HDFC Diners Club Black
Fees
₹10,000 + Taxes
Joining & AnnualReward 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 Access
Unlimited Domestic + International
FindMyCard 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.
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
Editorial Verdict
The HDFC Diners Club Black is ideally suited for premium luxury, travel & high reward redemption. If you want 5 reward points per ₹150 on retail; up to 10x via hdfc smartbuy; 2x on weekend dining, this card delivers real value. The ₹10,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Excellent (750+), Salaried ₹2.5 Lakh/month or ITR ₹30 Lakh/annum credit to be approved.
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
🚀 Milestone Spends Timeline
Annual fee waived on annual retail spends of ₹8 Lakh
Fees & Charging Rates
Annual Fee Waivers
₹10,000 + Taxes
💡 Annual fee waived on ₹8 Lakh annual retail spends
Regular Interest Charges
1.99% per month (23.88% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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 |