Verified — 16/16 categories
HDFC · Diners Club
Diners Black Metal
Best forDining & Shopping
Earns6.67% effective (10 RP/₹150) on dining
1st Year / Joining Fee
₹10,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Network
Diners Club
HDFC
Diners Black Metal
Diners ClubWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on dining and shopping, where it earns 6.67% effective (10 RP/₹150)
- Annual fee is waived at ₹8,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Dining6.67% effective (10 RP/₹150)
Shopping3.33% effective (5 RP/₹150)
Insurance5 RP/₹150
Travel5 RP/₹150 base rate
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Direct school/college website/POS earns standard 5 RP/₹150Details
|
| Insurance | 5 RP/₹150 | 5,000 RP per month | Insurance transactions reward-eligible per HDFC MITCDetails
|
| Utilities | — | — | Utility rewards subject to 2,000 RP/month common capDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Grocery rewards subject to premium 2,000 RP/month cap tierDetails
|
| Dining | 6.67% effective (10 RP/₹150) | — | 2X weekend dining (10 RP/₹150)Details
|
| Food Delivery | — | — | HDFC verified rule for Food DeliveryDetails
|
| Shopping | 3.33% effective (5 RP/₹150) | — | HDFC verified rule for ShoppingDetails
|
| Travel | 5 RP/₹150 base rate | — | 5 RP/₹150 base rateDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Railways transactions earn standard base rewardDetails
|
| FASTag | — | — | HDFC verified rule for FASTagDetails
|
| Jewellery | — | — | HDFC verified rule for JewelleryDetails
|
| Telecom | — | — | HDFC verified rule for TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹10,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Reward caps
- Insurance — 5,000 RP / month (per category — Insurance)
Spending thresholds
- Spend ₹8,00,000 per card year → annual fee waived
- Spend ₹4,00,000 per calendar quarter → 10,000 bonus RP on spending ₹4 lakh or more in a calendar quarter
Key benefits
Rewards
6.67% effective (10 RP/₹150) on dining
Milestone benefit
10,000 bonus RP on spending ₹4 lakh or more in a calendar quarter
Fee waiver
Annual fee waived on ₹8,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Insurance rewards are capped at 5,000 RP / month (per category — Insurance)
- No reward on: Rent, Fuel, Government, Wallet
- Spend ₹8,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in dining, shopping, insurance
- You can reach the ₹8,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 4 no-reward categories
Caps
- Insurance — 5,000 RP / month (per category — Insurance)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · 2 recorded
- Spend ₹8,00,000 per card year → benefit worth ₹10,000 — Annual fee waiver threshold.
- Spend ₹4,00,000 per calendar quarter → benefit worth ₹10,000 — 10,000 bonus RP on spending ₹4 lakh or more in a calendar quarter.
Eligibility
Invitation/eligibility criteria apply
Specifications
- Payment network: Diners Club
- Airport lounge: Unlimited domestic and international lounge access
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Official product page: https://www.hdfcbank.com/
Documents used
HDFC Diners Club Black official card page (SRC-37, base reward rate) + HDFC MITC 1.64 (SRC-38, insurance eligibility, cap, effective date) · HDFC Diners Club Black official card page (SRC-37, base reward rate) + HDFC MITC 1.64 (SRC-38, insurance eligibility, cap, effective date)
HDFC MITC 1.64 (SRC-38) · HDFC MITC 1.64 (SRC-38)
HDFC current fee page · HDFC current fee page