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HDFC Diners Club Black credit card
Super Premium

HDFC Diners Club Black

HDFC logo HDFC
9.4
CardTrail Score
Outstanding
out of 10
💰 Net Value
9.2
🔓 Accessibility
4.6
⚡ Feature Depth
7.3
🏦 Bank Trust
7.0
How we score →
Compare This Card Full Details
Annual Fee
₹10,000
Spend ₹5L/year
Forex Markup
1.99%
Reward Rate
3.3%
Up to 33%
Lounge Access
Unlimited
domestic | Unlimited intl

About This Card

The HDFC Diners Club Black rivals the Infinia in benefits but is more accessible. Unlimited lounge access, 3.3% base reward rate, and 10X on SmartBuy make it one of India's best cards. The only catch: Diners Club acceptance is limited at smaller merchants, though it's improving rapidly.

Pros & Cons

Pros

  • Unlimited lounge access worldwide
  • Excellent 3.3% base reward rate
  • Fee waiver at ₹5L achievable
  • 10X on SmartBuy = up to 33%

Cons

  • Diners Club not accepted everywhere in India
  • ₹10K annual fee
  • Need HDFC relationship for approval

Fee Details

Annual Fee
₹10,000
Joining Fee
₹10,000
Fee Waiver Condition
Spend ₹5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
3.3%
Max Rate
33%
Currency
Reward Points
Welcome Bonus
10,000 Reward Points

Lounge Access

Domestic Lounges
Unlimited
International Lounges
Unlimited

Key Highlights

  • + Unlimited lounge access
  • + 3.3% base reward rate
  • + 10X on SmartBuy
  • + Complimentary golf & Club Marriott

Compare With...

See how HDFC Diners Club Black stacks up against top alternatives

HDFC Diners Club Metal Edition card
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9.3
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9.1
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CRED RuPay Credit Card card
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Quick Summary

Best For
travel luxury
Annual Fee ₹10,000
Base Reward 3.3%
Max Reward 33%
Forex Markup 1.99%
Network Diners Club
Min Income ₹15L+
Compare This Card

CardTrail Score

9.4
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel luxury dining

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