HDFC Diners Club Metal credit card

HDFC Diners Club Metal

HDFC Bank · Diners Club

HDFC Diners Club Metal Edition offers 33X rewards via SmartBuy, unlimited lounge access, and premium golf privileges.

Annual Fee

₹10,000

Joining Fee

₹10,000

Base Reward Rate

5X

₹1/pt

Min CIBIL

750

₹30L+ income

Key Features

Premium metal card with Diners Club International network
Unlimited complimentary domestic and international lounge access
10X reward points at Diners Club partner restaurants and hotels
5X reward points on travel bookings and hotel stays
2X reward points on all other spends
Exclusive fine dining privileges at Diners Club partner restaurants
Golf programme — complimentary tee times at premium Indian courses
24/7 concierge for travel, dining and lifestyle bookings

Welcome Benefits

✓

5,000 Bonus Reward Points on First Spend

Earn 5,000 reward points on first transaction within 90 days of activation

✓

Complimentary Golf Round

One complimentary round at a premium golf course in India as a welcome benefit

Reward Rates by Category

Dining

10X

Travel

10X

Online

5X

Shopping

5X

Grocery

5X

Fuel

1X

Utilities

1X

Other

5X

Partner Earn Rates

PartnerCategoryEarn Rate
Diners Club RestaurantsDining10X
Diners Club HotelsHotels10X
Airlines & TravelTravel5X

Milestone Benefits

₹5.0 L

Annual Fee Waiver

Spend ₹5 lakhs to waive the annual fee for the following year

Annual

₹10.0 L

10,000 Bonus Reward Points

Earn 10,000 bonus points on crossing ₹10 lakh annual spend

Annual

Airport Lounge Access

Domestic

Unlimited

International

6 visits/year

Insurance & Protection

Air Accident Cover

Tickets purchased on the card

₹1 Crore

Emergency Medical

Overseas hospitalisation and emergencies

USD 25,000

Purchase Protection

Theft or damage within 90 days

Up to ₹2 Lakhs

Zero Liability

Report loss within 3 days

100% fraudulent charges

Pros

  • 33X rewards on SmartBuy
  • Unlimited domestic lounge
  • 6 international lounge visits/quarter
  • Golf privileges at 100+ courses
  • Insurance cover up to Rs 2 Cr

Cons

  • Diners Club limited acceptance
  • Very high income requirement
  • High annual fee

Redemption Options

Flight tickets

Best Value₹1/pt

Hotel bookings

Good₹0.85/pt

SmartBuy 33X

Best Value₹1/pt

Transfer Partners

Singapore Airlines KrisFlyer

2:1

Marriott Bonvoy

1:1

Air France/KLM

2:1

Frequently Asked Questions

What makes the Metal card different?+
Premium metal build, higher reward rates (10X at Diners partners), comprehensive insurance and exclusive member privileges vs standard Diners cards.
Lounge access?+
Unlimited domestic and international lounge access via Diners Club and Priority Pass — no visit caps.
Dining benefit?+
10X points at Diners Club partner restaurants plus exclusive reservations, preferred pricing and member dining privileges worldwide.
Annual fee?+
Waived on ₹5 lakh annual spend. Check HDFC Bank's current terms for base fee.
Can I transfer points to miles?+
Yes — via HDFC SmartBuy for flights or conversion to airline miles on select partner programmes.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC Diners Club Metal

₹10,000/yr · 5X rewards