Unlimited complimentary domestic and international airport lounge access for primary and add-on members.
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HDFC Diners Club Black Metal Credit Card
A premium metal card on the Diners Club network with the same roughly 3.3% base and up-to-33% SmartBuy ceiling as the Infinia, but its signature draw is the bundle of free memberships like Swiggy One and Times Prime on hitting the spend target, at a Rs.10,000 fee. The Diners network is the catch: acceptance is thinner than Visa or Mastercard, especially abroad and at smaller Indian merchants, so it's a poor sole card if you travel widely. If you'll actually use those memberships, they can offset much of the fee on their own; if not, the Infinia or Regalia Gold suits you better. The 2% foreign markup is competitive. Confirm milestone terms with HDFC.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5 Reward Points for each Rs.150 of eligible spending
- ✓As much as 10X Reward Points on travel and shopping via SmartBuy
- ✓2 complimentary golf rounds per quarter at premium courses
- ✓6 complimentary memberships and renewals spanning lifestyle brands
- ✓Reward Points can be cashed in for flights, hotels and merchandise
👍 Pros
- + Unlimited lounge entry at home and overseas
- + Strong reward potential through the SmartBuy portal
- + A package of free lifestyle memberships
- + Annual fee dropped once you spend Rs.8 lakh
👎 Cons
- – Diners Club sees acceptance at fewer merchants than Visa or Mastercard
- – A high income eligibility bar
- – Pays off most only when you book via SmartBuy
Can you get it?
- ▸Indian resident with a CIBIL score of 750 or above
- ▸Salaried with high monthly income, or self-employed with strong ITR
- ▸A valid PAN and the usual KYC documents
- ▸An existing HDFC relationship aids approval
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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