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HDFC Bank Diners Club Black Metal Edition Credit Card: rewards, caps and exclusions

The HDFC Bank Diners Club Black Metal Edition Credit Card pays about 10% on Smartbuy portal, capped — see the issuer's terms, and 1% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 18 July 2026.

Diners Club₹10,000 a yearPaid in points

What it earns

≈10%Smartbuy portalcapped — see the issuer's terms
≈2%Foodcapped — see the issuer's terms
≈1%Everything elseno cap stated

≈ marks a rate paid in points, converted at ₹0.3 a point: the lowest redemption value HDFC Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

  • Fuel
  • Cash withdrawals and fees
  • EMI conversions

Milestones

In HDFC Bank's own words:

  • quarterly: ₹4L / calendar quarter → 10,000 RP → 10,000 RP

Fees

  • Annual fee: ₹10,000, plus 18% GST
  • Joining fee: ₹10,000
  • Annual fee waived on ₹8,00,000 of spend in a card year
  • Foreign-currency markup: 2%

Welcome benefit: Club Marriott + Amazon Prime + Swiggy One on spending ₹1,50,000 within 90 days.

Eligibility: aged 21–65.

Where this comes from

Transcribed from HDFC Bank's own documents and checked against them on 18 July 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Other HDFC Bank cards

HDFC Bank Diners Club Privilege Credit Card

≈2% on Online food ordering (online)

HDFC Bank UPI RuPay Credit Card

≈0.75% on Groceries, Food (UPI)

HDFC Millennia Credit Card

5% on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato

HDFC MoneyBack+ Credit Card

≈2.5% on 10X partner merchants

Swiggy HDFC Bank Credit Card

10% on Swiggy app

Tata Neu Infinity HDFC Bank Credit Card

≈5% on Tata Neu app / partner Tata brand merchants (in store / online)

Every card we have rules for