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The HDFC Diners Club Black Credit Card is a premium credit card designed for frequent travellers, high-value spenders, and anyone who wants exclusive lifestyle privileges. From travel and dining benefits to premium rewards and luxury experiences, it delivers value across every transaction. Apply online through Airtel Finance in a quick, fully digital process.
Calculate your HDFC Diners Club Black Metal Credit Card EMI instantly and estimate your monthly EMI, total interest, and total repayment amount on high-value spends.
| Month | Principal | Interest | EMI | GST (18%) | Final EMI |
|---|
The reward structure on this card does not bother with rotating categories or quarterly activations. It earns, simply and consistently.
Five reward points for every ₹150 spent. No exclusions. No capped categories. Just a steady earn rate with the HDFC Bank Regalia Credit Card across every transaction you make.
Flights, hotels, and brand purchases through HDFC SmartBuy multiply your points tenfold. This is where the spending benefits compound quickly.
Over 1,000 airport lounges accept this card. No visit caps per year. No guest-fee surprise. Walk in, settle down, catch up on work or rest — your card handles the door.
Twelve complimentary rounds of golf at select Indian courses every year. Curated dining privileges through the Good Food Trails programme with cards like the HDFC Regalia Credit Card.
Spend ₹8 lakhs in a card anniversary year, and the ₹10,000 renewal charge is waived with the HDFC Diners Club credit card.
Applying for the HDFC Diners Black Credit Card through Airtel Finance takes about five minutes. The journey is entirely digital.
You start on the Airtel Finance credit card section. Pick the HDFC Bank Diners Club Black Metal Credit Card, fill the online form. PAN, Aadhaar [Redacted], income proof, and a recent address document — that covers the required documents. Applying for an HDFC Bank Diners Club credit card is largely digital. KYC details pull in automatically wherever the system can pre-fill them. HDFC Bank then reviews your income profile, credit score, and any existing account relationship you hold with them. A credit score above 750 makes the path smooth. Once approved, the card lands at your doorstep within seven working days. The entire application process lives on your phone — no couriered forms, no branch queues.
Before you apply, it helps to compare options. A HDFC Diners Club Privilege credit card review shows a card built for frequent spenders, while the HDFC Diners Club Privilege credit card limit is usually assigned based on your income and banking relationship. The broader HDFC Diners Club credit card range includes several variants, and HDFC Diners Club privileges often cover travel, dining, and lifestyle benefits. If you prefer milestone-based benefits, the HDFC Diners Club Rewards Card is worth checking, while the HDFC Diners Club credit card range also extends to premium options such as the hdfc black diners club credit card and the hdfc diners black metal credit card.
If your monthly spends are high, the hdfc diners club black metal card can still offer strong value through its rewards and travel perks.
| Category | Charge |
|---|---|
| Joining Fee | ₹10,000 + GST |
| Annual Fee | ₹10,000 + GST |
| Add-on Card Fee | Free |
| Annual Fee Waiver | On spending ₹8 lakhs on a card anniversary year |
| Minimum Repayment Amount | 5% |
| Cash Withdrawal Fee | 2.5% |
| Cash Advance Limit | 40% |
| Card Replacement Fee | ₹100 |
| Foreign Transaction Fee | 2% |
| Over Limit Penalty | 2.5% |
| Annual Percentage Rate (APR) | 23.88% |
While the HDFC Bank Diners Club Black Metal Credit Card comes with a joining fee and annual fee of ₹10,000 + GST each, these fees can be waived by spending ₹8 lakhs in a card anniversary year.
The HDFC Diners Club Black eligibility filter is exact. This card is designed for high-net-worth individuals, and the approval considerations reflect that.
With the HDFC Diners Club Black Credit Card, no public income floor exists, but the expectation is a high documented income. Salary slips for salaried applicants; ITR filings for self-employed individuals. Consistency across months matters more than a single large credit.
An existing savings account, current account, or prior credit product with HDFC Bank weighs positively. It signals a track record the bank can review directly for HDFC Diners Club Black Credit Card.
A score of 750 or above is table stakes. The bank will also examine repayment patterns — a clean history across all active loans and cards counts heavily in your favour.
Once the HDFC Bank Diners Club Black Metal Credit Card arrives, activation is immediate. Three routes exist.
Log into HDFC Bank net banking. Under the 'Credit Cards' menu, pick the activation option. Enter your card number and expiry date. Follow the screen prompts — less than two minutes.
Open the HDFC Bank app. Head to 'Credit Cards,' tap Activate, and enter the details requested. The process mirrors net banking, just on a smaller screen.
Dial 1800 266 4332, follow the customer service representative's instructions. Alternatively, walk into any HDFC Bank branch. A staff member will guide you through card activation on the spot.
Post-activation, the HDFC Diners Club Black Credit Card is live. Spend, access lounges, and rack up points from transaction one.
The HDFC Diners Club Black Credit Card offers a range of options for redeeming your reward points:
Log in to the HDFC Bank SmartBuy portal using your credentials and navigate to the 'Rewards' section. Select the option to redeem your reward points for booking flights, hotels, or other travel services. You can also convert points into cashback or airmiles through the SmartBuy portal.
Use your reward points for HDFC Diners Club Black Credit Card to book flights or hotels across various airlines and hotel partners. You can redeem up to 70% of the booking value through reward points, with the remaining amount payable via the credit card.
Convert your reward points into cashback, which will be credited directly to your credit card account. Please note that cashback redemption is capped at 50,000 points per transaction.
Transfer your reward points for HDFC Diners Club Black Credit Card to air miles or hotel loyalty programmes through HDFC Bank's partnerships. This allows you to redeem your points for travel rewards with your preferred airlines or hotel chains.
Reward points for HDFC Diners Club Black Credit Card can also be redeemed for additional benefits on exclusive offers through the Good Food Trails programme and other partner platforms.
By leveraging these redemption options, you can make the most of your reward points and enjoy a wide array of benefits tailored to your lifestyle and preferences.
Earn up to 25% cashback on Airtel Mobile, Broadband & DTH recharges through Airtel App.
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