HDFC BankMetal

HDFC Diners Club Black Metal

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Quick facts

HDFC Diners Club Black Metal

Top reward10X points

Annual fee₹10,000

Min income₹1,50,000/mo

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💎Premium Metal

HDFC Bank · Metal tier

HDFC Diners Club Black Metal

Ultra premium

For ₹1.5L+ monthly income travelers.

Key Benefits

💳

Unlimited lounge

🎁

Premium concierge

⛽

5X on SmartBuy

Annual fee

₹10,000

Top rate

10X points

Min income

₹1,50,000/mo

Eff. return

-0.95%

Realistic net value (moderate user): -₹4,560/year

After ₹10,000 fee & ₹360 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹5,800

Before fees & forex

Costs / year

₹10,360

Fee ₹10,000 + forex ₹360

Net value / year

-₹4,560

-0.95% effective return on spend

Category-wise breakdown

Travel & flights

Spend ₹5,000/mo · 5 pts per ₹150 spend

₹1,000.00/year

₹83.33/mo

167 pts × ₹0.50 = ₹83.33/mo167 pts/mo @ ₹0.50/pt

All other eligible spends

Spend ₹40,000/mo · 3 pts per ₹150 spend

₹4,800/year

₹400/mo

800 pts × ₹0.50 = ₹400/mo800 pts/mo @ ₹0.50/pt

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

travel — 5 pts per ₹150 spend

You spend

₹10,000

→

You earn

333 pts

Worth ≈

₹166.67

@ ₹0.50/point

all — 3 pts per ₹150 spend

You spend

₹10,000

→

You earn

200 pts

Worth ≈

₹100

@ ₹0.50/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.50/pt in calculations. Points expire in 24 months if unused.

💎Premium Metal

High income, metal cards, max perks

Reward Structure

Source: HDFC Diners Black T&Cs

SmartBuy travel

10X points

Other spends

3X points

Lounge

Unlimited worldwide

Excluded categories (no rewards)

EMIFuelRentWallet

Lounge

Unlimited domestic + international

Best for

→ ₹1.5L+ monthly income
→ Premium travelers
→ SmartBuy 10X users

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹10,000

Annual / renewal fee

Charged every year unless waived

₹10,000

Forex markup

2% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹5,800

Annual fee− ₹10,000

Forex cost− ₹360

Net annual value-₹4,560

Eligibility Snapshot

Public criteria from HDFC Diners Black T&Cs. Bank makes final decision.

Minimum age25–60 years

Min income (salaried)₹1,50,000/mo

Min income (self-employed)₹24,00,000/year

Employment acceptedsalaried, self employed

Credit history24+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierMetal — ultra-premium metal card

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HDFC Diners Club Black Metal?+

At moderate spend (₹40,000/mo), gross rewards are about ₹5,800/year. After the ₹10,000 annual fee, net value is approximately -₹4,560/year. Use the calculator above to model your own spends.

What is the minimum income for HDFC Diners Club Black Metal?+

₹1,50,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.