# HDFC Diners Club Black Metal

HDFC Bank · Diners Club. ₹10,000 fee · 2% forex · 5 RP / ₹150 (3.33%).

verified · checked 13 June 2026 · Source: https://offers.smartbuy.hdfc.bank.in/

## How it earns (3)

- 5 RP / ₹150 (3.33%) · verified · checked 13 June 2026
- 10X via SmartBuy hotels only · 50 RP/₹150, cap 10K RP/mo and /day · cap 10,000 points per month · verified · checked 24 June 2026
- 3X via SmartBuy vouchers (Gyftr) · 15 RP/₹150, cap 10K RP/mo and /day overall · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 (cardholder-reported) · cap 10,000 points per month · verified · checked 1 July 2026

## On gift vouchers

- ₹1,000 back on a ₹10,000 voucher bought through SmartBuy 3X. · Counted as points for travel; ₹300 if they are cashed out. · 3X via SmartBuy vouchers (Gyftr) · 15 RP/₹150, cap 10K RP/mo and /day overall · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 (cardholder-reported)
- Vouchers for Amazon: ₹333, bought through SmartBuy 1X. · 5 RP / ₹150 (3.33%)
- Vouchers for Flipkart: ₹705, bought through SmartBuy 3X. · 3X via SmartBuy vouchers (Gyftr) · 15 RP/₹150, cap 10K RP/mo and /day overall · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 (cardholder-reported)

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No rewards on wallet-load gift cards · branded vouchers earn base (the issuer does not address them)
- No rewards: fuel, rent (1% fee), wallet, govt

## Milestones (1)

- 10,000 RP @ ₹4L quarterly spend · ₹10,000 at ₹4,00,000 spend per quarter · verified · checked 13 June 2026

## Lounges (1)

- Unlimited domestic and international visits on the Diners Club card itself, add-on cards included. · Diners Club (card-based) · domestic and international · unlimited

## Transfer partners (10)

- AirAsia Rewards Points · 1 : 1 · 1-2 days · verified · checked 6 July 2026
- Flying Blue Miles · 1 : 1 · verified · checked 3 July 2026
- IHG One Rewards Points · 1 : 1 · 1-2 days · verified · checked 6 July 2026
- KrisFlyer Miles · 1 : 1 · 1-2 days · ✓ official · checked 11 June 2026
- Lotusmiles (Vietnam Airlines) · 1 : 1 · 1-2 days · verified · checked 6 July 2026
- SpiceClub Points (SpiceJet) · 1 : 1 · 1-2 days · verified · checked 6 July 2026
- Wyndham Rewards Points · 1 : 1 · 1-2 days · verified · checked 6 July 2026
- ALL Reward Points · 2 : 1 · 2-3 days · ✓ official · checked 17 July 2026
- Avianca LifeMiles · 2 : 1 · 1-2 days · verified · checked 6 July 2026
- Miles&Smiles Miles · 2 : 1 · 1-2 days · ✓ official · checked 11 June 2026

## Comes with (3)

- 24×7 concierge
- Golf
- Club Marriott (1 yr)

## Fees

- Annual fee: ₹10,000 + GST
  Waived at ₹8,00,000 spend per card year
- Forex markup: 2%
- DCC markup: 1.75%
- Earns: HDFC Reward Points · ₹1 a point at baseline

## Dated changes (1)

- Devaluation · 1 July 2026: HDFC SmartBuy: 3,000 ARP/month sub-cap introduced on brand vouchers (Gyftr/Woohoo) (https://getbrief.cards/changes#hdfc-smartbuy-arp-cap-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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