{
  "id": "hdfc-diners-club-black-metal-edition-credit-card",
  "locale": "hinglish",
  "name": "HDFC Diners Club Black Metal Edition Credit Card",
  "bank": "HDFC Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹10,000 + GST",
  "loungeAccess": "Unlimited Domestic & Intl Lounges (Global Diners Network)",
  "rewardsRate": "3.33% Base (5 RP/₹150) · Up to 33.3% on SmartBuy · Unlimited Global Lounges · 24 Golf",
  "bestFor": "High-earning executives, global travelers, 1:1 airline mile transfers, SmartBuy bookings & luxury hotel perks",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/diners-club-black-metal-edition-credit-card",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹10000) erodes net rewards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3.33,
  "affiliateId": "hdfc-diners-black",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Diners Club Black Metal Edition schedule of charges",
    "HDFC SmartBuy & Diners Club — 10X reward multipliers and unlimited lounge terms"
  ],
  "feeWaiver": "₹8,00,000 annual spend par fee waive",
  "networks": [
    "Diners Club"
  ],
  "quickFacts": [
    {
      "key": "Card Material",
      "value": "Solid Matte Black Metal"
    },
    {
      "key": "Base Reward Rate",
      "value": "3.33% (5 RP / ₹150, 1 Pt=₹1)"
    },
    {
      "key": "SmartBuy Rewards",
      "value": "Up to 33.3% (10X Multipliers)"
    },
    {
      "key": "Airport Lounges",
      "value": "Unlimited Global Lounges"
    },
    {
      "key": "Golf Privilege",
      "value": "24 Rounds / year (6/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹10,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "HDFC SmartBuy Hotels",
      "rate": "33.3% (10X Accelerated Rewards)",
      "monthlyCap": "10,000 bonus pts / month (2,500/day)",
      "perLakhSpent": "33,333 RP (₹33,333 flight/hotel value)"
    },
    {
      "category": "HDFC SmartBuy Flights",
      "rate": "16.6% (5X Accelerated Rewards)",
      "monthlyCap": "10,000 bonus pts / month (2,500/day)",
      "perLakhSpent": "16,666 RP (₹16,666 flight/hotel value)"
    },
    {
      "category": "HDFC SmartBuy Instant Vouchers & Gift Cards",
      "rate": "9.99% (3X Accelerated Rewards)",
      "monthlyCap": "10,000 bonus pts / month (2,500/day)",
      "perLakhSpent": "9,999 RP (₹9,999 flight/hotel value)"
    },
    {
      "category": "All Other Domestic & Intl Retail",
      "rate": "3.33% (5 RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,333 RP (₹3,333 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "SmartBuy Hotels",
      "multiplier": "10×",
      "rate": "33.3%",
      "monthlyCap": "10,000 bonus pts / month",
      "dailyCap": "2,500 pts / day",
      "note": "SmartBuy pe hotel bookings pe 10X points."
    },
    {
      "channel": "SmartBuy Flight Bookings",
      "multiplier": "5×",
      "rate": "16.6%",
      "monthlyCap": "10,000 bonus pts / month",
      "dailyCap": "2,500 pts / day",
      "note": "SmartBuy pe flight ticket bookings pe 5X points."
    },
    {
      "channel": "SmartBuy Instant Vouchers (Gyftr Gift Cards)",
      "multiplier": "3×",
      "rate": "9.99%",
      "monthlyCap": "10,000 bonus pts / month",
      "dailyCap": "2,500 pts / day",
      "note": "Amazon Shopping, Swiggy, Flipkart aur brand gift vouchers pe 3X points."
    },
    {
      "channel": "Quarterly Spend Milestone (₹4 Lakhs)",
      "multiplier": "Milestone",
      "rate": "10,000 Bonus Points",
      "monthlyCap": "Quarterly milestone",
      "dailyCap": "—",
      "note": "Saal ka 40,000 bonus points tak (worth ₹40,000 on flights/hotels)."
    },
    {
      "channel": "Weekend Dining (Standalone Restaurants)",
      "multiplier": "2×",
      "rate": "6.67%",
      "monthlyCap": "1,000 pts / day",
      "dailyCap": "1,000 pts / day",
      "note": "Standalone restaurants pe weekend dining pe 2X points (10 RP / ₹150)."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy Flight & Hotel Bookings",
      "value": "₹1.00 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "Up to 70% of booking value",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "1:1 Air Mile Transfer (Singapore Krisflyer, Vistara)",
      "value": "₹1.00–₹1.50 / Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Apple / Luxury Catalog on SmartBuy",
      "value": "₹0.50 / Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹10,000).",
    "Government tax payments & wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹10,000 + GST (No joining reward points; includes Club Marriott, Prime & Swiggy One on ₹1.5L spend in 90 days)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹10,000 + GST (Waived at ₹8,00,000 annual spend; no renewal reward points)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "1.99% / month (23.88% / year — lowest APR)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1.75 Lakhs+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹21.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}