LifestyleSuper-premiumDiners Club

HDFC Diners Club Black Credit Card

Premium travel and dining with bundled luxury memberships

Annual fee₹10,000Waived on ₹5.0L spend

Rewards3.33%Assumes SmartBuy flight/hotel booking (offers.smartbuy.hdfcbank.com/diners): HDFC-stated primary path 1 RP = Rs.1, max 70% of booking via points. Catalogue only ~Rs.0.50.

Forex markup2%2% on all your foreign currency spends. (These charges will be billed on your subsequent statement within 60 days from date of visit. Currency conversion rate is applicable as on the date of settlement)

No longer offered

HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Not open to new applicants · kept here for reference

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Welcome benefits

Complimentary Annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK on 8 Lac spends in anniversary year

Rewards

Base earn rate

Earn 5 Reward Points for every ₹150/- spent

Category	Rate	Cap
Weekend Dining	2X	—
Smartbuy Hotels Flights	10X	—

• Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
• Redemption fee: ₹99

Milestone benefits

Spend INR 80,000 or more to avail 2 voucher worth INR 500 from Tata Cliq, Uber, Book My Show or Cult Fit. Complimentary Annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK on 8 Lac spends in anniversary year.

Fees & charges

Joining fee: ₹10,000 plus Applicable Taxes
Annual / renewal fee: ₹10,000 plus Applicable Taxes
Annual fee waiver: On annual spends of ₹5 lakh, get ₹10,000 renewal fee waived off on your Diners Club Black Credit Card
Interest rate: Enjoy Revolving Credit on your Diners Club Black Credit Card at nominal interest rate. Refer to the Fees and Charges section, to know more.
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 2% on all your foreign currency spends. (These charges will be billed on your subsequent statement within 60 days from date of visit. Currency conversion rate is applicable as on the date of settlement)
DCC markup: 2%
Reward redemption: ₹99 per redemption

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

Insurance covers

Air accident

Air Accident Insurance

Fraud liability

Protection against fraudulent transactions made on your Credit Card*

Eligibility

Salaried: minimum ₹1,75,000/month income. Self-employed: 2+ years of filed ITR showing equivalent annual income. Age 21–65. CIBIL 700+ recommended. Self-employed: minimum ₹21 lakh ITR.

Features

✓ Contactless✓ International usage

Additional features

Diners Travel Tool App

Card management via MyCards.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Weekend dining — 6.67% back

0% of spend100% of spend

Remaining 80% of spend earns the 3.33% base rate.

Rewards / year

₹23,988

≈ 4.00% effective

Annual fee

₹10,000

no published waiver

Net steady-state return

+₹13,988/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹13,988 a year.

No longer offered

One-time joining fee (year 1 only): ₹10,000

One-time welcome benefit — Complimentary Club Marriott/Amazon Prime/Swiggy One memberships on Rs.1.5 lakh spend within 90 days; 10,000 bonus RP on Rs.4 lakh/quarter

Up to 33.3% via SmartBuy portal (Upto 10X via SmartBuy (cap not confirmed first-hand)) — cap not published, so not included in the estimate.

Based on published rates as of 2026-08-07; assumes SmartBuy flight/hotel booking (offers.smartbuy.hdfcbank.com/diners): HDFC-stated primary path 1 RP = Rs.1, max 70% of booking via points. Catalogue only ~Rs.0.50.. Rewards estimates, not guarantees.