Annual fee₹10,000+ GST
Forex markup2%
Interest1.99%a month
NetworkDiners Club
You earn
Perks & rules
What changed
No changes yet. We re-check every week.
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate5 points per ₹150 spent
Higher rates
- Weekend dining: 2X (10 points per ₹150) at standalone restaurants on Saturdays and Sundays
- SmartBuy: Up to 10X on SmartBuy hotels, 5X on flights
Limits
- Up to 75,000 points per statement cycle
- Insurance up to 5,000 points a month; grocery up to 2,000 a month
- Earned only on spends in multiples of ₹150
Doesn't earn on
- Fuel (no points), EasyEMI, wallet loads
- Rent and government payments
- Education payments via third-party apps (CRED, Cheq, MobiKwik etc.)
- Online skill-based gaming
Where it landsBase points on the day the transaction posts
What a point is worth
ValueUp to ₹1 on SmartBuy flights/hotels; up to 1 airmile; up to ₹0.50 vouchers; up to ₹0.30 against your bill
Expiry3 years; all points lost if the card isn't used for 365 days
Redemption fee₹99 + GST per redemption
Welcome benefit
WelcomeAnnual Club Marriott, Amazon Prime and Swiggy One memberships on ₹1.5 lakh spend in the first 90 days
Milestones
Milestones
- 10,000 points on ₹4 lakh spend in a calendar quarter, credited within 7 working days
Airport lounges
DomesticUnlimited, 1,300+ lounges in India and abroad, primary and add-on
InternationalUnlimited (same programme)
Fuel
FuelNo fuel surcharge waiver
Spending abroad
Forex markup2%
Fees
Joining fee₹10,000 + GST
Annual fee₹10,000 + GST
Fee waiverSpend ₹8 lakh in 12 months
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest1.99% a month (23.88% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–60 (salaried), 21–65 (self-employed)
SalariedNet monthly income above ₹2.5 lakh
Self-employedNet income above ₹30 lakh a year
More perks
Perks
- 6 golf games a quarter
- Air accident cover ₹2 crore
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Diners Club Black Metal product page Product page · 2 Oct 2026
- Diners Club Black Metal T&C Card T&C · 1 Jun 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
Card image: HDFC Bank's own website.
