Best Credit Cards in India (2025)

Premium Welcome Package - ₹1.5 Lakh Spend in 90 Days

🎁

Amazon Prime Membership

• Free & fast delivery
• Ad-free Prime Video & Music
• Annual membership validity

Worth ₹1,499 annually

🏨

Club Marriott Membership

• 25% off F&B at Indian hotels
• 20% off F&B in Asia Pacific
• 20% off spa services
• 15% off Marriott Bonvoy

Worth ₹4,999 annually

🍽️

Swiggy One Membership

• 40% off on Swiggy Dineout
• Free delivery on ₹149+ orders
• ₹150 off on ₹1,500+ bills (twice monthly)
• 10% off on Swiggy Genie

Worth ₹1,199 annually

Total Welcome Value: ₹7,697 in premium memberships + unlimited lounge access + golf benefits!
Activation: Spend ₹1.5 lakh within 90 days of card issuance.

Reward Points Calculator

💰 Standard Earning (5 RP/₹150)

₹15,000 monthly spend500 RP (₹150 value)

₹50,000 monthly spend1,667 RP (₹500 value)

₹1,00,000 monthly spend3,333 RP (₹1,000 value)

🎯 Enhanced Categories

Weekend dining (2X RP)10 RP/₹150 (₹0.20/RP)

SmartBuy (10X RP)50 RP/₹150 (₹1.00/RP)

₹4 lakh quarterly milestone10,000 bonus RP

Annual Potential: 40,000+ RP from regular spends + 40,000 RP from milestones = ₹12,000+ value!
Caps: 75,000 RP per statement cycle, 10,000 RP monthly on SmartBuy, 2,000 RP monthly on groceries.

Unlimited Lounge Access - Primary & Add-on Cardholders

🇮🇳 Domestic Lounges

✓Unlimited access across major Indian airports
✓Complimentary for primary cardholder
✓Complimentary for add-on cardholders
✓Premium amenities and refreshments
✓Annual value: ₹50,000+

🌍 International Lounges

✓Unlimited access worldwide
✓Access to premium global lounge networks
✓Complimentary for primary cardholder
✓Complimentary for add-on cardholders
✓Annual value: ₹2,00,000+

Exceptional Value: Unlimited lounge access for both primary and add-on cardholders - unmatched in the premium segment!

Premium Golf Benefits - 24 Games Annually

⛳

6 Complimentary Golf Games Each Quarter

Quarterly Allocation

6 games per quarter

24 games annually

Booking Process

Contact concierge

Call 1800118887

Annual Value

₹1,00,000+

At premium courses

Premium Experience: Access to India's finest golf courses with professional concierge booking service.

Quarterly Milestone Benefits - 10,000 RP Bonus

₹4 Lakh Quarterly Spend

10,000 Bonus RP

Value: ₹3,000 (at ₹0.30/RP)

• Quarterly evaluation periods
• Automatic crediting within 10 days
• Calendar quarters: Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec
• No spending restrictions

Annual Milestone Potential

40,000 RP

₹12,000 value across 4 quarters

• 4 quarterly bonuses annually
• Consistent ₹4 lakh quarterly spend
• Monthly equivalent: ₹1.33 lakh
• Achievable for premium spenders

Strategic Planning: Maintain ₹1.33 lakh monthly spend to unlock all 4 quarterly milestones annually.

Dining & Entertainment Benefits

🍽️ Swiggy Dineout Benefits

Discount percentageUp to 10% off
Maximum discount₹400 per transaction
FrequencyTwice per month
Annual savings₹9,600

🏁 Weekend Dining Rewards

Reward multiplier2X Reward Points
Effective rate10 RP per ₹150
Days applicableSaturday & Sunday
Value per ₹150₹0.20

Eligibility Criteria for Diners Club Black Metal

💼 Salaried Individuals

Monthly Income₹2,50,000 minimum

Age Range21-60 years

CitizenshipIndian

EmploymentSalaried

🏢 Self-Employed Individuals

Annual Income₹30,00,000 minimum

Age Range21-65 years

CitizenshipIndian

Business TypeSelf-employed

Premium Eligibility: This is HDFC's most exclusive card requiring substantial income proof. Contact HDFC relationship manager for priority processing.

Comprehensive Insurance Coverage

Insurance Type	Coverage Amount	Key Benefits
Air Accident Insurance	₹2,00,00,000	Complete coverage for accidental air travel death
Overseas Hospitalization	₹50,00,000	Emergency medical expenses abroad

Superior Protection: ₹2.5 crore comprehensive coverage - among India's highest for premium credit cards!

Diners Club Black Metal vs HDFC INFINIA

Feature	Diners Club Black Metal	HDFC INFINIA
Annual Fee	₹10,000	₹12,500
Welcome Benefits	₹7,697 value (3 memberships)	12,500 RP welcome bonus
Lounge Access	Unlimited domestic & international	Unlimited domestic & international
Golf Benefits	24 games annually	Unlimited golf access
Fee Waiver Spend	₹8 lakh annually	₹10 lakh annually

Verdict: Diners Club Black Metal offers better welcome value and lower annual fee, while INFINIA provides higher reward rates and unlimited golf access. Choose based on your spending pattern!

Reward Points Redemption Options

💰

Cashback

₹0.30 per RP

Maximum ₹50,000 RP per redemption

🛍️

Product Catalog

Up to ₹0.50 per RP

Redeem for electronics, lifestyle products

✈️

Airmiles

0.5-1 Airmile per RP

Convert to airline frequent flyer miles

🛒

SmartBuy Portal

₹1.00 per RP

Best value for flights, hotels, and holiday bookings

Pro Tip: Use SmartBuy portal for ₹1 per RP value on travel bookings - maximizes your reward points!

HDFC Bank Diners Club Black Metal Credit Card - Premium Luxury with Unlimited Lounge Access

HDFC Bank Diners Club Black Metal Edition