges of HDFC Diners Club Black Metal Edition Credit Card. Whether you are about to apply for this card or you simply want to know if this card is good enough for your lifestyle or not, this guide will simplify all things for you and make it easy to understand.

What is the HDFC Bank Diners Club Black Metal Edition Credit Card?

The HDFC Diners Club Black Metal Edition Credit Card is a premium, luxury credit card suitable for those who are fond of luxury, travel, and exclusive privileges. It offers a plethora of exciting features, including unlimited lounge access at airports around the world, exclusive offers at restaurants, and the ability to earn rewards points on each purchase.

Made of metal, the Credit card has a stylish and durable appearance with a premium feel. It is suited for those who spend considerably on travel, shopping, and eating out on a daily basis and comes with benefits like low foreign exchange fees, rewards on golf, and insurance coverage. Overall, it is an excellent card for those looking for luxury and value in their credit card experience.

What is the design of the HDFC Bank Diners Club Black Metal Edition Credit Card?

Its task is to exude exclusivity and luxury and, as such, HDFC Diners Club Black Metal Edition Credit Card has a contemporary and classy look. Unlike conventional plastic cards, this one’s got an elitist and sturdier feel because its imposing metal build.

Through its plain embossed worldwide design, the smooth black overlay of the card highlights world availability and luxury level. Highlighting its sophisticated connotations, the HDFC Bank and Diners Club International logos most clearly appear from the front. Contactless payment technology, also highlighted on the card, safely and efficiently makes purchases easier and faster.

What are the benefits of the HDFC Bank Diners Club Black Metal Edition Credit Card?

The following are some of its best features:

1. Welcome and Milestone Benefits

• Welcome Offer: Earn 10,000 bonus reward points by spending ₹1.5 lakh in 90 days from the date of card issue.

• Quarterly Milestone: Earn 10,000 bonus reward points by spending ₹4 lakh or more in a quarter of the calendar year.

• Monthly Milestone: Receive two rewards, either Ola or ₹500 BookMyShow vouchers from TataCLiQ, or one-month cult.fit Live membership on crossing ₹80,000 in a calendar month.

2. Reward Points Program

• Earning Rate: Get 5 reward points for each ₹150 spent on retail transactions.

• SmartBuy Bonus: Get a total of 10X reward points on purchases made on the HDFC Bank SmartBuy website.

• Redemption Choices: Redeem points to book flights and hotels, redeem points for frequent flyer miles, or cashback.

3. Travel and Lifestyle Privilege

• Airport Lounge Access: Experience unlimited access to more than 1,000 airport lounges globally.

• Golf Benefits: Get up to 6 free golf rounds each quarter at network golf courses all over the world.

• Concierge Service: 24/7 concierge services for travel reservations, restaurant bookings, etc.

• Club Marriott Membership: Get a free one-year membership with dining, stay, and spa privileges at member Marriott hotels.

4. Insurance Covers

• Air Accident Coverage: Cover up to ₹2 crore.

• Emergency Overseas Hospitalization: Cover up to ₹50 lakh.

• Baggage Delay: Delay of over 8 hours in baggage on international travel.

• Credit Liability Cover: Insure up to ₹9 lakh.

What are the fees for the HDFC Bank Diners Club Black Metal Edition Credit Card?

Here is a simple HDFC Diners Club Black Metal Edition Credit Card fee breakup.

Joining Fee	₹10,000 plus GST
Annual Fee	₹10,000 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 1.99% per month (23.88% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Diners Club Black Metal Edition Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank Diners Club Black Metal Edition Credit Card?

The documents that you will have to submit to Get an HDFC Diners Club Black Metal Edition Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Diners Club Black Metal Edition Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC Diners Club Black Metal Edition Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your HDFC Diners Club Black Metal Edition Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HDFC Diners Club Black Metal Edition Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Diners Club Black Metal Edition Credit Card?

The credit limit of the HDFC Diners Club Black Metal Edition Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank Diners Club Black Metal Edition Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Diners Club Black Metal Edition Credit Card.

• Just hover your cursor on the HDFC Diners Club Black Metal Edition Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC Diners Club Black Metal Edition Credit Card.

• Request for the credit card application form for the HDFC Diners Club Black Metal Edition Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Diners Club Black Metal Edition Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Diners Club Black Metal Edition Credit Card in 2025 be right?

Yes, the HDFC Diners Club Black Metal Edition Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

In short, the HDFC Bank Diners Club Black Metal Edition Credit Card is one of the most luxurious and exclusive credit cards available today. With its metal finish, it offers a card that does more than enable transactions; it’s a luxury statement and an invitation to the elite world of rewards. The card comes packed with numerous benefits, such as unrestricted use of airport lounges all over the world, excellent dining rewards, concierge, and a variety of travel-related benefits such as golf rounds and high-end hotel discounts.

Apart from that, it also treats you well with reward points on every purchase, and the points can be redeemed against exciting travel adventures, hotel stays, and even frequent flyer miles. The card also provides you with complete insurance cover, such as air accident and foreign hospitalization cover, so you’re always covered on the road.

Although the Credit card carries a high annual fee, the many benefits that it offers far more than compensate for the expense for those who travel frequently, dine out frequently, and utilize upscale services. The aspect of waiving the renewal fee by reaching an annual spend level adds another dimension of value to this upscale product.

Frequently Asked Questions (FAQ’s)