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HDFC Diners Club Metal Edition Credit Card
HDFC • Diners Club

HDFC Diners Club Metal Edition Credit Card

Elevate your lifestyle with the HDFC Diners Club Metal Edition Credit Card. Enjoy exclusive privileges, travel perks, and rewards on every spend.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹10000Check issuer terms
Base Reward0.5%On all spends
Lounge Access5942 domestic • 17 intl
Est. Annual Savings₹-7,600Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹10,000

Check issuer terms

Net value₹8,200

Estimated cost after fees.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • HDFC Diners Club Metal Edition Credit Card is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 0.5% on base-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 59, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 10,000 and reduce allocation if annual net value weakens.

Watchouts

  • cashback realization depends on eligible spend classification and exclusions
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹10,000
  • Annual fee₹10,000
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkDiners Club
  • Domestic count42
  • International count17
  • Quarterly limitNot listed
  • Airport-terminal rows59
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports7
  • Approval reports4

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HDFC Diners Club Black

Annual fee: ₹9999

Shared focus: Premium, TravelHigher top earn rate (16.0%)Estimated +₹9,432/yr value
View Details
Step 2

HDFC Bank Biz Black Metal Edition Credit Card

Annual fee: ₹10000

Shared focus: Premium, TravelHigher top earn rate (6.0%)Estimated +₹1,120/yr value
View Details
Step 3

HDFC Infinia Metal

Annual fee: ₹12500

Shared focus: Premium, TravelHigher top earn rate (16.5%)Estimated +₹6,346/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Diners Club Metal Edition Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Validate latest spend-linked unlock, guest terms, and visit caps with current HDFC policy before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Validate latest spend-linked unlock, guest terms, and visit caps with current HDFC policy before travel.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

59 airport lounge rows
View lounge map and location list59 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Agartala

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AGA • Agartala Airport • Main Terminal

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The Lounge Domestic T1 DepartureDomestic

AHM • Ahmedabad Airport • Terminal 1

The Lounge International T2 DepartureInternational

AHM • Ahmedabad Airport • Terminal 2

Allahabad/Prayagraj

1 lounges • 1 domestic • 0 international

1
Zesto LoungeDomestic

ALL • Allahabad Airport • Terminal 1

Amritsar

2 lounges • 1 domestic • 1 international

2
Airr LoungeInternational

AMR • Amritsar Airport • Main Terminal

Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Ayodhya

1 lounges • 1 domestic • 0 international

1
Kailash ParbatDomestic

AYO • Maharshi Valmiki International Airport • Main Terminal

Bengaluru

6 lounges • 4 domestic • 2 international

6
080 Domestic T1 DepartureDomestic

BEN • Bengaluru Airport • Terminal 1

080 Domestic T2 DepartureDomestic

BEN • Bengaluru Airport • Terminal 2

080 International T2 ArrivalInternational

BEN • Bengaluru Airport • Terminal 2

080 International T2 DepartureInternational

BEN • Bengaluru Airport • Terminal 2

BLR Domestic T1 DepartureDomestic

BEN • Bengaluru Airport • Terminal 1

Care By BLR Domestic T1 ArrivalDomestic

BEN • Bengaluru Airport • Terminal 1

Bhopal

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

BHO • Raja Bhoj International Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus Lounge Domestic DepartureDomestic

CHA • Chandigarh Airport • Main Terminal

Primus Lounge International DepartureInternational

CHA • Chandigarh Airport • Main Terminal

Chennai

4 lounges • 3 domestic • 1 international

4
Travel Club Lounge A Domestic T1 DepartureDomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge B Domestic T1 DepartureDomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge Domestic T4 DepartureDomestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge International T2 DepartureInternational

CHE • Chennai Airport • Terminal 2

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Terminal 1

Dabolim

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge Domestic T1 DepartureDomestic

DAB • Dabolim Airport • Main Terminal

Travel Club Lounge International T1 DepartureInternational

DAB • Dabolim Airport • Main Terminal

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Saptagiri RestaurantDomestic

