HDFC Diners Club Black
Fees
₹10,000 + Taxes
Joining & annual
Reward Rate
5 reward points per ₹150 on retail; up to 10X via HDFC SmartBuy; 2X on weekend dining
Welcome Bonus
Complimentary Club Marriott, Amazon Prime & Swiggy One membership on joining
Lounge
Unlimited Domestic + International
Our Expert Take
Diners Club Black is one of HDFC's most reward-dense premium cards: unlimited lounge access worldwide, up to 10X points through SmartBuy, and a straightforward 1 point equals ₹1 redemption for flights and hotels. The ₹10,000 fee is steep, but the ₹8 lakh spend threshold to waive it is achievable for the high-spending audience this card targets.
Reward limits
Checked 27 Sep 2026 · Bank terms
-
5 points per ₹150, 2X on weekend dining at standalone restaurants
No published limit
No rewards on: Fuel, rent, government, wallet loads, EMI
Pros & Cons
Key Advantages
- Unlimited complimentary airport lounge visits worldwide (primary + add-on)
- Up to 10X reward points via HDFC SmartBuy platform
- 6 complimentary golf games every quarter globally (24/year)
- 1 point equals ₹1 when redeemed for air miles or hotel bookings, among the best redemption rates available
- Complimentary Club Marriott, Amazon Prime & Swiggy One membership
Limitations
- ₹10,000 annual fee, a high cost of ownership
- Requires very high income (₹2.5 Lakh/month for salaried)
- Best reward rates are only available through the HDFC SmartBuy portal
- Diners Club acceptance lower than Visa/Mastercard internationally
Key Perks & Spending Milestones
Unlimited complimentary airport lounge visits worldwide (primary + add-on cardholders)
Reduced foreign exchange mark-up fee of 2%
Diners Club privileges including priority check-in and luggage assistance
Complimentary Club Marriott membership on joining
Complimentary Amazon Prime subscription
Complimentary Swiggy One membership
5 reward points per ₹150 retail spend
Up to 10X reward points via HDFC SmartBuy platform
2X reward points on weekend dining spends
1 Reward Point = ₹1 for flights & hotels via SmartBuy (1:1 ratio)
6 complimentary golf games every quarter globally (24/year)
Flat 10% extra discount on dining via Swiggy Dineout
Air accident cover up to ₹2 Crore
Emergency overseas medical cover up to ₹50 Lakh
Baggage delay cover up to ₹55,000
Spend milestone
Annual fee waived on annual retail spends of ₹8 Lakh
Fees & Charges
Joining fee
₹10,000 + Taxes
Annual fee
₹10,000 + Taxes
Annual fee waived on ₹8 Lakh annual retail spends
Interest rate
1.99% per month (23.88% per annum)
Late payment fee
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹2 Crore
Eligibility Criteria
salaried minimum income
₹2.5 Lakh per month
self employed ITR
₹30 Lakh per annum
age
21 to 65 years
employment profiles
Salaried and Self-Employed
Credit score & income
Excellent (750+), Salaried ₹2.5 Lakh/month or ITR ₹30 Lakh/annum
Frequently Asked Questions
Does HDFC Diners Club Black have unconditional lounge access?
What's the reward rate on HDFC Diners Club Black?
Who is eligible for HDFC Diners Club Black?
Compare HDFC Diners Club Black With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC Diners Club Black This Card | ₹10,000 + Taxes | 5 reward points per ₹150 on retail; up to 10X via HDFC SmartBuy;... | Unlimited Domestic + International | 4.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |