Key Features & Benefits
- ✦5 Reward Points per ₹150 on all eligible spends (3.33%)
- ✦10X Reward Points on SmartBuy (up to 33.33%)
- ✦2X Reward Points on weekend dining (weekends)
- ✦Unlimited domestic and international lounge access — primary and add-on
- ✦6 complimentary golf games per quarter (24/year) globally
- ✦10,000 bonus Reward Points on ₹4L spend in any calendar quarter
- ✦Club Marriott + Amazon Prime + Swiggy One on ₹1.5L in 90 days
- ✦2% forex markup fee
- ✦10% off on Swiggy Dineout (max ₹400, twice a month)
- ✦40% off on dining with Swiggy Dineout
- ✦Annual fee waiver on ₹8L annual spend
- ✦Comprehensive travel insurance — air accident cover ₹1 crore
- ✦24×7 dedicated concierge services
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Welcome & Joining Benefits
- ✦Club Marriott + Amazon Prime + Swiggy One memberships on ₹1.5L spend in first 90 days
Milestone Benefits
- ✦₹1.5L in 90 days → Club Marriott + Amazon Prime + Swiggy One
- ✦₹4L in any calendar quarter → 10,000 bonus Reward Points
- ✦₹8L annual spend → Annual fee waiver
Pros & Cons
✓ Advantages
- ✓More accessible than Infinia (can apply directly)
- ✓Unlimited lounge for add-on cardholders too — rare
- ✓10X SmartBuy rewards match Infinia's effective rate
- ✓6 golf rounds per quarter — best golf benefit in India
- ✓Weekend dining 2X is great for restaurant lovers
- ✓Annual fee waiver at ₹8L is realistic for premium spenders
✗ Disadvantages
- ✗Diners Club acceptance limited at some merchants vs Visa
- ✗₹10,000 annual fee is high
- ✗Quarterly milestone (₹4L) requires high consistent spending
- ✗SmartBuy caps and exclusions apply
Frequently Asked Questions
How is Diners Club Black Metal different from Diners Club Black (plastic)?▼
The Metal Edition replaced the plastic Diners Club Black. Key upgrades: physical metal card, quarterly milestone bonus of 10,000 RPs on ₹4L spend (vs monthly milestones on plastic version), and updated welcome benefits. Base rewards (5 RP/₹150) remain the same.
Can I upgrade from Diners Club Black (plastic) to Metal?▼
Yes — email HDFC Bank's credit card team requesting an upgrade. Eligibility: existing HDFC card with ₹5L+ limit. The upgrade is subject to bank's discretion.
Does Diners Club work at all merchants in India?▼
Diners Club acceptance has improved significantly in India but may not work at all smaller merchants. Major e-commerce sites, restaurants, hotels, and airports accept it. For widest acceptance, Visa/MC is better.
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