Diners Club Black
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HDFC Bank

Diners Club Black

Diners Club
PremiumInvite only

Your rating

Community rating

Best for Travel and lifestyle benefits

Joining Fee

₹10,000

Annual Fee

₹10,000

Reward Rate

—

Forex Markup

2%

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Key Benefits

5 Reward Points per ₹150 on eligible retail spends
Up to 10X Reward Points on SmartBuy flight & hotel bookings
Unlimited domestic and international airport lounge access for primary and add-on members
Complimentary Priority Pass membership included
Complimentary golf games and golf lessons every month
Annual memberships like Swiggy One, Amazon Prime & Times Prime on eligible spends
Low forex markup fee of 2% on international transactions
1% fuel surcharge waiver on eligible fuel transactions
Annual fee waiver on ₹8 lakh annual spends

Rewards

How you earn back on every swipe

points

Reward type

3.33

Points / ₹100

₹1

Per point

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹10,000
Annual fee₹10,000
Fee waiver on annual spend₹5,00,000
Interest-free period50 days
Interest rate (APR)23.88%
Cash advance fee23.88%
Forex markup2%
Fuel surcharge waiverYes

Travel & Lounge Access

Airport perks included with this card

Priority Pass

Included with this card

DreamFolks

Lounge access via DreamFolks

Things to Keep in Mind

  • EMI transactions are not eligible for 2X Rewards on weekend dining
  • Wallet payments are not eligible for reward points

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65

Employment type

SalariedSelf employed

Invite only — You typically need an existing relationship with HDFC Bank to get this card.

Pros & Cons

Pros
  • One of the best travel and lifestyle cards in India
  • Excellent SmartBuy reward acceleration
  • Unlimited lounge access for both primary and add-on users
  • Strong airline and hotel transfer partners
  • Premium golf, dining, and lifestyle benefits
  • Good redemption flexibility for travel users
  • Low forex markup improves international usability
  • High reward potential for high spenders
Cons
  • Very high annual fee of ₹10,000 + GST
  • Diners Club acceptance can still be inconsistent at some merchants
  • Best value depends heavily on SmartBuy usage
  • Reward structure is complex for beginners
  • Annual fee waiver milestone is high
  • Reward exclusions on rent, wallet loads, fuel & government spends
  • Overkill for low or moderate spenders

Who is this card for?

Existing HDFC premium banking customers with high monthly spends who want the top-tier dining, travel, and lifestyle benefits available on the Diners Club network.

Quick Links

View on bank website

Data last updated 18 Mar 2026

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