Credit Card Compare

Diners Club Black Metal Edition Credit Card

Data last updated 25 October 2026
23.88%
Purchase rate
₹10,000
Annual fee
50 days
Interest-free

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Application

CardIQ

56Good

Good

Overall score, out of 100 · How this works

  • Airport lounge55
  • Rewards60
  • Sign-up bonus45
  • Travel65

Customer reviews

No reviews yet. Be the first to review the Diners Club Black Metal Edition Credit Card.

Pros & cons

What's good

  • The 23.88% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access.
  • Earns 10 points per ₹1 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • Plus applicable taxes (GST). Renewal fee waived if ₹8 lakh or more is spent in 12 months before renewal date. Add-on card is lifetime free. The ₹10,000 annual fee is still toward the top of the market (the median is ₹749).
  • Requires a minimum income of ₹30,00,000 a year.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Black
Card type
Diners Club
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
HDFC Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹30,00,000 p.a.
Residency
Indian
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
23.88% p.a.
Purchases
23.88% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹10,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
2%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
5% of the total outstanding balance or ₹200, whichever is greater, including taxes and fees

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 pt per ₹1
Bonus categories
10 pts per ₹1 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Rewards value₹2,70,000 a yearBest in market (1st of 61 cards)
Purchase rate23.88%Best in market (1st of 91 cards)
Interest-free days50 daysTop 10% (8th of 73 cards)
Overseas fee2.00%Top 25% (22nd of 91 cards)
Annual fee₹10,000 a yearAmong the most expensive (83rd of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HDFC Bank