HDFC Diners Club Black Credit Card

Key Features & Benefits

The HDFC Diners Club Black Credit Card stands out for its unmatched blend of luxury, convenience, and rewarding experiences tailored for high-income professionals and travel enthusiasts. With this card, users enjoy unlimited complimentary access to 1,000+ domestic and international airport lounges—a true game-changer for frequent flyers seeking comfort during travels. Every swipe is rewarding, thanks to accelerated rewards: earn 5 reward points on every ₹150 spent, up to 10X points on HDFC SmartBuy partners, and extra points for weekend dining, translating to real savings whether you book flights, hotels, or indulge in fine dining.

Key lifestyle perks include complimentary annual memberships to Club Marriott, Amazon Prime, Times Prime, Swiggy One, and MMT Black—covering hotel discounts, streaming, food delivery, and travel privileges for a seamless lifestyle. Those who spend ₹80,000 or more each month can pick premium monthly vouchers, turning regular high-value spending into tangible everyday rewards. The card also offers comprehensive protection with air accident insurance and emergency medical coverage overseas. All this comes with robust customer support, ensuring peace of mind and luxury benefits, making it the go-to choice for discerning users looking for elite perks, maximum reward rate, and holistic travel and lifestyle protection.

All You Need to Know About: HDFC Diners Club Black Credit Card

The HDFC Diners Club Black Credit Card is a premium credit card issued by HDFC Bank, designed for frequent travelers and high spenders seeking luxury and exclusive benefits. It operates on the Diners Club International network, offering global acceptance where Diners or Discover cards are accepted. The card carries a joining fee and annual renewal fee of ₹10,000 plus applicable taxes, which can be waived if you spend ₹8 lakh or more within the anniversary year.

This credit card rewards users with 5 reward points for every ₹150 spent on regular purchases and up to 10X points on partner spends through HDFC’s SmartBuy platform. Weekend dining earns 2X points, while categories like fuel, wallet loads, and rent payments do not earn rewards. In addition to earning points, cardholders receive complimentary annual memberships to premium services like Amazon Prime, Club Marriott, Times Prime, Swiggy One, and MMT Black. For monthly spends above ₹80,000, the card offers voucher benefits from platforms such as Uber, BookMyShow, TataCLiQ, and cult.fit.

Key travel benefits include unlimited complimentary access to over 1,000 domestic and international airport lounges for both primary and add-on cardholders. The card also provides comprehensive travel insurance, including air accident and emergency overseas hospitalization coverage. Its foreign currency markup fee is 2% plus GST on international transactions. Other fees include a 2.5% cash withdrawal fee on ATM usage, late payment fees, over-limit charges, payment return fees, and a reward redemption fee.

Ideal for high-income earners who spend significantly on travel, dining, and lifestyle, the HDFC Diners Club Black Credit Card offers unmatched rewards and luxurious perks. However, its high fees make it less suitable for moderate or low spenders. The card requires thorough documentation and income proof during application, and users can apply online through HDFC Bank’s credit card portal. Overall, this card combines elite benefits, robust insurance, and great reward potential for those who maximize its features.

Pros & Cons

How to Apply

1. Visit the official HDFC Bank credit cards page and select the Diners Club Black Credit Card.

2. Click on “Apply Online” or “Check Eligibility” to start the application process.

3. Fill in your personal and income details, upload required documents like KYC and income proof, and complete the Aadhaar-based eKYC verification or schedule a video KYC.

4. Submit the application and use the provided application number to track your application status online.

Detailed Fee Structure

The HDFC Diners Club Black Credit Card comes with a joining fee and annual renewal fee of ₹10,000 plus applicable taxes. The renewal fee is waived if you spend ₹8 lakh or more within the card anniversary year. There’s a cash withdrawal fee of 2.5% (minimum ₹500) on ATM withdrawals, along with a finance charge of 1.99% per month (23.88% per annum) on outstanding balances. Over-limit charges apply at 2.5% of the exceeded amount, subject to a minimum of ₹550. Late payment charges, payment return fees, and card re-issuance fees also apply as per HDFC Bank’s schedule. Reward redemption incurs a nominal fee of ₹99. Foreign currency transactions attract a markup fee of 2% plus GST. Add-on cards are provided free of charge for life. Understanding these fees helps ensure you maximize benefits without surprises

Who Should Get This Card?

The HDFC Diners Club Black Credit Card is best suited for frequent travelers and high-income professionals who value luxury and convenience. It’s ideal for individuals who spend ₹50,000 or more monthly and want to maximize rewards on travel, dining, and premium lifestyle services. This card appeals to those seeking unlimited airport lounge access, exclusive memberships, and comprehensive travel insurance. If you prefer elite perks, prioritize seamless international acceptance, and enjoy luxury experiences, this card offers unmatched value. It’s not recommended for low or moderate spenders due to its high fees and premium positioning.

Alternatives & Competitor Comparison

Feature	HDFC Diners Club Black Credit Card	Axis Bank My Zone Credit Card
Card Image
Card Network	Diners Club	Mastercard, RuPay, Visa
USP	A powerhouse premium credit card designed for frequent travelers and high spenders, the HDFC Diners Club Black offers unlimited worldwide airport lounge access, top-tier reward earnings, and exclusive lifestyle memberships—making it the ultimate choice for luxury, travel, and elite benefits in India	Axis Bank My Zone Credit Card is designed for lifestyle-savvy users who want maximum savings on dining, streaming subscriptions, bill payments, and online orders. Enjoy exclusive cashback offers, reward points on everyday spends, and hassle-free UPI transactions, making it a smart choice for millennials and frequent spenders seeking convenience and value.
Annual Fee	10000 Plus Apllicable Taxes	500 Lifetime free for select channels
Joining Fee	10000 Plus Apllicable Taxes	500 Lifetime free for select channels
Welcome Benefits	On paying the joining fee or spending ₹1.5 lakh within the first 90 days, you get complimentary annual memberships: Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), and MMT Black. As a monthly benefit, on spends of ₹80,000, you get to choose two vouchers per month worth ₹500 each from TataCLiQ, BookMyShow, Uber, or cult.fit	Complimentary SonyLiv Premium annual subscription worth ₹1,499 on your first card transaction within 30 days of issuance
Lounge Access	Domestic: Unlimited | International: Unlimited Applicable for primary and add-on card holders	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months
Reward Rate	5 reward points per ₹150 spent on regular purchases (approx. 3.3% value on travel bookings via SmartBuy), with up to 10X points on select partner spends, and 2X points on weekend dining; no points on fuel, wallet loads, rent, or select categories.	Earn 4 EDGE reward points for every ₹200 spent (reward rate ~0.4%).
Interest Rate	Revolving credit interest is roughly 3.6% per month (as per standard HDFC high-end card rates; confirm via latest schedule as HDFC does not state a unique rate for this card on every document).	3.75% per month (equivalent to approx. 46.78% per annum) on unpaid amounts and cash advances.
Best For	Dinning, Lounge Access, Travel	Food Ordering, Movies
Apply Now	Apply Now	Apply Now

Frequently Asked Questions