Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Diners Club Black METAL
HDFC Bank
Joining fee
₹10,000
Fee waived if you
spend ₹8,00,000 in the year
Earns more
4Airport lounge access
Check HDFC Bank's current card page
Points
Make the most of this card
Use the bonus earning channel
2X Reward Points on weekend Dining 2X Reward Points i.e. 10 Reward points per Rs. 150 spend at standalone restaurants during weekend – Saturday and Sunday
More rules and steps
Redeem Reward Points on SmartBuy at up to 1:1 ratio Up to 10X Reward Points on spending via SmartBuy (opens in a new tab) . Redeem up to 70% of booking value through Reward Points
Keep the rewards you earn
Redemption Limit Reward Points can be redeemed up to 70% of the booking value for Flights and Hotel booking. The remaining amount will have to be paid via Credit Card.
Plan for a spend milestone
Page 1 of 7 Classification - Internal Classification - Internal Quarterly Milestone: Get 10,000 reward points upon spending Rs. 4,00,000 or more in a calendar quarter
Benefits
9Only after ₹8,00,000 spend in the year
Conditions apply — read the clause.
Conditions apply — read the clause.
Only after ₹4,00,000 spend in the quarter
Earns, up to a limit
4The normal rate, until a ceiling in the terms.
capped at 2000 Reward Points per calendar month
capped at 2000 Reward Points per calendar month
capped at 2000 Reward Points per calendar month
Earns nothing
8Spend here and the terms say you earn no rewards.
Earns the normal rate
1Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.