HDFC Bank
HDFC Diners Club Black Metal Edition
HDFC Bank
4.8
Best for: Frequent flyers and luxury travelers
Key Features
Annual Fee
₹10,000
Regular APR
3.6% per month (43.2% p.a.)
Airport Lounge Access
Unlimited
Rewards & Benefits
Sign-up Bonus
Complimentary Club Marriott membership
Rewards Rate
3.3% reward rate, 10X points on travel and dining
Pros
- Unlimited international lounge access globally
- Unlimited domestic lounge access
- Complimentary golf rounds at select courses
- 2 domestic flight tickets annually on renewal
- Metal card
Cons
- Very high annual fee (₹10,000)
- Limited acceptance at small merchants
- Invite-only for most customers
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Annual Fee₹12,500
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