HDFC BankDiners Club Black
The HDFC Bank Diners Club Black Credit Card is HDFC's ultra-premium offering on the Diners Club network.
Top Category Performance
Premium Privileges (97/100)
Joining Fee
₹10,000
Annual Fee
₹10,000
Reward Rate (%)
3.3 – 10
Forex Markup
2%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Diners Club Black Benefits
Diners Club Black Rewards
How you earn back on every swipe
points
Reward type
3.3% – 10%
Earn rate
3.33
Points / ₹100
₹1
Per point
Diners Club Black 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.
Diners Club Black 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹41,667/mo (₹5,00,004/yr), your ₹10,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Diners Club Black Eligibility
Employment type
Invite only — You typically need an existing relationship with HDFC Bank to get this card.
Pros & Cons
- 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
- 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
Data last updated 14 Aug 2026
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Calculate your exact earnings with Diners Club Black
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.