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HDFC Bank · Super-premium

HDFC Diners Club Black Metal

Earns HDFC Reward Points (Infinia / Diners Black)
Where it ranks across all 187 cards
#3 Insurance 3.3% direct #3 Jewellery & watches 3.3% direct #4 Utility bills 3.3% direct #5 Mobile / broadband 3.3% direct #6 Other 3.3% direct
#7 Train tickets 3.3% direct #7 Health & pharmacy 3.3% direct #10 Dining out 3.3% direct #11 Cabs & transit 3.3% direct #12 Hotels 3.3% direct portal reaches 33.0% #12 Electronics 3.3% direct #13 Flights 3.3% direct portal reaches 16.5% #15 Groceries 3.3% direct #17 Movies & events 3.3% direct #18 Online shopping 3.3% direct #19 Food delivery 3.3% direct #20 Fashion 3.3% direct
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Partner transfers - best: Accor ALL (Live Limitless) at 2:1
₹1.05-₹1.15/pt · ceiling 3.83% at premium-cabin redemptions - never used to rank
3.50%
Engine value - conservative, what rankings use
₹1/pt
3.33%
Bank travel portal
₹1/pt
3.33%
Vouchers / catalogue
₹0.5/pt
1.67%
Statement credit
₹0.3/pt
1.00%
SmartBuy flights/hotels ₹1/pt; vouchers ₹0.5; cashback ₹0.3
Points valued at ₹1/pt - conservative, what rankings use · transfers reach up to ₹1.15/pt via Accor ALL (Live Limitless) at 2:1
Reward rules1 direct
Base rate - everything not covered below
3.33%base rate
5 pts / ₹150
source
Source: HDFC DCB MITC - hdfcbank.com - read 20 Aug 2026
Base rate, but capped4
Utilities: base rate capped 2,000 pts/month
base rate
2,000 pts/calendar month
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Telecom: base rate capped 2,000 pts/month
base rate
2,000 pts/calendar month
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Grocery: base rate capped 2,000 pts/month
base rate
2,000 pts/month
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Insurance: base rate capped 5,000 pts/month
base rate
5,000 pts/month
source
Source: Diners Black Metal Rewards T&C, 19 Aug 2024 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
SmartBuy flights 5X
via smartbuy · 10,000 accelerated RP/month SHARED across all SmartBuy (+10,000/day)
source
Source: SmartBuy master T&C Jul-Aug 2026 (portal page) - offers.smartbuy.hdfc.bank.in - read 22 Aug 2026
16.7%
SmartBuy hotels 10X
via smartbuy · 10,000 accelerated RP/month SHARED across all SmartBuy (+10,000/day)
source
Source: SmartBuy master T&C Jul-Aug 2026 (portal page) - offers.smartbuy.hdfc.bank.in - read 22 Aug 2026
33.3%
SmartBuy gift vouchers 3X
voucher route via smartbuy · ~3,000 pts/month
source & note
Gyftr currently lists DCB at “up to 3X” on vouchers (Aug 2026); bonus capped 3,000 pts/month since Jul 1 2026.
Source: HDFC SmartBuy master T&C, Sep 2026 (Brand Vouchers row; pt 14 excludes InstaDeals) - offers.smartbuy.hdfc.bank.in - read 24 Sep 2026
10.0%
Amazon Pay gift card: Insta Deal, base RP only
voucher route via smartbuy
source & note
GyFTR sells the Amazon Pay gift card (listed as plain "Amazon") ONLY as an Insta Deal: 1% instant discount + base Reward Points (1X), never the accelerated 5X/3X (master SmartBuy T&C point 14: InstaDeals not eligible for accelerated earn). Amazon Fresh and Amazon Prime offer BOTH tabs and the Accelerated one pays more, so they stay on the accelerated voucher rule; the Amazon Shopping Voucher is Accelerated only. Checked per brand on GyFTR 24 Sep 2026.
Source: GyFTR Amazon Pay Gift Voucher on HDFC SmartBuy - Insta Deal only, 1% + 1X RP - gyftr.com - read 24 Sep 2026
3.3%
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
₹4,00,000 / quarter
10,000 RP each ₹4L calendar quarter
₹10,000estimated value
What 10,000 points become. The low end of each range ranks; the high end is display only.
Accor ALL (Live Limitless)
2:1 ratio · 2:1 stated in the bank Rewards Program T&C (eff. Jan 2024).
5,000 ptsworth ₹10,500-₹11,500
Singapore Airlines KrisFlyer
1:1 ratio · Portal-gated: verify in SmartBuy before transferring.
10,000 ptsworth ₹8,000-₹25,000
Air France-KLM Flying Blue
1:1 ratio · Portal-gated: verify in SmartBuy before transferring.
10,000 ptsworth ₹7,000-₹20,000
Finnair Plus (Avios)
1:1 ratio · Portal-gated: verify in SmartBuy before transferring.
10,000 ptsworth ₹7,000-₹18,000
Wyndham Rewards
1:1 ratio · Portal-gated: verify in SmartBuy before transferring.
10,000 ptsworth ₹5,000-₹7,000
Club ITC
2:1 ratio · Portal-gated: verify in SmartBuy before transferring.
5,000 ptsworth ₹4,500-₹5,500
Vietnam Airlines Lotusmiles
1:1 ratio · Portal-gated: verify in SmartBuy before transferring.
