RewardMatrix

The HDFC Diners Club Black Metal Edition Credit Card is a premium offering designed for frequent travelers and those seeking luxury benefits. It provides a strong rewards program, earning 5 Reward Points for every Rs. 150 spent and up to 10X points on SmartBuy purchases. Unlimited domestic and international lounge access is a key feature, along with complimentary golf games and memberships to services like Club Marriott, Amazon Prime, and Swiggy One. This metal edition improves upon the standard Diners Club Black card with a higher SmartBuy bonus reward point cap and a quarterly milestone benefit. It positions itself as a strong alternative to the Infinia card, particularly for those who may not qualify for the invite-only program. While the annual fee is substantial, the extensive benefits, particularly for travel and lifestyle, can provide significant value for the right user. The card's acceptance can be a challenge in some offline locations, but the Discover/Rupay tie-up has broadened its usability.

Intro Offers

Complimentary annual memberships of Club Marriott, Amazon Prime & Swiggy One

Condition: Achieve net retail spends of Rs 1,50,000 within 90 days of card issuance or fee realization.

Fees

Annual Fee

₹10K

Waived off after spending ₹8L

Joining Fee

₹10K

Forex Fee

0.02%

Eligibility

#1
Citizenship
Must be a citizen of India.
#2
Income (Salaried)
Monthly income greater than Rs. 1.75 lakh.
#3
Income (Self-Employed)
Annual income greater than Rs. 21 lakh.
#4
Age (Salaried)
Between 21 and 60 years.
#5
Age (Self-Employed)
Between 21 and 65 years.

Reward Points

33%

Total SmartBuy spend in a month

50.00 Reward Points for every ₹150 spent

Total weekend dining spend in a month

10.00 Reward Points for every ₹150 spent

Total retail spend in a month

5.00 Reward Points for every ₹150 spent

Total insurance spend in a month

5.00 Reward Points for every ₹150 spent

Total utility spend in a month

5.00 Reward Points for every ₹150 spent

Examples:

Spending Rs. 15,000 on retail purchases earns 500 Reward Points.
A weekend dining bill of Rs. 3,000 earns 200 Reward Points.
An insurance payment of Rs. 7,500 earns 250 Reward Points (capped at 5,000 points per day).
SmartBuy purchases of Rs. 45,000 on flights and hotels earn 15,000 Reward Points (capped at 75,000 per month).
Utility bill payments of Rs. 3,000 earn 100 Reward Points (capped at 2,000 per month).

Exclusions:

Fuel

Rent Payments

Government related transactions

EasyEMI

Wallet Loads

Education transactions on select merchants

Milestones

Milestone #1

10,000 Bonus Reward Points.

Spend ₹4,00,000 or more in a calendar quarter.

Redemptions

AIRLINE PARTNERS

List of conversion options of airline partners.
Airline Partner	Conversion Rate	Multiplier
SpiceJet	1 Reward Point = 1 SpiceClub Point	x1
AirAsia	1 Reward Point = 1 AirAsia Point	x1
Finnair	1 Reward Point = 1 Finnair Plus Point	x1
Air France-KLM	1 Reward Point = 1 Flying Blue Point	x1
Hainan Airlines	1 Reward Point = 1 Hainan Airlines Fortune Wings Club Point	x1
Vietnam Airlines	1 Reward Point = 1 Vietnam Airlines LotusMiles Point	x1
Air Canada	1 Reward Point = 0.5 Aeroplan Point	x0.5
British Airways	1 Reward Point = 0.5 British Airways Avios Point	x0.5
Etihad Airways	1 Reward Point = 0.5 Etihad Guest Mile	x0.5
Turkish Airlines	1 Reward Point = 0.5 Turkish Airlines Miles&Smiles Mile	x0.5
United Airlines	1 Reward Point = 0.5 United MileagePlus Mile	x0.5
Vistara	1 Reward Point = 1 Vistara Point	x1
InterMiles	1 Reward Point = 1 InterMiles Point	x1

HOTEL PARTNERS

List of conversion options of hotel partners.
Hotel Partner	Conversion Rate	Multiplier
Accor	1 Reward Point = 0.5 ALL - Accor Live Limitless Point	x0.5
IHG Hotels & Resorts	1 Reward Point = 1 IHG One Rewards Point	x1
Wyndham Hotels & Resorts	1 Reward Point = 1 Wyndham Rewards Point	x1
ITC Hotels	1 Reward Point = 0.5 Club ITC Green Points	x0.5

GIFT VOUCHERS

List of conversion options of gift voucher merchants.
Partner Brand	Conversion Rate	Multiplier
Various Brands	1000 Reward Points = Rs. 500	x0.5

STATEMENT BALANCE

1 Reward Point = Rs. 0.30

Rewards Calculator

ON MONTHLY SPEND

Reset

90KYour monthly expenditure

Total retail spend in a month (₹)

3.33% rewards

Total weekend dining spend in a month (₹)

6.67% rewards

Total insurance spend in a month (₹)

3.33% rewards

Total SmartBuy spend in a month (₹)

33.33% rewards

Total utility spend in a month (₹)

3.33% rewards

REWARD POINTS EARNED

0 Reward Points earned per year

POINT REDEMPTION OPTIONS

0 Airline miles

0 Hotel points

0 Worth of gift vouchers

0 Worth of statement balance

Lounge Access

Domestic

Unlimited complimentary access to domestic airport lounges.

International

Unlimited complimentary access to international airport lounges.

Discounts

Dining

2X Reward Points on weekend dining at standalone restaurants.

Fuel

1% fuel surcharge waiver

Conditions:

Minimum transaction of Rs. 400
Maximum waiver of Rs. 1,000 per statement cycle

Movie

No Movie discounts on this card

Insurance Coverage

INR

2Cr

Air Accident Death Cover

INR

50L

Emergency Overseas Hospitalization

INR

Credit Liability Cover

Other Features

Concierge Services

Golf course referral
Reservation assistance
Dining referral
Car rental

EMI Conversion

Available with processing fee, and No Cost EMI with select merchants (hidden charges may apply)

Pros & Cons

PROS

Unlimited Lounge Access
Unlimited complimentary domestic and international lounge access for primary and add-on cardholders.
Golf Benefits
6 complimentary golf games per quarter.
High Reward Rate
5 Reward Points per Rs. 150 spent and up to 10X points on SmartBuy purchases.
Welcome Benefits
Complimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One.

CONS

High Annual Fee
Rs. 10,000 + GST can be a significant cost.
Limited Acceptance
Diners Club acceptance can be a challenge in some offline locations.
High Spending Requirement for Waiver
Rs. 8 lakh annual spend required for fee waiver.

Who should get this card

This card is best suited for high-spending individuals who are frequent travelers and can utilize the lounge access and travel benefits. Those who can maximize the SmartBuy platform for earning and redeeming rewards will also find this card valuable. Golf enthusiasts will appreciate the complimentary games.