HDFC Diners Club Black Metal Credit Card Review

HDFC Diners Club Black Metal Credit Card Review
The HDFC Diners Club Black Metal Credit Card is a super-premium credit card that offers a number of exclusive benefits and rewards. It is one of the most expensive credit cards in India, with an annual fee of Rs. 10,000.
Pros:
  • High reward rate of 5 reward points per Rs. 150 spent on all categories
  • 10X reward points on spends of Rs. 4 lakh every calendar quarter
  • 2X reward points on weekend dining
  • Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), and MMT BLACK
  • Complimentary Ola cabs, cult.fit Live, BookMyShow, and TataCliQ vouchers on spends of over Rs. 80,000 every month
  • Unlimited complimentary airport lounge access worldwide
  • 6 complimentary golf games every quarter at the finest courses in the world
  • Global Personal Concierge service
  • 24/7 customer support
Cons:
  • High annual fee of Rs. 10,000
  • Stringent eligibility criteria (net monthly income of Rs. 1.75 lakh for salaried or Rs. 21 lakh for self-employed)
  • Limited acceptance of Diners Club cards
Who Should Apply for the HDFC Diners Club Black Metal Credit Card?
  • High-net-worth individuals who spend a lot of money on their credit cards
  • Frequent travelers who want to take advantage of the card's unlimited airport lounge access and global personal concierge service
  • People who want to earn a high reward rate on all of their spending
Who Should Avoid the HDFC Diners Club Black Metal Credit Card?
  • People who are new to credit cards or have a low credit score
  • People who do not spend a lot of money on their credit cards
  • People who do not travel frequently
  • People who do not want to pay a high annual fee
 
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