The HDFC Diners Club Black Credit Card is a premium credit card issued by HDFC Bank on the Diners Club International network. It is designed for individuals with a monthly income of Rs. 1.75 lakh or above who seek premium travel and lifestyle benefits.

• Card Network: Diners Club International
• Card Type: Premium Rewards Card
• Annual Fee: Rs. 10,000 + GST (waivable on Rs. 5 lakh annual spend)
• Reward Rate: 5 Reward Points per Rs. 150 spent (3.3% base rate)
• Best For: Frequent travellers, dining enthusiasts, and those who can maximize SmartBuy rewards

Earn 5 Reward Points for every Rs. 150 spent on retail purchases, translating to an effective reward rate of 3.3%. On the SmartBuy portal, earn up to 10X Reward Points on flights and hotels, making it one of the highest reward-earning cards in its segment.

Weekend Dining

Get 2X Reward Points on dining transactions made on Saturdays and Sundays at participating restaurants, doubling your rewards to 6.6% on weekend dining.

Airport Lounge Access

Enjoy unlimited complimentary access to over 1,000 airport lounges across India and internationally. Both primary and add-on cardholders get this benefit.

Golf Privileges

Get 6 complimentary golf games per quarter at premium golf courses worldwide, along with a dedicated golf concierge for bookings and cancellations.

Complimentary Memberships

Receive annual memberships of Amazon Prime, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Gold Tier, and Times Prime on spending Rs. 1.5 lakh within 90 days.

Insurance Coverage

Comprehensive travel insurance including Rs. 2 crore air accident cover, Rs. 50 lakh emergency overseas hospitalization, Rs. 9 lakh credit liability cover, and Rs. 55,000 baggage delay cover.

Low Forex Markup

A competitive foreign currency markup of just 2% + GST on international transactions, lower than the industry standard of 3.5%.

On spending Rs. 1,50,000 within the first 90 days of card issuance (or upon realization of joining fee), you receive:

• Complimentary Amazon Prime annual membership
• Complimentary Club Marriott annual membership
• Complimentary Swiggy One membership (3 months)
• Complimentary MakeMyTrip Black Gold Tier
• Complimentary Times Prime annual membership

Monthly Milestone Benefits

On spending Rs. 80,000 per month, choose any 2 vouchers worth Rs. 500 each from:

• BookMyShow
• Tata CLiQ
• Ola Select Membership
• cult.fit Live

Annual Renewal Benefits

On spending Rs. 8 lakh in an anniversary year, all welcome benefit subscriptions (Amazon Prime, Club Marriott, Times Prime, Swiggy One, MakeMyTrip Black) are renewed at no additional cost.

Fee Waiver

The annual fee of Rs. 10,000 is waived on spending Rs. 5 lakh within 12 months from card issuance.

The HDFC Diners Club Black Credit Card offers one of the most generous lounge access programs among Indian credit cards.

Domestic Lounges

• Unlimited complimentary visits to domestic airport lounges across India
• Access via Diners Club lounge network
• Available for both primary and add-on cardholders

International Lounges

• Unlimited complimentary visits to international airport lounges
• Access to 1,000+ lounges worldwide through the Diners Club network
• Available for both primary and add-on cardholders

Note: Guest access may be subject to charges. Lounge access is complimentary for cardholders only.

The HDFC Diners Club Black Credit Card earns 5 Reward Points for every Rs. 150 spent on retail purchases, giving a base reward rate of 3.3%.

Accelerated Rewards

• 10X Reward Points on SmartBuy portal (flights and hotels) - capped at 75,000 points/month
• 2X Reward Points on weekend dining (Saturday and Sunday)

Reward Caps

• Utility and Telecom: Maximum 2,000 points per month
• Grocery: Maximum 2,000 points per month
• Insurance: Maximum 5,000 points per month

Excluded Categories

No reward points on fuel, e-wallet reloads, rent payments, EMI transactions, and government/educational expenses.

Reward Redemption

Note: For SmartBuy flight and hotel bookings, only 70% of the total payment can be made using Reward Points.

Points Validity

Reward Points are valid for 3 years from the date of the transaction.

• Salaried: Net monthly income of Rs. 1.75 lakh or above
• Self-Employed: Minimum Income Tax Returns of Rs. 21 lakh per annum

Age Criteria

• Salaried: 21 to 60 years
• Self-Employed: 21 to 65 years

Credit Score

• CIBIL score of 750 or above is recommended

Other Requirements

• Indian resident with valid KYC documents
• Existing HDFC Bank relationship may improve approval chances

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID
• Driving Licence

Address Proof (any one)

• Aadhaar Card
• Passport
• Utility bill (not older than 3 months)
• Bank statement (last 3 months)
• Rent agreement with utility bill

Income Proof

• Salaried: Latest 3 months salary slips, Form 16, last 6 months bank statement
• Self-Employed: Last 2 years ITR, last 6 months bank/current account statements, business proof

Photograph

• Recent passport-size photograph

1. Visit the HDFC Bank official website
2. Navigate to Credit Cards section and select Diners Club Black
3. Click on "Apply Now" and fill in personal and income details
4. Upload required documents (income proof, identity, address proof)
5. Submit the application and note your reference number
6. Track application status online or call customer care

Branch Application

1. Visit your nearest HDFC Bank branch
2. Request the Diners Club Black credit card application form
3. Fill in all required details and attach supporting documents
4. Submit the completed form to the branch representative

Upgrade Path

Existing HDFC Bank credit card holders may be eligible for an upgrade based on their spending pattern and credit history. Contact HDFC Bank customer care at 1800 266 4332 for upgrade requests.

The HDFC Diners Club Black Credit Card is an excellent premium credit card that punches well above its weight for the Rs. 10,000 annual fee. The combination of unlimited airport lounge access, 10X SmartBuy rewards, complimentary subscriptions, and comprehensive travel insurance makes it one of the best-value premium cards available in India.

The card is ideal for frequent travellers, golf enthusiasts, and those who can maximize rewards through SmartBuy bookings. The Rs. 5 lakh annual spend threshold for fee waiver is realistic for the target income segment. However, the limited Diners Club network acceptance, especially in Europe and parts of Asia, remains a notable drawback. Those who travel extensively to regions with limited Diners acceptance should consider pairing this with a Visa or Mastercard.