10,000 ptsworth ₹4,000-₹10,000
Air Canada Aeroplan
2:1 ratio · Portal-gated: verify in SmartBuy before transferring.
5,000 ptsworth ₹4,000-₹11,000
Transfers on SmartBuy are capped at 1,50,000 points a month. Turkish, Accor and LifeMiles are 2:1 since Jan 2024. The full partner list is inside SmartBuy after you log in - check it there before transferring.
Earns nothing on7 exclusions
Fuel
earns nothing
Fuel earns 0 points (surcharge waiver only).
→ use IndianOil RBL XTra here (7.5%)
detail & source
HDFC publishes NO exclusion MCC codes - categories only (MITC + card rewards T&C).
categories: Fuel
Source: Diners Black Metal Rewards T&C, 19 Aug 2024 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent and property-management payments earn 0 points (w.e.f.
→ use Axis Burgundy Private here (4.2%)
detail & source
1 Jan 2023).
categories: Rent
Source: Diners Black Metal Rewards T&C, 19 Aug 2024 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government transactions earn 0 points (w.e.f.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
1 Jan 2023).
categories: Government / tax
Source: Diners Black Metal Rewards T&C, 19 Aug 2024 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loading earns nothing; accrued points reversed.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Education
earns nothing
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Diners Black Metal Rewards T&C, 19 Aug 2024 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming earns nothing (w.e.f.
→ use FIRST Private here (6.6%)
detail & source
1 Jul 2025).
categories: Gaming
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
EMI
earns nothing
EasyEMI/SmartEMI excluded; points reversed on EMI conversion.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Amazon Prime
Complimentary 1-year Amazon Prime membership on ₹1.5 lakh spent in the first 90 days
Source: HDFC Bank - Diners Club Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Swiggy One
Complimentary 1-year Swiggy One membership on ₹1.5 lakh spent in the first 90 days
Source: HDFC Bank - Diners Club Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Club Marriott
Complimentary 1-year Club Marriott membership on ₹1.5 lakh spent in the first 90 days
Source: HDFC Bank - Diners Club Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Airport lounges
Unlimited complimentary access to 1,300+ airport lounges in India and abroad for primary and add-on cardholders
Source: HDFC Bank - Diners Club Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Golf courses
6 complimentary golf games every quarter at leading courses worldwide
Source: HDFC Bank - Diners Club Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
HDFC card insurance
Air accident insurance cover of ₹2 crore and emergency overseas hospitalisation cover of ₹50 lakh
Source: HDFC Bank - Diners Club Black Metal Edition Credit Card - hdfc.bank.in - read 11 Oct 2026
Rent
HDFC rent fee 1% + GST (capped ₹4,999 per transaction)
1%
🎟️ SmartBuy voucher laddering - buy your shopping money at 5X
Buy Amazon Shopping / Flipkart / Croma vouchers on SmartBuy at 5X points first, then shop with the vouchers. You earn accelerated points on spends that would otherwise earn base rate. Not the Amazon Pay gift card (GyFTR lists it as plain "Amazon"): it is an Insta Deal only - 1% off, base points. Amazon Fresh and Prime offer both; pick the Accelerated Rewards tab.
Infinia: bonus (20/₹150) sub-capped at 3,000 pts/month → full 5X on the first ₹22,500 of vouchers = 16.7% at ₹1/pt, base 3.3% beyond. Regalia Gold: 6.7% on ~₹28,000. Diners Black is now only 3X (10%) - a printed asymmetry where Regalia beats DCB on vouchers.
📚 School fees direct, never via apps - the education split HDFC prints
HDFC kills education points ONLY when paid through third-party apps (CRED, Cheq, MobiKwik). The school or college website / POS earns full points - the bank prints this distinction.
₹2,00,000/year tuition on Infinia direct → 6,666 pts → ₹6,666 at ₹1/pt vs ₹0 minus ₹2,000 fee via an app: a ₹8,666 swing.
🏨 SmartBuy hotels 10X - the number one play in India right now
Hotels booked through SmartBuy earn 10X - on Infinia that is 33% back at ₹1/pt, printed in the portal T&C with worked examples. Flights earn 5X (16.7%). This survived the Jul 2026 voucher nerf untouched.
Infinia: ₹50,000 hotel → ~15,000 pts → ₹15,000 at ₹1/pt = 33.3% (the bank T&C itself shows this example). Regalia Gold: 13.3% at ₹0.5/pt, cap exhausts near ₹16,700.
💊 The niche 10X aisles: Pharmeasy, IGP, Jockey - 33% on medicines
The SmartBuy matrix quietly lists 10X on Pharmeasy, IGP.com and Jockey for ALL tiers - on Infinia that is 33% back on medicines, one of the strangest printed sweet spots in the market.
₹3,000/month of medicines on Infinia → 1,000 pts → ₹1,000 = 33%; ₹12,000/year of value from a chronic-prescription household.
🏆 The boring backbone: board-rate coins on Infinia at 3.3%
HDFC publishes NO jewellery exclusion (rare - Axis/SBI/Kotak/HSBC/AU all pay zero on jeweller MCCs), and community practice confirms Infinia earns full 3.3% at Tanishq/Kalyan/Malabar, counting toward fee waivers. Unlimited capacity, no games: buy board-rate coins at low-premium chains.
₹1,00,000 Malabar coin → ₹3,300 in points → net ~parity to +1.6% over spot+GST. Not below parity, but unlimited and reliable.
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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