Cards · HDFC Bank

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 33.33% on SmartBuy hotel bookings, capped — see the issuer's terms, and 3.33% 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

≈33.33%SmartBuy hotel bookingscapped — see the issuer's terms

≈16.67%SmartBuy flight bookingscapped — see the issuer's terms

≈6.67%Foodcapped — see the issuer's terms

≈3.33%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

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
Rent (since 1 January 2023)
Government payments (since 1 January 2023)
Wallet loads
Gaming (since 1 July 2025)

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

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

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.

Hold this card?

Zenidhi reads your HDFC Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works