HDFC Bank Diners Club Black Metal Edition Credit Card – Benefits, Fees & Eligibility

HDFC Bank Diners Club Black Metal Edition Credit Card

Introduction

HDFC Bank has launched the new and exciting Diners Club Black Metal Edition Credit Card. This premium metal card is designed to compete with top-tier offerings and is loaded with exclusive features. Cardholders can enjoy benefits across golfing, travel with unlimited lounge access, dining, and shopping. It offers a strong reward structure, including bonus reward points on significant quarterly spends, accelerated points on weekend dining, and up to 10X reward points via SmartBuy, making it an attractive option for high-spenders seeking a luxurious lifestyle and comprehensive perks. This card is definitely worth considering for those looking to upgrade from a standard Diners Club Black Credit Card or for individuals in the market for a premium card.

Welcome Benefits

• Complimentary Annual memberships of Club Marriott, Amazon Prime, and Swiggy One.
• These memberships are availed on spending ₹1.5 Lakh within the first 90 days of card issuance.
• Cardholders can easily track their milestone spends by visiting offers.smartbuy.hdfcbank.com/diners, clicking on Diners Club Benefits, then Diners Club Black Metal Milestones, and checking Welcome Benefits.

Complimentary Amazon Prime Membership

• Valid for an annual membership.
• Provides free and fast delivery.
• Allows enjoyment of ad-free entertainment and music with the Prime Video and Music app.

Complimentary Club Marriott Membership

• Valid for an annual membership.
• Offers up to 25% off on food and beverages at participating hotels in India for a maximum of 20 guests.
• Offers up to 20% off on food and beverages at participating hotels in Asia Pacific for a maximum of 20 guests.
• Offers up to 20% off on spa services at participating Marriott Hotels.
• Offers up to 15% off on orders made on Marriott Bonvoy on Wheels.

Complimentary Swiggy One Membership

• Valid for an annual membership.
• Provides 40% off on Swiggy Dineout.
• Offers free delivery on all orders above Rs. 149.
• Ensures no surge fees, even during holidays.
• Provides Rs. 150 off on bills above Rs. 1500 twice a month with Swiggy Dineout.
• Offers 10% off on delivery with Swiggy Genie.

Fees

• Joining/Renewal Membership Fee: ₹10,000 plus Applicable Taxes.
• Spend-Based Waiver: The renewal fee can be waived for the next renewal year on spending ₹8 Lakhs in 12 months.
• Rewards Redemption Fee: Not Applicable (N/A).
• Foreign Currency Markup: 2% on all foreign currency spends. These charges will be billed on your subsequent statement within 60 days from the date of visit, with the currency conversion rate applicable as on the date of settlement.
• Interest Rates: 1.99% Monthly & 23.88% Annually.
• Fuel Surcharge: Not Applicable (N/A).
• Cash Advance Charges: 2.5% of the Total Amount or ₹500 (Whichever is Higher).

Rewards

• General Reward Points Accrual:
  • Earn 5 Reward Points for every ₹150 retail spend.
  • Earn up to 10X Reward Points on spends via SmartBuy (capped at 10,000 Reward Points per month through SmartBuy).
  • Earn 2X Reward Points (equating to 10 Reward Points per ₹150 spend) on weekend dining (Saturday and Sunday) at standalone restaurants, capped at 1000 reward points per day.
• Milestone Benefits:
  • Get 10,000 Bonus Reward Points on spends of ₹4 Lakhs every calendar quarter.
  • A calendar quarter is defined as January - March; April - June; July - September; October - December.
  • Bonus Reward Points shall be credited within ten days from the start of the next quarter.
  • Milestone spends can be tracked via offers.smartbuy.hdfcbank.com/diners, clicking on Diners Club Benefits, then Diners Club Black Metal Milestones, and checking Quarterly Benefits.
• Lounge Access:
  • Unlimited Airport lounge access to over 1300+ Lounges in India and worldwide for primary and add-on card members.
  • This includes unlimited complimentary domestic lounge visits across India.
  • This includes unlimited complimentary international lounge visits across the world.
• Golf Benefits:
  • Enjoy 6 complimentary Golf games every quarter across the finest courses in the world (a total of 24 golf games in a year).
  • To book a golf game, contact the concierge via Call: 1800 118 887 | 022 42320226, or Email: dinersblack.support@smartbuyoffers.co.
• Dining Benefits:
  • Earn 2X Reward Points on weekend dining at standalone restaurants, capped at 1000 reward points per day.
  • As part of the HDFC Bank x Swiggy Dineout "Good Food Trail Program", enjoy FLAT 10% EXTRA OFF (up to ₹400, twice each month) on dining bills at 35,000+ restaurants.
• Insurance & Protection:
  • Air accident insurance cover worth ₹2 Crore ($250,000).
  • Emergency overseas hospitalization cover of ₹50 Lakhs ($62,500).
  • Travel Insurance Cover of up to ₹55,000 (up to 688) on baggage delay (capped at 10 per hour, restricted to 8 hours).
  • Credit Liability Cover of up to ₹9 Lakh.
• Diners Exclusive Offers:
  • Fast Track Airport Experience: Skip the line for check-in and receive baggage assistance.
  • Dining Delight: Access to exclusive dining offers, ranging from gourmet cuisine to local delicacies.
  • Luxury Spas: Access to some of the finest spas within India at special rates.
  • Small Medium Enterprise (SME) Offers: Tailor-made offers such as workspaces, business insurance, and wellness discounts to meet business needs.
• Reward Point Limitations:
  • The maximum Reward Points that can be earned per statement cycle is capped at 75,000.
  • Insurance transactions have a cap of 5,000 points per day.
  • Grocery spends have a cap of 2,000 points per month.
  • Reward Points shall not be awarded for the following transactions: Fuel, Easy EMI, Rent Payments, Government Transactions (MCCs: 9222, 9311, 9399, 9402), Cash Advances, Payment of Card Fees, and E-Wallet Reloads.

