HDFC Diners Club Black

What is HDFC Diners Club Black Credit Card?

The HDFC Diners Club Black is a super-premium credit card from HDFC Bank operating on the Diners Club International network. It's positioned as one of the top-tier offerings alongside HDFC Infinia, catering to high-net-worth individuals with significant spending capacity.

The card features a distinctive black design and comes with a floor limit of Rs.4 Lakhs, making it suitable for high-value transactions. While Diners Club has limited merchant acceptance compared to Visa/Mastercard, it's widely accepted at premium establishments, airports, hotels, and most modern retail outlets.

Key Benefits of HDFC Diners Club Black

• Unlimited Lounge Access: Complimentary access to 1,300+ airport lounges worldwide for primary and all add-on cardholders through the Diners Club lounge program
• 10X Rewards on SmartBuy: Earn 50 reward points per Rs.150 on flight and hotel bookings via HDFC SmartBuy portal
• Base Rewards: 5 Reward Points per Rs.150 spent on all other retail transactions (3.33% value)
• Rs.1 Per Point Redemption: Industry-best redemption value on SmartBuy for flights and hotels
• 2X Weekend Dining: Double reward points on dining at participating restaurants on weekends
• Complimentary Golf: 6 games per quarter (24 annually) at 150+ premium courses in India and worldwide
• Low Forex Markup: Only 2% foreign currency markup - among the lowest in India

Milestone Benefits

Annual Spend Milestone (Rs.8 Lakhs)

Spend Rs.8 Lakhs in your card anniversary year and receive complimentary annual memberships worth over Rs.15,000:

• Club Marriott: Annual membership (worth Rs.4,500+)
• Times Prime: Annual membership (worth Rs.1,199)
• Amazon Prime: Annual membership (worth Rs.1,499)
• Swiggy One: 3-month subscription
• MMT BLACK: MakeMyTrip premium membership

Quarterly Spend Milestone

Spend Rs.80,000 or more in a quarter and receive 2 vouchers worth Rs.500 each from:

• Tata CLiQ
• Uber
• BookMyShow
• Cult Fit

Annual Fee Waiver

The Rs.10,000 annual fee is completely waived if you spend Rs.5 Lakhs or more in the membership year.

Airport Lounge Access

The HDFC Diners Club Black offers unlimited complimentary lounge access to over 1,300 lounges worldwide through the Diners Club lounge program.

Key Highlights

• Unlimited visits for primary cardholder
• Unlimited visits for all add-on cardholders
• Access to both domestic and international lounges
• No quarterly or annual caps on lounge visits

How to Access

Simply present your HDFC Diners Club Black card at participating lounges. For international lounges, you can also use the Diners Travel Tool app to locate lounges and check access eligibility.

This unlimited lounge benefit makes the Diners Club Black one of the most valuable cards for frequent travelers in India.

Rewards Program

Earning Structure

• Base Rate: 5 Reward Points per Rs.150 spent
• SmartBuy (10X): 50 Reward Points per Rs.150 on flights and hotels
• Weekend Dining (2X): 10 Reward Points per Rs.150 at participating restaurants

Redemption Values

Redemption Limits

Reward points can cover up to 70% of booking value on SmartBuy. The remaining amount must be paid via credit card.

Points Validity

Reward points are valid for 3 years from the date of earning.

Exclusions

No reward points on: Fuel transactions, rent payments, government transactions, wallet loads, EMI transactions, and card fee payments.

Fees & Charges

Eligibility Criteria

Note: HDFC Bank is currently NOT accepting new applications for Diners Club Black. The card is only available through upgrade from Diners Club Privilege or bank invitation.

For Salaried Individuals (Private Sector)

• Monthly Income: Rs.2,50,000 or more
• Age: 21 to 60 years

For Salaried Individuals (Government)

• Monthly Income: Rs.1,75,000 or more
• Age: 21 to 60 years

For Self-Employed

• Annual ITR: Rs.30 Lakhs or more
• Age: 21 to 65 years

Other Requirements

• Indian citizenship
• Excellent credit score (750+)
• Floor limit: Rs.4 Lakhs

Documents Required

Identity Proof (Any One)

• Passport
• Aadhaar Card
• Voter ID
• PAN Card

Address Proof (Any One)

• Passport
• Aadhaar Card
• Utility Bills (within 3 months)
• Rental Agreement

Income Proof

• Salaried: Latest 3 months salary slips, 6 months bank statement, Form 16
• Self-Employed: 2 years ITR, 12 months bank statements, business registration

How to Get HDFC Diners Club Black

Important: HDFC Bank is currently NOT accepting fresh applications for Diners Club Black. Here are the alternative ways to obtain this card:

1. Upgrade from Diners Club Privilege

If you hold an HDFC Diners Club Privilege card with good spending history, you may be eligible for an upgrade. Contact HDFC Bank customer care or your relationship manager to check upgrade eligibility.

2. Bank Invitation

HDFC Bank occasionally sends invitation offers to high-value customers with significant banking relationships. Maintain a strong NRV (Net Relationship Value) with HDFC Bank to increase your chances.

3. Salary Account Upgrade

Premium salary account holders with select corporate relationships may receive upgrade offers. Check with your company's HR or HDFC Bank representative.

Final Verdict

The HDFC Diners Club Black is an exceptional super-premium credit card that delivers outstanding value for high spenders and frequent travelers. With unlimited lounge access, Rs.1 per point redemption, 24 complimentary golf games annually, and a suite of premium memberships, it offers benefits worth significantly more than its Rs.10,000 annual fee.

Best for: High-income individuals who travel frequently, value lounge access, and can spend Rs.5L+ annually to waive the fee. Ideal as a secondary premium card alongside a Visa/Mastercard for broader acceptance.

Skip if: You need a card for everyday small purchases (Diners acceptance is limited), can't meet the high eligibility requirements, or prefer a card with welcome bonuses.

If you can obtain this card through upgrade or invitation, it's one of the best premium cards available in India for travel and lifestyle benefits.