HDFC Bank Diners Club Black Metal credit card
HDFC Bank× Diners ClubDiners ClubSuper-premium

Diners Club Black Metal credit card

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

36
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
PersonaliseOfficial page ↗

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

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

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 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.

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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Community Q&A on the Diners Club Black Metal

Threaded questions from cardholders · the Advisor can add a computed answer.

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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

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.