DIB • Dibrugarh Mohanbari Airport • Terminal 1

Goa

2 lounges • 1 domestic • 1 international

2
Encalm Lounge Domestic T1 DepartureDomestic

GOA • Goa Airport • Terminal 1

Encalm Lounge International T1 DepartureInternational

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm Lounge Domestic T1 DepartureDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm Lounge International T1 DepartureInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Jammu

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

JAM • Jammu Airport • Terminal 1

Kannur

2 lounges • 1 domestic • 1 international

2
Pearl Lounge Domestic T1 DepartureDomestic

KAN • Kannur Airport • Main Terminal

Pearl Lounge International T1 DepartureInternational

KAN • Kannur Airport • Main Terminal

Kochi

3 lounges • 1 domestic • 2 international

3
Earth Business Class Lounge T3 DepartureInternational

KOC • Kochi Airport • Terminal 3

Earth Lounge Domestic T1 DepartureDomestic

KOC • Kochi Airport • Terminal 1

Earth Lounge International T3 DepartureInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge Domestic T2 DepartureDomestic

KOL • Kolkata Airport • Terminal 2

Travel Club Lounge International T2 DepartureInternational

KOL • Kolkata Airport • Terminal 2

Lucknow

1 lounges • 1 domestic • 0 international

1
CIP LoungeDomestic

LUC • Lucknow Airport • Terminal 3

Madurai

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

MAD • Madurai Airport • Terminal 1

Mumbai

4 lounges • 3 domestic • 1 international

4
Adani East Lounge T2 International DepartureInternational

MUM • Mumbai Airport • Terminal 2

Adani Lounge Domestic T2 DepartureDomestic

MUM • Mumbai Airport • Terminal 2

Adani Lounge T1B Domestic DepartureDomestic

MUM • Mumbai Airport • Terminal 1B

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm Lounge Domestic T1 DepartureDomestic

NEW • New Delhi Airport • Terminal 1

Encalm Lounge Domestic T3 DepartureDomestic

NEW • New Delhi Airport • Terminal 3

Encalm Lounge International T3 DepartureInternational

NEW • New Delhi Airport • Terminal 3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian Lounge GF Domestic DepartureDomestic

PUN • Pune Airport • Main Terminal

Ranchi

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Main Terminal

Siliguri

1 lounges • 1 domestic • 0 international

1
Take Off Bar And LoungeDomestic

SIL • Bagdogra Airport • Main Terminal

Srinagar

1 lounges • 1 domestic • 0 international

1
Paahun The Executive LoungeDomestic

SRI • Srinagar Airport • Terminal 1

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
The Lounge International T2 DepartureInternational

THI • Thiruvananthapuram Airport • Terminal 2

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Main Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take Off BarDomestic

VAR • Varanasi Airport • Main Terminal

Visakhapatnam

1 lounges • 1 domestic • 0 international

1
Airr LoungeDomestic

VI1 • Visakhapatnam Airport • Main Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • 5 reward points for every ₹150 spent.

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About HDFC Diners Club Metal Edition Credit Card

HDFC Diners Club Metal Edition Credit Card is a cashback card from HDFC, best for travel & lounge access. It is tagged under travel, lifestyle, premium categories in our database.

TravelLifestylePremium

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Frequently asked questions

Is HDFC Diners Club Metal Edition Credit Card lifetime free?

It has an annual fee of ₹10000. Check issuer terms

What rewards does HDFC Diners Club Metal Edition Credit Card offer?

Elevate your lifestyle with the HDFC Diners Club Metal Edition Credit Card. Enjoy exclusive privileges, travel perks, and rewards on every spend.

Does HDFC Diners Club Metal Edition Credit Card include lounge access?

HDFC Diners Club Metal Edition Credit Card lists 59 lounge visits (42 domestic, 17 international).

Who should consider HDFC Diners Club Metal Edition Credit Card?

Travel & lounge access

Where can I apply for HDFC Diners Club Metal Edition Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.