HDFC Infinia & Diners Black: Turkish Airlines transfer ratio halved
Points now transfer to Turkish Airlines Miles&Smiles at 2:1 instead of 1:1.
HDFC Bank
HDFC Diners Club Black Metal
•••• 7749Diners Club
Joining fee₹10,000
Annual fee₹10,000
Fee waiver₹8,00,000 spend
Lounge accessUnlimited worldwide
UPINo
Key benefits
01
5 reward points per ₹150 (≈3.3% via SmartBuy and air miles)
02
Unlimited airport lounges worldwide
03
Complimentary memberships (e.g. Swiggy One, Amazon Prime) on spend
04
Low forex markup
Good to know
Diners Club isn't accepted everywhere. The fee waiver threshold is reported differently by sources, so check before you rely on it.
Rewards by spend category
Approximate value back on every ₹100 you spend.
Pros
- Same reward rate as Infinia
- Easier to get than Infinia
- Unlimited lounges
Cons
- Diners Club acceptance is limited, especially abroad
- ₹10,000 annual fee
- Transfer ratios cut for some partners in 2026
Is the HDFC Diners Club Black Metal worth it?
The HDFC Diners Club Black Metal is worth it if you spend a lot on online shopping (3.3%) and groceries (3.3%). The ₹10,000 annual fee is waived when you spend ₹8,00,000 a year (about ₹66,667 a month), so it's worth it if you'll hit that. It's less suitable if diners Club acceptance is limited, especially abroad.
Featured in: Best Credit Cards in India · Best Premium & Super-Premium Credit Cards in India · Best Credit Cards with Airport Lounge Access · Best Reward Points Credit Cards in India
Compare: HDFC Infinia Metal Edition vs HDFC Diners Club Black Metal
Eligibility & documents
Age
21–60 years (salaried), up to 65 (self-employed)
Income
Regular income; the bank sets the minimum
Credit score
750+ gives the best approval chances
Documents
PAN, Aadhaar, and recent salary slips or ITR
How to apply
- Tap "Apply now"You'll be taken to the official HDFC Bank application page.
- Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
- Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
- Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.
FAQs about HDFC Diners Club Black Metal
What is the annual fee of the HDFC Diners Club Black Metal?
The joining fee is ₹10,000 and the annual fee is ₹10,000 (plus GST). The annual fee is waived if you spend ₹8,00,000 or more in a year.
Can I use the HDFC Diners Club Black Metal on UPI?
No. The HDFC Diners Club Black Metal runs on Diners Club, and only RuPay credit cards can be linked to UPI.
Does the HDFC Diners Club Black Metal give airport lounge access?
Yes: Unlimited worldwide. Lounge rules can change, so check current terms with the issuer.
Who should get the HDFC Diners Club Black Metal?
It's best for premium rewards (no invite). Infinia-level 3.3% rewards with a lower fee and no invitation needed.
Alternatives
Similar cards
HDFC Bank
HDFC Regalia Gold Credit Card
•••• 7749Visa / Mastercard
HDFC Regalia Gold Credit Card
HDFC Bank
Lounges + 5X partners
- 5 reward points per ₹200 spent (since May 2026)
- 5X points at Nykaa, Myntra, Marks & Spencer, Reliance Digital
- 12 domestic lounge visits (spend-based) + 6 international
Joining fee₹2,500
Annual fee₹2,500
HDFC Bank
HDFC Infinia Metal Edition
•••• 5764Visa / Mastercard
HDFC Infinia Metal Edition
HDFC Bank
3.3% value-back
- 5 reward points per ₹150 (≈3.3% when redeemed 1:1)
- Unlimited airport lounges for you and add-ons
- Club Marriott & ITC hotel benefits
Joining fee₹12,500
Annual fee₹12,500
American Express
Amex Platinum Travel Credit Card
•••• 8940Amex
Amex Platinum Travel Credit Card
American Express
Taj voucher at ₹7L
- 10,000 bonus MR points on ₹4 lakh yearly spend
- ₹20,000 Taj Experiences voucher on ₹7 lakh yearly spend
- Up to 8 domestic lounge visits a year
Joining fee₹3,500
Annual fee₹5,000
HDFC Diners Club Black Metal₹10,000/yr · 3.3% value-back
Apply now