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HDFC DCB Metal

Premium Diners Club card for SmartBuy and lounge-heavy travellers.

HDFC Diners Club Black Metal Credit Card

Base

5 RP per Rs 150, about 3.3% travel value

SmartBuy

SmartBuy accelerators; bonus cap 10K/month and 10K/day

Milestone

10,000 RP at Rs 4L calendar-quarter spends

Lounge

Unlimited domestic + international access

Fee

Rs 10,000 + GST, waived at Rs 8L spends

Premium base rewards

Earn 5 RP per Rs 150 on eligible retail spends, worth around 3.3% when redeemed for SmartBuy flights or hotels.

SmartBuy accelerators

SmartBuy offers accelerated rewards on eligible flights, hotels, vouchers and partner purchases. Confirm the current multiplier, eligibility and bonus cap in the card-specific checkout. Bonus cap: 10,000 RP per calendar month and per day

Quarterly milestone

Get 10,000 bonus RP on Rs 4 lakh spends in a calendar quarter, adding meaningful upside for high spenders.

Unlimited lounges

Unlimited domestic and international lounge access for primary and add-on cardholders through Diners Club.

Transfer partners

Eligible airline and hotel transfers are available through SmartBuy. Accor confirms 2 HDFC RP = 1 ALL Reward point. Confirm other partner ratios, minimums and availability in the card-specific transfer screen before moving points.

HDFC DCB Metal: fees & key facts

HDFC DCB Metal credit card fees and key facts
EligibilityNet monthly salary above Rs 2.5 lakh or annual self-employed income above Rs 30 lakh; an existing HDFC card limit of Rs 5 lakh or more can help with upgrades
Joining feeRs 10,000 + GST
Annual feeRs 10,000 + GST; waived on Rs 8 lakh annual spend
Welcome benefitClub Marriott, Amazon Prime and Swiggy One memberships require ₹1.5 lakh eligible spend within the first 90 days; fee payment alone is insufficient
Base rewards5 Reward Points per Rs 150 on eligible retail spends
Weekend dining10 Reward Points per Rs 150, capped at 1,000 RP per day
Insurance rewards5 Reward Points per Rs 150, capped at 5,000 RP per calendar month
Grocery rewards5 Reward Points per Rs 150, capped at 2,000 RP per calendar month
Statement capTotal Reward Points capped at 75,000 RP per statement cycle
Milestone benefit10,000 bonus RP on Rs 4 lakh spend in a calendar quarter
SmartBuySmartBuy offers accelerated rewards on eligible flights, hotels, vouchers and partner purchases. Confirm the current multiplier, eligibility and bonus cap in the card-specific checkout. Bonus cap: 10,000 RP per calendar month and per day
Lounge accessUnlimited domestic and international lounge access for primary and add-on cardholders; no separate Priority Pass required
Redemption value1 RP = Rs 1 on SmartBuy flights and hotels, with up to 70% of booking value payable via RP; cashback is 30p per RP
Transfer partnersEligible airline and hotel transfers are available through SmartBuy. Accor confirms 2 HDFC RP = 1 ALL Reward point. Confirm other partner ratios, minimums and availability in the card-specific transfer screen before moving points.
Forex markup2% + GST; Global Value Program can add 1% cashback on eligible international spends after registration
ExclusionsNo rewards on fuel, wallet loads, rent and government payments; no fuel surcharge waiver on the Metal Edition

Public issuer terms checked 3 October 2026.

SmartBuy’s transfer screen requires cardholder verification. Accor 2:1 is confirmed by Accor’s official HDFC terms; other current card-specific ratios require the live account screen.

HDFC Diners Club Black MetalHDFC MITC, version 4.12, updated 30 September 2026Accor official HDFC transfer terms

Who should get it

HDFC Diners Club Black Metal is one of the strongest premium HDFC cards below Infinia, especially for users who can use SmartBuy, travel redemptions and unlimited lounge access.

The base reward rate is excellent: 5 RP per Rs 150, worth about 3.33% when redeemed at Rs 1 per point for SmartBuy flights and hotels. SmartBuy and quarterly milestones can push value significantly higher for planned spenders.

The trade-off is Diners Club acceptance. Online acceptance is strong and metro/offline acceptance is decent, but it still trails Visa and Mastercard in some places, so frequent international travellers should keep a backup card.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Fuel, wallet loads, rent and government payments
  • EasyEMI purchases and transactions converted to SmartEMI
  • Education paid through third-party apps
  • Online skill-based gaming
  • Cash advances, balance repayments, fees and Dial-an-EMI

Insurance remains eligible, capped at 5,000 points per month. Grocery, utilities and telecom have separate reward caps. The bank’s payment-route rules still apply to education.

Checked 3 October 2026HDFC Bank September 2026 termsDiners Club Black Metal terms

HDFC DCB Metal FAQs

Is HDFC DCB Metal worth it?

Yes, for high spenders who can use SmartBuy, travel redemptions and lounge access. It gives a strong base reward rate, quarterly milestone points and unlimited domestic plus international lounges.

What is the annual fee and waiver condition?

The joining and annual fee is Rs 10,000 plus GST. The annual fee is waived at Rs 8 lakh annual spend.

What reward rate does HDFC DCB Metal offer?

The card earns 5 Reward Points per Rs 150 on eligible spends. If redeemed on SmartBuy flights or hotels at Rs 1 per point, this is about 3.33% value before SmartBuy or milestone upside.

Does DCB Metal have unlimited lounge access?

Yes. Primary and add-on cardholders receive unlimited domestic and international lounge access through the Diners Club lounge programme, with no separate Priority Pass required.

What is the SmartBuy cap on DCB Metal?

SmartBuy can earn up to 10X rewards. The bonus reward cap is 10,000 RP per calendar month and per day, separate from normal base rewards.

Does DCB Metal work internationally?

It can work internationally in many countries, but Diners Club acceptance is still weaker than Visa or Mastercard in some locations. Carrying a backup Visa or Mastercard is sensible for travel.

What are the HDFC Diners Club Black Metal welcome requirements?

Club Marriott, Amazon Prime and Swiggy One memberships require ₹1.5 lakh eligible spend within the first 90 days; fee payment alone is insufficient

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