HDFC Diners Club Black Metal Edition Credit Card

HDFC Diners Club Black offers benefits similar to HDFC Bank’s other premium credit card, HDFC Infinia. While Infinia is an invite-only card that comes with a stringent eligibility criteria, individuals who want to avail similar benefits but are not eligible for it can consider applying for HDFC DC Black Credit Card, offered at a comparatively lower annual fee of Rs. 10,000.

HDFC DC Black holds significant value due to its rewards program, where individuals can earn 3.33% value-back across all categories. Additionally, consumers can convert the accumulated reward points for travel bookings and air miles at a 1:1 ratio, which is a great feature for frequent travellers. Also, HDFC Bank’s miles transfer program has over 14 partners, allowing frequent travellers to avail a significant value back on popular airlines or hotels like British Airways, Etihad Guest, or Accor. Another aspect that strengthens this card’s reward program is that users can earn rewards on mostly overlooked categories like utility bills, insurance, and groceries, making it a suitable option for day-to-day expenses as well.

Both welcome and milestone benefits on HDFC Diners Club Black Credit Card are quite good. Combined value of the complimentary memberships not just compensates for the joining fee but surpasses it by a wide margin. Milestone benefits cover different categories, allowing individuals to choose benefits as per their preferences. For high spenders, reaching monthly spend threshold of Rs. 80,000 would not be difficult. Moreover, lounge access, low forex mark-up, airport assistance and concierge service will help you save big, especially if you are a frequent international traveller.