HDFC Dinner Club Black Metal Edition Credit Card
HDFC Dinner Club Black Metal Edition Credit Card is one of the most desirable and premium credit card in the market. This card comes at second position after Infinia. While the card offer multiple discount and rewards on shopping, dining but its primary focus is travel centric which provide unlimited domestic and international lounge access for primary and add-on card holder. The point to mile conversion for flight and hotel booking at 1:1 ratio, low forex mark-up fee make this card great choice for frequent traveller. Apart from travel it also offer quarterly milestone benefit, 10,000 reward point on spend of ₹4 Lakh. Since HDFC Infinia is offered by invite only you can upgrade to this credit card which compete Infinia. Let’s see in detail about this credit card whether it justify its joining/annual fee.
JOINING FEE
Rs.10000+GST
RENEWAL FEE
Rs.10000+GST
BENEFITS
Unlimited Domestic & International Lounge Access for primary and Add on card holder.
REWARDS &CASHBACK
Complimentary Membership of club marriott, Swiggy one & Amazon Prime.
Key Features & Benefits
Welcome Benefits
- As a welcome benefit You will get complimentary annual membership of Club Marriott, Amazon Prime, Swiggy One on spending ₹1.5lakh in first 90 days of card issuance.
Dinner Club Reward Program
- Earn 5 Reward point on every ₹150 spend.
- Earn 10X Reward point on spend made on SmartBuy platform maximum 10000 Reward point per month.
- Get 10 Reward point on every ₹150 spent on restaurant on saturday sunday.
- The maximum Reward point that can be earned in a statement cycle is capped at 75000.
- Get 5 Reward point on every ₹150 spent on Insurance which is capped 5000 Reward point per day.
- No Reward Points on wallet, Property management, rent, Govt. Institutions, fuel, Easy EMI, Cash Advances.
Airport Lounge Access
- HDFC Dinner Club Black Metal Credit Card provide complimentary unlimited lounge access at domestic and International airport for primary as well as add-on card holder.
Golf Privileges
- Get 6 complimentary golf games every quarter at over 15 golf courses in India and over 100 golf courses world on Diners Black Credit Card
- In order to avail this benefits you need to book your slot through HDFC Concierge service.
Annual & Milestone Benefits
- Annual fee that is ₹10,000 will be waived off on spending ₹8 lakh in previous year.
- Get 10,000 bonus reward point on every quarter on spending of ₹4 lakh Calendar quarter is defined as Jan – Mar; Apr – Jun; Jul – Sep; Oct – Dec.
Membership Benefits
- Club Marriott Membership : As a welcome benefits HDFC bank gives Complimentary Club Marriott Membership for one year. In membership you will get 20% off on food and beverages at a restaurant for upto maximum 10 guest. 20% off on best available room at participating marriott hotels in India and on weekend rates in Asia pacific. 20% off on spa services at select participating marriott hotels.
- Amazon Prime Membership : Get free and fast delivery with prime membership and alog with this ad free entertainment and music with prime video and music app.
- Swiggy One Membership : Get upto 40% flat off on Dineout program, Free delivery on order above ₹149 upto 10km area, No surge fee, even during peak hours and holiday.
Dining Benefits
- Get 10% off upto ₹400, per transaction on minimum order value of ₹3000 twice a month on Swiggy Dineout program. You have to use coupon code HDFCDINERS at payment page.
Reward Point Redemption
| Redemption | Value of 1 Reward Point |
|---|---|
|
SmartBuy (Flight/Hotel) |
Rs.1 |
|
Airmiles |
Upto 1 Airmiles |
|
Product Catalogue (vouchers/products) |
Upto ₹. 0.50 (50 paise) |
|
Cashback |
Rs.0.3 (30 paise) |
- Flight/Hotel Booking on SmartBuy : The best redemption of your reward point you will get on SmartBuy platform. If you book flight/hotel on SmartBuy platform you will get value of 1 RP = ₹1. The amount you had paid through credit card you will get 5X RP on that. You can redeem maximum 75000 RP per calendar month for flight/hotel booking.
- Cash & Product Voucher : You can also redeem your reward point for cash at value of 1RP = ₹0.3 and for different product voucher at rate of 1RP = ₹0.5. Maximum you can redeem 50,000 RP per month.
- Air Miles Transfer Program : Here You can convert your Reward point into Airmiles which is good for traveller.
| Partners | Reward Points to Miles |
|---|---|
|
Air Canada Aeroplan |
1 Reward Point = 0.5 Miles
|
|
Avianca LifeMiles |
1 Reward Point = 0.5 Miles |
|
Turkish Airlines Miles & Smiles |
1 Reward Point = 0.5 Miles |
|
British Airways Avios |
1 Reward Point = 0.5 Avios |
|
Etihad Guest |
1 Reward Point = 0.5 Etihad Points |
|
Accor ALL |
1 Reward Point = 0.5 ALL Point |
|
United MileagePlus Miles |
1 Reward Point = 0.5 Mile |
|
Wyndham Rewards |
1 Reward Point = 1 Wyndham Point |
|
IHG One |
1 Reward Point = 1 IHG Point |
|
Hainan Airlines Fortune Wings Club |
1 Reward Point = 1 Fortune Wings Club Point |
|
AirAsia Rewards |
1 Reward Point = 1 AirAsia Point |
|
Finnair Plus |
1 Reward Point = 1 Finnair Plus Point |
|
SpiceClub |
1 Reward Point = 1 SpiceClub Point |
|
Maharaja Club Air India |
1 Reward Point = 0.5 Maharaja Points |
Fees & Charges
Foreign Currency Markup
- The card come with marginal foreign currency markup fee that is 2% of total transaction amount which is lower compared to other credit card in the market.
Finance Charges & Cash withdrawal Fee
- Interest rate is 1.99% per month that is approx 24% per annum. This is also very low compared to other credit card which is 3.5%.
- Cash withdrawal fee is 2.5% of total amount or Rs.500 whichever is higher.
Eligibility Criteria
| Criteria | Salaried Individuals | Self Employed Individuals |
|---|---|---|
|
Age |
21-60 Years |
21-65 Years |
|
Income |
₹2.5 Lakh Per month |
ITR should be greater than 30 lakh |
- Final Thoughts
HDFC Dinner Club Black Metal Edition Credit Card is a super premium luxurious credit card and it is counted in very few credit card that provide 3.3% as standard reward rate on all the transaction you made. If you are frequent traveller you can get unlimited lounge access not only for primary card holder but also for add-on. This credit card also have very low forex mark-up fee which is 2% so you don’t have to worry for international spends. You also get multiple complimentary membership which make this card healthy competitor with several other premium credit cards like ICICI Emeralde Private, Axis Magnus, American Express Platinum Reserve and others.
- Frequently Asked Questions
What is the validity of Reward Point in HDFC Dinner Club Black Metal Edition Credit Card?
The validity of Reward point is 3 years from the date of credit.
Do I get both complimentary Domestic & International lounge access?
Yes, You will get unlimited lounges access for primary and add-on cardholder.
Does HDFC Dinner Club Black Metal Edition Credit Card have spend based annual fee waiver?
Yes, You need to spend ₹8lakh in previous year to get waived off the fees.
Do the Club Marriott membership renewed every year?
No, It is only for the first year as welcome benefit.
Is there any milestone benefit for this card?
Yes, on spending 4 lakh in each quarter you will get 10,000 reward points.