How to Use Diners Club Black Metal Credit Card (Complete Guide)

Apply for HDFC Bank Credit Card Here: https://bitli.in/vxYPWqM
Check DCB Metal SmartBuy Smart Buy Offers Here: https://offers.smartbuy.hdfcbank.com/v2/diners/home
Reward Points Terms and Conditions: https://shorturl.at/rFC7c
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Other ways of reward point redemption

Product Vouchers – Okay Value
[You can also redeem points for shopping or restaurant vouchers. Here, one point is worth about 0.50 rupee. You can use these for Amazon, Flipkart, and many other stores. This option is fine if you need vouchers, or when SmartBuy is not useful for your needs.]

Cashback – The Worst Option
[You can redeem points for cashback, but it gives the lowest value. One point equals only 0.30 rupee. This goes directly to your card account. It is better to avoid this, unless your points are about to expire or you really need cash.]

Here’s a simple spending plan to get the most from your HDFC Diners Club Black Metal card.

Annual Spending Plan

If you spend 8 lakh rupees in a year, you can even get your annual fee waived. The best way is to split it into two parts. In the first quarter, spend 4 lakh rupees on SmartBuy. This will give you 10,000 bonus points. In the second quarter, spend another 4 lakh on a mix of SmartBuy and other categories. That’s another 10,000 bonus points.

Here’s a clear breakdown. Spend about 1.5 lakh on SmartBuy 10X offers. Spend another 1.5 lakh on SmartBuy 5X offers. And put the last 1 lakh on weekend dining and regular spends.

Monthly Spending Plan

Every month, spend around 1.5 lakh on SmartBuy to get the full 10,000 bonus points. On weekends, spend 2 to 3 thousand rupees at restaurants to maximize the 2X dining benefit. For the rest of your monthly expenses, use the card for normal spends to earn the base 3.33% return.

Things That Don’t Earn Points

Some payments don’t give any reward points. These include fuel transactions, cash advances, wallet loading, EMI payments, government payments, and of course card fees and charges.

Mistakes to Avoid

Don’t spend more than the SmartBuy monthly cap, because you won’t get extra points. Don’t pay for dining through wallets, or you’ll miss the bonus. Don’t book golf without advance notice, or the booking may not work.

Wondering how to use Diners Club Black Metal Credit Card reward points for maximum value? In this video, I explain exactly how to use HDFC DCB Metal Credit Card reward points smartly. Learn the best ways to earn 10X, 5X, and 3X points on popular platforms like MakeMyTrip, Cleartrip, Myntra, PharmEasy, and more. I’ll also show you how to redeem reward points on SmartBuy for flights and hotels, use weekend dining offers, and transfer points to airline miles for premium travel. Watch till the end for practical hacks to save more with HDFC Diners Club Black Metal.

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