Rewards Redemption Guide

• Reward Points earned through the HDFC Bank Diners Club Black Metal Edition Credit Card are valid for a period of 3 years.
• Reward Point Value and Redemption Options:
  • SmartBuy (Flights/Hotels):
    • 1 Reward Point is equivalent to ₹1.00.
    • Redeem Reward Points for booking flight tickets and hotels across various airlines and a wide choice of hotels.
    • Redemptions can be made via offers.smartbuy.hdfcbank.com/diners.
    • HDFC Bank Diners Club Black Metal card members can redeem up to a maximum of 70% of the booking value through Reward Points; the remaining amount must be paid via Credit Card.
  • Airmiles Conversion:
    • 1 Reward Point is equivalent to up to 1.00 AirMile.
    • Conversion is available through Smartbuy or Netbanking.
    • Frequent Flyer registration must be completed before attempting Airmiles redemption.
  • Product Catalogue (Vouchers/Products):
    • 1 Reward Point is equivalent to up to ₹0.50.
    • Redeem for a variety of products and vouchers via Netbanking or SmartBuy.
  • Cash Back:
    • 1 Reward Point is equivalent to ₹0.30.
    • Cashback redemption of Reward Points is capped at 50,000 Points.

Card Eligibility Criteria

• For Salaried Indian Nationals:
  • Age: Minimum 21 years & Maximum 60 years.
  • Income: Net Monthly Income greater than ₹2.5 Lakhs per month.
• For Self-Employed Indian Nationals:
  • Age: Minimum 21 years & Maximum 65 years.
  • Income: Income Tax Return (ITR) greater than ₹30 Lakhs per annum.
• Applicants must be a citizen of India.

Card Review

The HDFC Bank Diners Club Black Metal Edition Credit Card is a luxurious, feature-rich premium offering from HDFC Bank, poised to be a strong contender in the high-end credit card market. It is particularly well-suited for avid travelers and individuals who frequently engage in dining and shopping, offering comprehensive benefits that enhance a premium lifestyle. The card provides unlimited international and domestic lounge access for both primary and add-on cardholders, making it ideal for those constantly on the move. Its excellent reward structure, including 5 Reward Points per ₹150 spent, up to 10X points on SmartBuy, and 2X points on weekend dining, ensures significant value back on expenditures. Furthermore, the provision of 6 complimentary golf games each quarter (24 annually) adds a significant luxury perk. A notable upgrade from its predecessor, the plastic Diners Club Black Card, is the higher monthly cap of 10,000 Reward Points on SmartBuy purchases, facilitating larger reward earnings. Overall, this card delivers on dining, milestone benefits, and travel, making it a strong choice for a lifestyle upgrade.

• Pros:
  • Unlimited international and domestic lounge access for primary and add-on cardholders.
  • 6 complimentary golf games each quarter (24 annually).
  • Generous welcome benefits including annual memberships to Club Marriott, Amazon Prime, and Swiggy One.
  • Strong reward point earning potential, especially on SmartBuy and weekend dining.
  • Comprehensive insurance covers for air accidents, overseas hospitalization, and baggage delay.
• Cons:
  • The joining fee of ₹10,000 plus taxes may be considered high for some individuals.
  • The renewal fee waiver requires a substantial spend of ₹8 Lakhs in a card anniversary year, which might not be achievable for all cardholders.
  • Diners Club cards can sometimes face acceptability issues at certain online or offline merchants in India.

Important Product Details

• This is a premium metal credit card.
• The joining and renewal fee is ₹10,000 plus applicable taxes.
• The renewal fee can be waived on annual spends of ₹8 Lakhs.
• Earn 5 Reward Points for every ₹150 spent.
• Includes complimentary annual memberships of Swiggy One, Club Marriott, and Amazon Prime on achieving a specified spend milestone (₹1.5 Lakh within 90 days).
• Offers unlimited complimentary lounge access (domestic and international) for primary and add-on cardholders.
• Provides 24 complimentary golf games in a year (6 per quarter).
• Features up to 10X Reward Points on spends made on SmartBuy.
• Offers 2X Reward Points on weekend dining.
• Provides 10,000 Bonus Reward Points on quarterly spends of ₹4 Lakhs.
• The foreign currency markup is 2% of the transaction amount.
• Comes with an air accident insurance cover of ₹2 Crore and emergency overseas hospitalization cover of ₹50 Lakh.

Other Details

• Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit period from the date of purchase (subject to the submission of the charge by the merchant).
• Revolving Credit: Available at a nominal interest rate.
• Phone Banking (Customer Service):
  • Toll-Free: 1800 266 3310
  • Landline (For customers traveling overseas): 022-6171 7606
• Concierge Services (24x7 Global Personal Concierge):
  • Toll-Free: 1800118887
  • Landline: 022 42320226
  • Email: dinersblack.support@smartbuyoffers.co
• Smart EMI: The HDFC Bank Diners Club Black Metal Credit Card offers an option to convert big spends into EMI after purchase.
• Contactless Payment:
  • The card is enabled for contactless payments on HDFC Bank POS machines, facilitating fast, convenient, and secure payments at retail outlets.
  • In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction without the need to input your Credit Card PIN.
  • If the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons.
• Nominee Details: Cardholders can update their nominee details for insurance coverage.
• General Acceptability: Diners Club cards, including this one, can sometimes face acceptability issues at certain online or offline merchants in India.