HDFC Bank× Diners ClubDiners ClubSuper-premium

Diners Club Black Metal credit card

Infinia-like earning with bundled memberships, on the Diners network.

Personal score36/100● Weak fit

Recurring net savings−₹3,680/yrafter fee, GST and caps · bills paid in full

First-year value₹320incl. ₹4,000 welcome, ₹11,800 joining fee

Effective savings rate-1.1%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)You pay ₹11,800waiver at ₹8,00,000 spend

Lounge access✈∞ dom🌏∞ intlyou can use 2 of your visits

Personalise Official page ↗

Source: HDFC Bank – Diners Club Black Metal · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹5,325/yrBase rate 2.67% on other spends

−₹11,800Fee you pay

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! You pay the ₹11,800 annual fee (incl. GST) – waiver needs ₹8,00,000 spend.

Where the money comes from

−₹3,680/yr · -1.1%

Base rate 2.67% on other spendson ₹1,99,440₹5,325

Grocery (capped 2,000 RP/mo)on ₹43,200₹1,153

Utilities (capped 2,000 RP/mo)on ₹30,000₹801

Insurance (capped 5,000 RP/mo)on ₹18,000₹481

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

Renewal fee incl. GSTyou pay it−₹11,800

◻︎ 2× ₹500 vouchers on ₹1.5L monthly… · needs ₹1,50,000/month

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How −₹3,680/yr is calculated: Diners Club Black Metal
+ Reward value on your spendat ₹0.8/Reward Points realistic value: ₹7,760
+ Fuel surcharge waiver1% up to ₹1,000/month: ₹360
− Annual fee incl. 18% GSTcharged every year: −₹11,800
= Recurring net savings: −₹3,680/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: -1.1%

How the score of 36 is built

weights total 100% · methodology

Net savings rate0/100 × 55%0.0

Usable lounge access100/100 × 15%15.0

Redemption flexibility80/100 × 10%8.0

Lifestyle fit100/100 × 10%10.0

Simplicity40/100 × 5%2.0

Fee safety24/100 × 5%1.2

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

Unlimiteddomestic

Unlimitedinternational

How you get in: Diners Club lounge network · issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via Diners Club lounge network verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via Diners Club lounge network verified
🌏T3 Encalm Privé (T3 International) Encalm · via Diners Club lounge network verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Diners Club lounge network verified
✈T1 Encalm Lounge (T1) Encalm · via Diners Club lounge network verified
✈T2 Encalm Lounge (T2) Encalm · via Diners Club lounge network verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via Diners Club lounge network verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via Diners Club lounge network verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Diners Club lounge network verified
🌏Main Encalm Privé (International) Encalm · via Diners Club lounge network check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via Diners Club lounge network verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via Diners Club lounge network check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Diners Club lounge network verified
✈T1 Adani Lounge (T1) Adani Airports · via Diners Club lounge network verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via Diners Club lounge network verified
🌏T2 080 International Lounge BIAL · via Diners Club lounge network verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via Diners Club lounge network verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via Diners Club lounge network verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via Diners Club lounge network check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Diners Club lounge network verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via Diners Club lounge network verified
🌏T2 Adani Lounge (International) Adani Airports · via Diners Club lounge network verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via Diners Club lounge network check at desk
🌏Main Bird Lounge (International) Bird Group · via Diners Club lounge network check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via Diners Club lounge network check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Diners Club lounge network check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via Diners Club lounge network verified
🌏T3 Earth Lounge (International) CIAL · via Diners Club lounge network verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via Diners Club lounge network verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Diners Club lounge network verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via Diners Club lounge network verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Diners Club lounge network check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via Diners Club lounge network verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Diners Club lounge network check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Jul 2025New feeHDFC Bank
HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps
From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.
Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn2.67%value on eligible spend

⚡ Accelerated2.67% Insurance 2.67% Grocery 2.67% Utilities

🚫 No rewards onfuelrent

🏷️ Fees₹11,800/yr incl. GSTwaived on ₹8,00,000 spend · joining ₹10,000

🎁 Welcome (year 1)≈ ₹4,000Club Marriott, Amazon Prime, Swiggy One, Times Prime memberships

🏁 Milestones₹500 @ ₹1,50,000/month

✈️ Lounge✈∞ dom🌏∞ intlDiners Club lounge network (primary & add-on)

🌏 Forex markup2%+ GST on the markup

🔁 Redemption₹0.8/Reward Points ★★★★☆1 RP = ₹1 on SmartBuy flights/hotels (capped); ₹0.5 vouchers; ₹0.3 statement. Realistic blend ₹0.80.

🧩 Simplicity★★☆☆☆needs active management

🎯 Lifestylegolfottconciergehotel statusfuel waiverinsurance coverUnlimited golf games & lessons

🪪 EligibilityIncome ₹21L+/yr or ₹1.75L+/month salary

At a glance

3.3 RP per ₹100 on most spend
Unlimited lounges worldwide
Bundled OTT and hotel memberships

Diners acceptance is weaker than Visa/Mastercard abroad
Monthly milestone needs ₹1.5L spend
Memberships only renew if fee is paid

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Frequently asked questions

What is the annual fee of the HDFC Bank Diners Club Black Metal?

Joining fee ₹10,000 and renewal fee ₹10,000, plus 18% GST (₹11,800 a year). The renewal fee is waived if you spend ₹8,00,000 in the card year.

Does the Diners Club Black Metal give airport lounge access?

unlimited domestic + unlimited international/yr. Diners Club lounge network (primary & add-on).

How much can I save with the Diners Club Black Metal?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹3,680 a year, an effective savings rate of -1.1% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Diners Club Black Metal's reward exclusions and caps?

No rewards on fuel, rent. Insurance (capped 5,000 RP/mo): capped at ₹4,000 a month; Grocery (capped 2,000 RP/mo): capped at ₹1,600 a month; Utilities (capped 2,000 RP/mo): capped at ₹1,600 a month

Sources

HDFC Bank – Diners Club Black Metal

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Diners Club Black Metal lounge access by airport · all HDFC Bank cards · change log.