HDFC Bank · Diners Club
HDFC DCB Metal
A premium Diners Club metal card with 3.3% base travel value, SmartBuy accelerators, quarterly milestone points and unlimited lounges.
- SmartBuy
- Lounge
- Premium
- Earn 5 RP per Rs 150 on eligible spends, 10 RP per Rs 150 on weekend dining, and up to 10X rewards through SmartBuy.
- Get unlimited domestic and international lounge access, 10,000 bonus RP at Rs 4L calendar-quarter spends, and 1 RP = Rs 1 on SmartBuy travel.
- Fee
- Rs 10,000 + GST Waiver at Rs 8L
- SmartBuy
- 10K RP cap
- Lounges
- Unlimited
At a glance
HDFC DCB Metal highlights
- Base
- 5 RP per Rs 150, about 3.3% travel value
- SmartBuy
- Up to 10X rewards, 10K bonus RP/month
- 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
HDFC DCB Metal: fees & key facts
| Eligibility | Net 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 fee | Rs 10,000 + GST |
| Annual fee | Rs 10,000 + GST; waived on Rs 8 lakh annual spend |
| Welcome benefit | Club Marriott, Amazon Prime and Swiggy One memberships after fee payment or Rs 1.5 lakh spend in the first 90 days |
| Base rewards | 5 Reward Points per Rs 150 on eligible retail spends |
| Weekend dining | 10 Reward Points per Rs 150, capped at 1,000 RP per day |
| Insurance rewards | 5 Reward Points per Rs 150, capped at 5,000 RP per calendar month |
| Grocery rewards | 5 Reward Points per Rs 150, capped at 2,000 RP per calendar month |
| Statement cap | Total Reward Points capped at 75,000 RP per statement cycle |
| Milestone benefit | 10,000 bonus RP on Rs 4 lakh spend in a calendar quarter |
| SmartBuy | Up to 10X rewards; bonus RP cap of 10,000 per calendar month and per day |
| Lounge access | Unlimited domestic and international lounge access for primary and add-on cardholders; no separate Priority Pass required |
| Redemption value | 1 RP = Rs 1 on SmartBuy flights and hotels, with up to 70% of booking value payable via RP; cashback is 30p per RP |
| Transfer partners | Partners include KrisFlyer, Flying Blue, AirAsia, Finnair, IHG, Wyndham and Radisson at 1:1; Accor, Marriott, Air India, Qatar Avios, British Airways, Etihad and others at 2:1 |
| Forex markup | 2% + GST; Global Value Program can add 1% cashback on eligible international spends after registration |
| Exclusions | No rewards on fuel, wallet loads, rent and government payments; no fuel surcharge waiver on the Metal Edition |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
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.
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.
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