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In short: both charge a ₹10,000 annual fee; both include unlimited domestic & international lounge access; both charge a 2% forex markup.
| Key facts | HDFC Diners Club Black | HDFC Diners Club Black Metal Edition |
|---|---|---|
| Annual fee | ₹10,000 | ₹10,000 |
| Joining fee | ₹10,000 | ₹10,000 |
| Annual fee waived | On ₹5 lakh annual spend | On ₹8 lakh annual spend |
| Top reward rate | 2X Reward Points per ₹150 on Dining | 5 reward points For Every ₹150 |
| Base rewards | 5 reward points For Every ₹150 | 5 reward points For Every ₹150 |
| Lounge access | Unlimited domestic & international lounge access | Unlimited domestic & international lounge access |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 27 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Diners Club Black returns about ₹2,000 more a year after annual fees (₹10,000 vs ₹8,000 in rewards).
| Spend profile | HDFC Diners Club Black | HDFC Diners Club Black Metal Edition |
|---|---|---|
| Reward value: top rate / base rate | 6.67% / 3.33% | 3.33% / 3.33% |
| ₹20,000 a month, all general spends | ₹8,000 | ₹8,000 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹10,000 | ₹8,000 |
| Annual fee | ₹10,000 | ₹10,000 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The HDFC Bank Diners Club Black Credit Card and the HDFC Bank Diners Club Black Metal Edition Credit Card both offer premium benefits including unlimited domestic and international lounge access and complimentary Amazon Prime membership. While both cards have the same joining and renewal fees of Rs.10,000, their fee waiver thresholds and rewards structures differ. These differences can influence which card suits your spending and travel preferences better.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Diners Club Black Credit Card | Hdfc Bank Diners Club Black Metal Edition Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Diners | Diners |
| Joining fee | Joining Fee of Rs.10000 | Joining Fee of Rs.10000 |
| Annual / renewal fee | Renewal Fee of Rs.10000 | Renewal Fee of Rs.10000 |
| Annual fee waiver | Spend Rs.500000 For Renewal Fee Waiver | Spend Rs.800000 For Renewal Fee Waiver |
| Top reward rate | Earn 2X Reward Points per Rs.150 on Dining | Earn 5 Rewards Points For Every Rs.150 |
| Base rate (other spends) | Earn 5 Rewards Points For Every Rs.150 | — |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Complimentary Amazon Prime Annual Membership | Complimentary Amazon Prime Annual Membership |
| Milestone benefit | Complimentary Amazon Prime Annual Membership; Complimentary Club Marriott Annual Membership | Earn 10000 Bonus Reward Points on Spend of Rs.4 Lakhs |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the HDFC Bank Diners Club Black Credit Card offers a higher top reward rate of 2X points per Rs.150 spent on dining and 10X points on Smartbuy, compared to the Metal Edition's 2X points only on weekend dining and 5 points per Rs.150 generally. The base reward rate for both cards is 5 points per Rs.150 spent. At Rs.20,000 monthly spend, the Diners Club Black card can earn about Rs.10,000 in rewards annually, whereas the Metal Edition yields around Rs.8,000. This makes the Diners Club Black card more rewarding for diverse spending, especially dining and online purchases.
Both cards provide unlimited complimentary lounge visits domestically and internationally, making them equally strong for travel convenience. The Diners Club Black card also includes multiple annual memberships such as Club Marriott, MakeMyTrip Black Gold, Swiggy One, and Times Prime, which can enhance travel and lifestyle experiences. The Metal Edition offers 6 complimentary golf games quarterly, appealing to golf enthusiasts. Overall, travel benefits are comparable but with slightly different lifestyle perks.
Both cards carry a joining and renewal fee of Rs.10,000. The Diners Club Black card offers a renewal fee waiver on spending Rs.5,00,000 annually, whereas the Metal Edition requires a higher spend of Rs.8,00,000 for waiver. The Diners Club Black card also provides a 1% fuel surcharge waiver, which is not listed for the Metal Edition. Considering these factors, the Diners Club Black card has a slightly more accessible fee waiver and some additional cost savings on fuel.
The Diners Club Black card offers extensive complimentary memberships including Amazon Prime, Club Marriott, MakeMyTrip Black Gold, Swiggy One, and Times Prime, both as welcome and milestone benefits. The Metal Edition includes Amazon Prime, Club Marriott, and Swiggy One memberships but does not list milestone memberships. This makes the Diners Club Black card more attractive for ongoing lifestyle perks.
The Diners Club Black card requires Rs.5,00,000 annual spend for renewal fee waiver, whereas the Metal Edition requires Rs.8,00,000. This difference means the Diners Club Black card is easier to maintain fee-free, especially for users with moderate to high spending.
Consider HDFC Bank Diners Club Black Credit Card if you want higher rewards on dining and online spends, plus multiple complimentary memberships that enhance travel and lifestyle benefits. It is also preferable if you seek a lower renewal fee waiver threshold and some fuel surcharge savings.
Consider HDFC Bank Diners Club Black Metal Edition Credit Card if you value a premium metal card experience with benefits like complimentary golf games every quarter. It suits those who prefer a consistent base reward rate across categories and are comfortable with a higher spend requirement for fee waiver.
Both the HDFC Bank Diners Club Black Credit Card and the Metal Edition have a joining and renewal fee of Rs.10,000.
Yes, the Diners Club Black card waives the renewal fee if you spend Rs.5,00,000 annually, while the Metal Edition requires Rs.8,00,000 annual spend for the waiver.
Yes, both cards provide unlimited complimentary lounge visits in India and internationally.
The Diners Club Black card offers 2X reward points per Rs.150 spent on dining, whereas the Metal Edition offers 2X points only on weekend dining.
The Diners Club Black card offers a 1% fuel surcharge waiver, while this benefit is not listed for the Metal Edition.
Both cards include complimentary Amazon Prime membership. The Diners Club Black card also offers Club Marriott, MakeMyTrip Black Gold, Swiggy One, and Times Prime memberships, whereas the Metal Edition includes Club Marriott and Swiggy One memberships.