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HDFC Diners Club Black Metal Rewards Calculator
Calculate your monthly rewards, quarterly bonuses, and annual value with the HDFC Diners Club Black Metal credit card.
Annual Fee
₹10,000 + GST
Base Rate
5 RP / ₹150 (3.33%)
Top Rate
50 RP / ₹150 (33.33%)
Fee Waiver
₹8L spend
Enter Your Monthly Spending Details
Hotels · Jockey · IGP · Pharmeasy
₹
Flights · Buses · Myntra · MMT
₹
IRCTC · Apple
₹
Gyftr · Woohoo
₹
10 RP/₹150 · 1,000 RP/day (~8,000 RP/month)
₹
5 RP/₹150 · capped at 2,000 RP/month
₹
5 RP/₹150 · capped at 2,000 RP/month
₹
5 RP/₹150 · cap 5,000 RP/month
₹
5 RP/₹150 · cap 75,000 RP/statement
₹
Your Rewards Summary
Monthly RP
0 RP
Monthly Spend
₹0
Monthly Return Rate
0.00%
Quarterly Spend Tracker · ₹4L threshold · ₹0₹4,00,000 below threshold
Monthly Cap Usage
SmartBuy Bonus (Overall)0 / 10,000 RP
Gift Card Bonus (Sub-cap)0 / 3,000 RP
Weekend Dining0 / 8,000 RP
Grocery Transactions0 / 2,000 RP
Utilities, Telecom & Cable0 / 2,000 RP
Insurance0 / 5,000 RP
Base (All Other Spends)0 / 75,000 RP
Annual Projection
Spending Months / Year1
112
Annual Spend
₹0
Annual RP
0
RP Value
₹0
Quarterly Bonus · 10,000 RP per quarter ≥ ₹4L · 0 quartersNo qualifying quarters yet
Fee Waiver · ₹8L annual spend0% · ₹8,00,000 to go
Total Annual Value₹0
Effective Return Rate0.00%
Assuming 1 RP = ₹1 · Fee waiver saves ₹11,800 (₹10,000 + 18% GST)
How this calculator works:
- • 10× SmartBuy: 1× base + 9× bonus on ₹150 blocks
- • 5× SmartBuy: 1× base + 4× bonus on ₹150 blocks
- • 3× SmartBuy: 1× base + 2× bonus on ₹150 blocks
- • Gift Cards (Gyftr/Woohoo): bonus RP capped separately at 3,000 RP/month
- • SmartBuy combined bonus capped at 10,000 RP/month (includes gift card bonus)
- • Weekend Dining: 10 RP/₹150 · capped at 1,000 RP per day (max ~8,000 RP/month)
- • Grocery Transactions: 5 RP/₹150 · capped at 2,000 RP/month
- • Utilities, Telecom & Cable: 5 RP/₹150 · capped at 2,000 RP/month
- • Insurance Transactions: 5 RP/₹150 · capped at 5,000 RP/month
- • Total Reward Points: capped at 75,000 RP per statement cycle
- • Quarterly Bonus: 10,000 RP for each quarter with ≥₹4L spend
- • 1 RP = ₹1 · Fee waiver at ₹8L annual spend saves ₹11,800