Diners Club 📡 Contactless NFC

HDFC Bank Diners Club Black Credit Card

Joining Fee₹10,000

Annual Fee₹10,000

Forex Markup 2%

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⚖️ Card Verdict & Target Persona

Who Should Apply

High-income earners and luxury travelers seeking 3.33% to 33.3% reward returns, 1:1 air mile conversions, unlimited global airport lounge access, and golf privileges.

Who Should Avoid

Users shopping primarily at offline POS terminals with limited Diners Club acceptance or those seeking direct cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

10,000 Reward Points upon payment of joining fee and realization + annual memberships of Club Marriott, Amazon Prime, and Swiggy One on ₹1.5L spend in 90 days

Up to 10X Rewards on SmartBuy

Earn 5 Reward Points per ₹150 (3.33% return) on retail spends and up to 10X Reward Points (up to 33.3% valueback) via SmartBuy.

Unlimited Global Airport Lounge Access

Unlimited complimentary domestic and international airport lounge access worldwide for primary and add-on cardholders.

Premium Lifestyle & Travel Memberships

Complimentary annual memberships of Club Marriott, Amazon Prime, and Swiggy One on spending ₹1.5 Lakhs in first 90 days.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹1

Standard Base Earning

5 Reward Points per ₹150 spent on regular retail transactions (3.33% return; 1 RP = ₹1.00 for flights/hotels)

Accelerated / Partner Rate

Up to 10X Reward Points (up to 33.3% return) on SmartBuy travel bookings and partner brand purchases (capped at 10,000 points/month); 2X Reward Points (10 points per ₹150) on weekend dining

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: SmartBuy Flights & Hotel Bookings (1 RP = ₹1.00, up to 70% of booking value), 1:1 Frequent Flyer Air Mile Transfers (Air India, KrisFlyer, InterMiles), Apple Products & Tanishq Vouchers via SmartBuy (1 RP = ₹1.00), Direct Statement Cash Credit (1 RP = ₹0.30)

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Diners Club / Priority Pass for primary and add-on cardholders

⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹500,000/yr

Annual renewal fee of ₹10,000 + GST is waived off on spending ₹5,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Diners Club network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹10,000 (Capped at ₹1000/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹175,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.99% per month (23.88% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the HDFC Bank Diners Club Black Credit Card

Annual Fee: ₹10,000/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, HDFC Bank Diners Club Black Credit Card has a joining fee of ₹10000 and an annual renewal fee of ₹10000 (plus applicable taxes).

HDFC Bank Diners Club Black Credit Card ₹10,000/yr