For anyone seeking the best in lifestyle privileges, travel experiences, and perks, HDFC Bank has launched an upgraded version of one of its most premium products – HDFC Diners Club Black Metal Edition Credit Card. This card is targeted towards high-net-worth individuals and travelers who want to have a luxury credit card, but also a credit card that delivers genuine value, with substantial rewards and exclusive access. We’ll take a look at what is special about the Diners Club Black Metal Edition and if it deserves a place in your premium wallet.
Overview
The HDFC Diners Club Black Metal Edition is the upgraded version of the Diners Club Black credit card. As you can tell from its name, this version comes with a new, sleek metal form factor, giving it a different feel, as well as a sense of prestige and durability. Thankfully, the metal version is not only about appearance, but also the clever and robust features packed inside that make this card one of the best.
Key Features & Benefits
- Welcome & Renewal Benefits
- Welcome voucher of ₹5,000 (from premium brands such as Tata CLIQ, Marriott or Apple) when you spend ₹1.5 lakh with 90 days.
- Annual renewal voucher of ₹5,000 once you have spent the annual limit of ₹8 lakh.
- Fast-Track Reward Points
- Earn 5 Reward Points for every ₹150 spent by using the card.
- Enjoy 10X reward points on eligible spends (up to 10,000 reward points/month) spent on the partner platforms on Tata CLIQ Luxury, Marriott, and Apple using SmartBuy.
- You can redeem the points for flights; Hotel stays and even products from Apple. 1 reward point = ₹1 for Flights & hotels.
- Lounge Access
- Unlimited access to international airport lounges for primary and add-on cardholders via Priority Pass.
- Unlimited access to domestic lounges via the card and you do not need a separate membership, at major Indian airports.
- Global Acceptance & Forex Markup
- Accepted in over 200 countries.
- The Forex Markup fee of only 1.99% makes this card a solid travel companion for international spends.
- Golf Benefits
- Complimentary access up to 6 golf games per quarter to select courses in India and abroad.
- Milestone Benefits
- Spend ₹20 lakh, and get complimentary Club Marriott membership that offers discounts on dining and stays at Marriott properties in India, and across the Asia – Pacific.
- Protection & Security
- Full insurance coverage, including air accident insurance and emergency medical insurance.
- Zero liability protection against loss or theft if the card is reported in a timely manner.
Also read: Can You Get a Credit Card with a CIBIL Score of 600? Here’s the Truth!
Fees and charges
| Particulars | Details |
| Joining Fee | ₹10,000 + taxes |
| Renewal Fee | ₹10,000 + taxes (waived on ₹8L spend) |
| Foreign Mark-up | 1.99% |
| Interest Rate | 3.6% per month (APR of 43.2%) |
Who Should Apply?
- Frequent travelers (both domestic and international)
- Luxury shoppers/high spenders
- Individuals who want luxury concierge services, rewards, and experiences
- Individuals with excellent credit, buying things month-to-month that total ₹1 lakh or more.
Though HDFC Infinia is generally considered the most exclusive, Diners Club Black Metal Edition is relatively easy to acquire while still providing almost the same benefits even for frequent travelers and ongoing users of the SmartBuy channel.
Final Thoughts
HDFC Diners Club Black Metal Edition Credit Card is not just a status symbol. It is a potent, full spectrum premium credit card, which can reward substantial or heavy spenders with significant benefits. From airport lounges, luxury hotel vouchers, SmartBuy rewards, and golf privileges, it can provide terrific values if you can achieve the required expenditure limit.
Written by Pranjal Data
