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    HDFC Diners Club Black Metal Credit Card

    The HDFC Bank Diners Club Black Metal Credit Card is a premium offering designed for high-net-worth individuals who appreciate luxury, travel frequently, and enjoy exclusive benefits. Crafted from sleek black metal, this card exudes sophistication and elegance. It caters to those who value fine dining, shopping, and other premium experiences.

    To obtain this card, you'll need to pay a joining and annual fee of ₹10,000 plus applicable taxes. However, if you spend ₹8 lakhs or more in a year, the annual fee is waived. The card offers an attractive reward rate of 3.33% across all spends, with the potential to earn up to 10X reward points when making purchases through HDFC's SmartBuy portal.

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    Purchase Amount ₹10,000
    ₹10,000
    ₹1K₹5L
    Interest Rate 13%
    13%
    5%36%
    Tenure 12 Months
    12 Months
    3M36M
    Unlock Your Credit Card Now

    Key Features and Benefits of Credit Cards

    Credit cards offer several valuable features and perks. Some of the key credit card benefits include:

    • 25% cashback* on Airtel Mobile, Broadband, Wi‑Fi, and DTH bill payments made through the Airtel Thanks App
    • 10% cashback* on utility bill payments (electricity, gas, water) made via the Airtel Thanks App only
    • 10% Value Back* on online transactions at Zomato, Blinkit, and District Movies, with a minimum order value of ₹499
    • 1% cashback* on all other eligible spends

    *T&C apply .

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


    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.

    Eligibility of the HDFC Bank Diners Club Black Metal Credit Card

    To be eligible for the HDFC Bank Diners Club Black Metal Credit Card, applicants should meet the following criteria:

    • Income Criteria: While specific income thresholds are not publicly disclosed, this card is generally aimed at high-net-worth individuals.
    • Relationship with the Bank: Eligibility can also depend on the applicant's existing relationship with HDFC Bank, including account holdings and credit history.
    • Credit Score: A good credit score is typically required to qualify for this premium credit card.

    Card Activation Process

    To activate your HDFC Bank Diners Club Black Metal Credit Card, you have several convenient options at your disposal:

    • Online Activation:
      • Log in to your HDFC Bank net banking account and navigate to the 'Credit Cards' section.
      • Select the option to activate your new credit card and enter the required details, such as the card number and expiry date.
      • Follow the on-screen instructions to complete the activation process.
    • Offline Activation:
      • Call the HDFC Bank customer care number at 1800 266 4332 to activate your card.
      • Follow the guidance provided by the customer service representative to complete the activation.
      • Alternatively, visit your nearest HDFC Bank branch and request assistance from the bank staff to activate your card.
    • Through HDFC Bank App:
      • Download and log in to the HDFC Bank mobile banking app.
      • Go to the 'Credit Cards' section and select the option to activate your new credit card.
      • Enter the necessary details to finalise the activation process.

    Once your card is activated, you can start enjoying its benefits and earning valuable reward points on your purchases.

    How to Redeem the Points


    The HDFC Bank Diners Club Black Metal Credit Card offers a range of options for redeeming your reward points:

    • Redemption Through SmartBuy:
      • 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.
    • Travel Redemptions:
      • Use your reward points 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.
    • Cashback Redemption:
      • 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.
    • Airmiles and Hotel Loyalty Programmes:
      • Transfer your reward points 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.
    • Other Redemptions:
      • Reward points can also be redeemed for additional benefitson 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.

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