Housing Development Finance Corporation

HDFC Diners Club Black Credit Card

Airport Lounge Access

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹10000* Plus Applicable Taxes

Renewal Fee: ₹10000*Plus Applicable Taxes

Airport Lounge Access

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹10000* + Tax

Renewal Fee: ₹10000* + Tax

Airport Lounge Access

Unlimited domestic and international visits

Reward Points

3.33% value-back across all spends

Travel

Memberships to Marriott, Amazon, & more

Welcome benefits:- Complimentary Annual memberships* of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One on spending Rs. 1.5 Lakh within the first 90 days or upon first-year fee realization.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About HDFC Diners Club Black Credit Card

The HDFC Diners Club Black Credit Card is one of the most prestigious premium cards in India and a strong alternative to the invite-only HDFC Infinia Credit Card. While it offers benefits across lifestyle, dining, golf, and shopping, its core strength lies in travel privileges.

With a flat 3.33% reward rate on all spends and up to 33% back on HDFC SmartBuy portal purchases, it surpasses many premium competitors such as Axis Magnus and ICICI Emeralde Private. The 1:1 redemption ratio for flight and hotel bookings, as well as seamless point-to-mile conversion, make it especially rewarding for frequent flyers. Adding to its appeal are unlimited international lounge access for both primary and add-on members, a low forex mark-up, and unmatched travel benefits that make this card ideal for global travellers.

HDFC Diners Club Black Credit Card Rewards Program

Reward Earning

Earn 5 Reward Points per ₹150 spent across all retail categories.
Get up to 10X Reward Points on transactions made via the HDFC SmartBuy platform.

Reward Redemption

Flights & Hotels via SmartBuy – 1 RP = ₹1.
Air Miles Conversion – 1 RP = 1 Air Mile with select partners.
Vouchers & Products (Rewards Catalogue) – 1 RP = up to ₹0.50.
Cashback – 1 RP = ₹0.30.

Airline & Hotel Transfer Partners

1 RP = 1 Partner Mile/Point

SpiceClub (SpiceJet)
AirAsia
Finnair Plus (Avios)
Flying Blue (Air France/KLM)
Hainan Airlines Fortune Wings Club
IHG One Rewards
Vietnam Airlines LotusMiles
Wyndham Rewards

1 RP = 0.5 Partner Mile/Point

Club ITC Green Points
Aeroplan (Air Canada)
ALL – Accor Live Limitless
Avianca LifeMiles
British Airways Executive Club
Etihad Guest
Turkish Airlines Miles&Smiles
United MileagePlus

Other Features and Benefits

Welcome Benefits

Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite, and 3-month Swiggy One.
Available on spending ₹1.5 lakh within the first 90 days or upon first-year fee realization.
Memberships renewed every year on spending ₹8 lakh annually.

Monthly Milestone Benefits

Get 2 vouchers worth ₹500 each month (cult.fit Live, BookMyShow, TataCLiQ, or Ola) on spends of ₹80,000.

Golf Privileges

6 complimentary golf games per quarter at premium golf courses worldwide.

Travel Benefits

Unlimited airport lounge access worldwide for both primary and add-on cardholders.
Low forex markup fee of 2%.
Priority check-in & baggage assistance with Fast Track Airport Experience.

Dining Benefits

Flat 10% extra discount on restaurant bills via Swiggy Dineout.
Exclusive dining offers at select fine-dine restaurants.

Insurance Benefits

Air accidental coverage: ₹2 Crore.
Emergency overseas hospitalization: ₹50 Lakh.
Credit liability cover: ₹9 Lakh.
Travel insurance: Up to ₹55,000 on baggage delay (capped at $10/hr up to 8 hrs).

Fuel Surcharge Waiver

1% waiver on fuel transactions between ₹400–₹5,000.
Maximum waiver: ₹1,000 per statement cycle.

Other Privileges

Discounts at premium spas, salons, gyms, and lifestyle brands (Tattva Spa, Sarva Yoga, Neemrana Hotels, etc.).
24×7 Concierge Service for reservations, car rentals, golf course bookings, and more.

Fees and Charges

Type of Fees and Charges	Amount
Joining fee	Rs.10,000
Renewal fee	Rs.10,000
Minimum repayment amount	5% or a maximum of Rs.200
Cash withdrawal fee	2.5% of the withdrawn amount (Minimum Rs.500)
Rewards redemption fee	Rs.99
Add-on cards charges	Lifetime Free
Foreign currency mark-up fee	1.99%
Late payment charges	Less than equal to Rs.100 - Nil Rs.101 to Rs.500 - Rs.100 Rs.501 to Rs.1,000 - Rs.500 Rs.1,001 to Rs.5,000 - Rs.600 Rs.5,001 to Rs.10,000 - Rs.750 Rs.10,001 to Rs.25,000 - Rs.900 Rs.25,001 to Rs.50,000 - Rs.1100 More than Rs.50,000 Rs.1300
Over limit charges	2.5% of the over the limit amount (Min. of Rs.550)
Cash processing fee	Rs.100 per transaction
Payment return charges	2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges	Rs.100 per instance

Things to Know Before you apply

Get this card if:

You are a frequent traveller who wants to save significantly on flight and hotel bookings.
You prefer all-in-one premium benefits (travel, dining, golf, lifestyle) on a single card rather than juggling multiple cards.
You can spend ₹80,000+ per month to unlock the monthly milestone vouchers.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For HDFC Diners Club Black Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC Diners Club Black Credit Card Hilights

What do we like about this card?

Complimentary annual memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite as welcome benefits, renewed on annual spends of ₹8 Lakh.
Vouchers from Ola, TataCliQ, BookMyShow, or cult.fit on monthly spends of ₹80,000 or more.
Earn 5 Reward Points per ₹150 spent (≈3.3% back), 10X points on SmartBuy/partner brands, and 2X on weekend dining.
6 complimentary golf games per quarter at premium global courses.
Unlimited airport lounge access at 1,000+ domestic and international lounges.
Low forex markup fee of 2% on international transactions.
Extensive travel insurance, including air accident cover worth ₹2 Crore.

Pros

Unlimited domestic & international lounge access for both primary and add-on users.
6 complimentary golf games per quarter.
Multiple complimentary memberships (Amazon Prime, Times Prime, Club Marriott, etc.).
Low forex markup fee of 2% (vs. standard 3.5%).

Cons

Complimentary memberships are renewed only on annual spends of ₹8 Lakh+.
Forex markup fee of 2%, though lower than standard, could be more competitive for a premium card.

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712

Frequently Asked Questions

Everything you need to know about this credit card

The annual fee is ₹10,000 + taxes. It can be waived on spends of ₹5 Lakh in the preceding year.

On fee payment or spends of ₹1.5 Lakh in the first 90 days, you get complimentary memberships like Amazon Prime, Times Prime, Club Marriott, Swiggy One, and MMT Black Elite.

You earn 5 Reward Points per ₹150 spent (≈3.3% back), with 10X points on SmartBuy/partner brands and 2X points on weekend dining.

1 Reward Point = ₹1 when redeemed for travel bookings via SmartBuy or for Air Miles transfer (1:1 with top airline/hotel partners).

Yes, you get unlimited complimentary access to over 1,000 airport lounges worldwide for both primary and add-on users.

Yes, 6 complimentary golf games per quarter across premium golf courses globally.

The card offers up to ₹2 Crore air accidental cover, ₹50 Lakh overseas hospitalization, and baggage delay/loss cover.

Yes, 1% waiver on fuel transactions between ₹400–₹5,000, capped at ₹1,000 per statement cycle.