Is Upgrading from Diners Club Black to Diners Club Black Metal Edition Worth It?

Comparison: Diners Club Black vs. Diners Club Black Metal Edition

Feature Diners Club Black Diners Club Black Metal Edition
Joining/Renewal Fees ₹10,000 + GST ₹10,000 + GST
Annual Fee Waiver On Spending ₹5 Lakh in a Year On Spending ₹8 Lakh in a Year
Welcome Benefits Complimentary Annual Memberships (Forbes, Club Marriott, MMT Black, Amazon Prime, Swiggy One) Complimentary Memberships (Club Marriott, Swiggy One, Amazon Prime)
Golfing Benefits 6 Complimentary Golf Games Each Quarter 6 Complimentary Golf Games Each Quarter
Milestone Benefits Monthly – Cult.fit Live Membership or ₹500 Vouchers (on ₹80,000 Spends) Quarterly – 10,000 Bonus Reward Points (on ₹4 Lakh Spends)
SmartBuy Reward Point Cap 2,500 RPs Per Day, 7,500 RPs Per Month 10,000 RPs Per Day/Month

Key Benefits of the Diners Club Black Metal Edition:

  • Greater Rewards on SmartBuy: The Metal Edition offers an increased cap on reward points with SmartBuy—up to 10,000 RPs per month!
  • Quarterly Milestone Benefits: Earn 10,000 Reward Points on quarterly spends of ₹4 lakh, making it easier to hit milestones and earn rewards.
  • Swiggy One Annual Membership: Foodies will love the complimentary Swiggy One membership that comes as a welcome benefit with the Metal Edition.

Should You Upgrade?

  • Consider Your Spending Habits: If your spending allows you to hit the quarterly milestone benefits, the Diners Club Black Metal Edition could be a great fit.
  • Lifetime Free Diners Club Black: If you currently have a lifetime free Diners Club Black Credit Card, weigh the benefits carefully before making the switch.