HDFC Bank Diners Club Black Metal Edition Credit Card

Reward Points Benefits 

The HDFC Bank Diners Club Black Metal Edition Credit Card earns Reward Points on eligible spends, as shown below. 

• The 2x Reward Points on dining apply on Saturdays and Sundays only. 
• Wallet payments and EMI transactions are not eligible for the weekend dining benefit. 
• Reward Points are reversed if a transaction is cancelled, refunded or reversed. 

Spends That Do Not Earn Reward Points

• Fuel spends 
• Cash advances 
• Payment of outstanding balances 
• Payment of card fees and other charges 
• Smart EMI and Dial an EMI transactions 
• EMI principal/interest and wallet loading transactions 

Milestone Benefit

• Earn 10,000 bonus Reward Points when your spends reach Rs.4 lakh or more in a calendar quarter. The points are credited within seven working days of meeting the spend condition. 
• Spend Rs.8 lakh in 12 months to get the renewal fee waived for the next renewal year. 

Reward Points Redemption and Validity

You can redeem Reward Points on SmartBuy or NetBanking. The value of one Reward Point depends on the redemption option

• Reward Points can cover up to 70% of the booking value on flights and hotels, and the rest is paid using the credit card. 
• Reward Points remain valid for three years from the date they are earned. 

Travel Benefits

• Unlimited airport lounge access to 1,300+ lounges in India and worldwide for primary and add-on cardholders. 
• Check the domestic lounge list on the HDFC Bank website and the international lounge list on the Diners Travel Tool App. 
• A 24x7 concierge desk helps with travel and lifestyle requests. 
• A markup of 2% applies on all foreign currency spends. 

Lifestyle Benefits

• Play six complimentary golf games every quarter, up to 24 rounds annually, at golf courses across the world. 
• Get up to 40% off on dining with Swiggy Dineout. 
• Enjoy tailor-made offers such as workspaces, business insurance and wellness discounts. 

Insurance Benefits

• Air accident insurance cover of Rs.2 crore. 
• Emergency overseas hospitalisation cover of Rs.50 lakh. 
• Travel insurance cover of up to Rs.55,000 for baggage delay beyond eight hours on international flights, capped at $10/hour. 
• Credit liability cover of up to Rs.9 lakh. 

Banking Benefits

• Enjoy an interest-free credit period of up to 50 days from the date of purchase. 
• Convert large purchases into EMIs after the purchase with SmartEMI. 
• Use revolving credit at the finance charges listed in the fees section. 
• Pay at merchant terminals with contactless payments. 

Eligibility Criteria for the HDFC Bank Diners Club Black Metal Edition Credit Card

Salaried Individuals 

• The applicant must be an Indian national. 
• The applicant must be between 21 years and 60 years of age. 
• The net monthly income must be above Rs.2.5 lakh. 

Self-Employed Individuals 

• The applicant must be an Indian national. 
• The applicant must be between 21 years and 65 years of age. 
• The net income must be above Rs.30 lakh p.a. 

Card approval is at the sole discretion of HDFC Bank and is subject to documentation and verification. 

Documents Required for the HDFC Bank Diners Club Black Metal Edition Credit Card

Identity Proof 

• Passport 
• Aadhaar card 
• Voter ID 
• Driving licence 
• PAN card 
• Passport-size photographs 

Address Proof 

• Utility bills (electricity, water, gas or telephone) 
• Rental agreement 
• Passport 
• Aadhaar card 
• Voter ID 

Income Proof 

• Salary slips (for salaried individuals) 
• Income Tax Returns (for self-employed individuals) 
• Form 16 
• Bank statements 

How to Apply for the HDFC Bank Diners Club Black Metal Edition Credit Card?

The application takes four steps: 

• Provide and validate your phone number and date of birth or PAN. 
• Confirm your details. 
• Select your card. 
• Submit your application and receive your card. In certain cases, you may need to upload documents and complete video KYC. 

You can apply through any of these channels: 

• HDFC Bank website 
• PayZapp app 
• NetBanking, for existing HDFC Bank customers, from the Cards section 
• HDFC Bank branch 

How to Pay the HDFC Bank Diners Club Black Metal Edition Credit Card Bill?

• PayZapp: Pay your credit card bill through the PayZapp app. 
• HDFC Bank MobileBanking App: Pay your credit card bill after logging in to the app. 
• BillDesk: Pay your HDFC Bank credit card bill through the BillDesk platform. 

How to Manage Card Controls on the HDFC Bank Diners Club Black Metal Edition Credit Card?

You can enable or disable online, contactless and international usage, and set transaction limits, through any of these channels: 

• NetBanking: Go to Cards, select the card, click Manage Card and choose Manage Domestic and International Limits. 
• HDFC Bank MobileBanking App: Go to Cards, select the card and click Manage Limits. 
• MyCards: Log in with your registered mobile number and OTP, and open the Card Control tab. 
• PayZapp: Open MyCards from the homepage and use the Card Control tab. 
• WhatsApp Banking: Send Credit Card to HDFC Bank's official number 7070022222 and choose Manage My Card. 
• Toll-free IVR: Call 1800 1600 or 1800 2600 between 8 a.m. and 8 p.m. 

Fees and Charges of the HDFC Bank Diners Club Black Metal Edition Credit Card

Note: Interest rates updated on 5 October 2026. 

Late Payment Charges

Note: Late payment charges are exclusive of applicable taxes. 

HDFC Bank Diners Club Black Metal Edition Credit Card Customer Care

For any query or complaint about the HDFC Bank Diners Club Black Metal Edition Credit Card, please contact HDFC Bank directly through the channels below. 

Summary

The HDFC Bank Diners Club Black Metal Edition Credit Card is a premium credit card for high-income salaried and self-employed Indians that combines unlimited airport lounge access, quarterly golf games and bonus Reward Points on high spends. Cardholders also earn 2x Reward Points on weekend dining and accelerated Reward Points on SmartBuy bookings, and can get the renewal fee waived by meeting the annual spend condition. Check your eligibility and apply through the HDFC Bank website, the PayZapp app, NetBanking or an HDFC Bank branch.

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