Cardfare / Cards / HDFC Diners Club Black Metal
HDFC Diners Club Black Metal: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one Diners Club Black Metal Reward Points unit at ₹0.5 (products & vouchers up to rs 0).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| HDFC SmartBuy | 25 pts / ₹150 | 8.3% | SmartBuy accelerated (bonus) points capped at 10,000 per calendar month (10,000/day) for Diners Black Metal; base points continue beyond the cap | Terms |
| HDFC SmartBuy hotels | 50 pts / ₹150 | 17% | SmartBuy accelerated (bonus) points capped at 10,000 per calendar month (10,000/day) for Diners Black Metal; base points continue beyond the cap | Terms |
| HDFC SmartBuy vouchers | 15 pts / ₹150 | 5.0% | SmartBuy brand-voucher accelerated points capped at 3,000 per calendar month (from 1 Jul 2026), counted within the 10,000 overall cap | Terms |
| Insurance premiums | 5 pts / ₹150 | 1.7% | Insurance Reward Points capped at 5,000 per month (from 1 Jul 2025; earlier 5,000/day) | Terms |
| Groceries & quick commerce | 5 pts / ₹150 | 1.7% | Grocery Reward Points capped at 2,000 per month | Terms |
| Bills & utilities | 5 pts / ₹150 | 1.7% | Utility Reward Points capped at 2,000 per month | Terms |
| Mobile & broadband | 5 pts / ₹150 | 1.7% | Telecom Reward Points capped at 2,000 per month | Terms |
| Everything else | 5 pts / ₹150 | 1.7% | Maximum 75,000 Reward Points earnable per statement cycle | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
| Rent | No rewards | 0% | — | Terms |
| Tax & government | No rewards | 0% | — | Terms |
Milestones
- 10,000 bonus Reward Points on ₹4 lakh spend in a calendar quarter (valued at the conservative ₹0.50/RP)
Recent changes
-
CutHDFC Bank· since 1 July 2026
HDFC caps SmartBuy voucher bonus points at 3,000 a month
Accelerated points on brand vouchers bought through SmartBuy (GyFTR or Woohoo) are now capped at 3,000 a month. On Infinia this sits inside the unchanged 15,000-point monthly SmartBuy accelerated cap.
Cards: HDFC Infinia Metal Edition, HDFC Diners Club Black Metal
Source: Live From A Lounge
-
CutReportedHDFC Bank· since 1 July 2025
HDFC caps reward points on insurance and ends points on skill-gaming
Reward points on insurance payments are now capped each month at 10,000 on Infinia, 5,000 on Diners Black variants and 2,000 on most other cards. Online skill-gaming spends no longer earn reward points or CashPoints.
Applies across HDFC Bank's cards
Source: Upstox News
-
New feeReportedHDFC Bank· since 1 July 2025
HDFC adds 1% fee on wallet loads and skill-gaming, raises fee cap to ₹4,999
HDFC began charging 1% on wallet loads (excluding PayZapp) and online skill-gaming once either exceeds ₹10,000 in a calendar month. Its existing 1% fees on rent, fuel, education (via third-party apps) and utilities (above ₹50,000 a month, ₹75,000 for business cards) are now capped at ₹4,999.
Applies across HDFC Bank's cards
Source: Business Standard
Live offers for this card
- AmazonHDFC Bank· until 30 September 2026
₹1,250 off on ₹15,000+ · card EMI only
Flat ₹1,250-₹1,750 off on HDFC Credit Card EMI (6m+) on ₹15,000+
Offer terms · verified 23 Sept 2026
- AmazonHDFC Bank· until 30 September 2026
₹3,000 off on ₹50,000+ · card EMI only
Flat ₹3,000-₹4,000 off on HDFC Credit Card EMI (6m+) on ₹50,000+
Offer terms · verified 23 Sept 2026