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
Base Reward Rate
5X
Point Value
₹1/pt
Min CIBIL
750
Lounge Access
Domestic
Unlimited
International
6/year
Reward Rates by Category
Dining
10X
Travel
10X
Shopping
5X
Online
5X
Grocery
5X
Fuel
1X
Utilities
1X
Other
5X
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
2:1Marriott Bonvoy
1:1Air France/KLM
2:1Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.
