HDFC Diners Club Black
HDFC Bank · Diners Club
HDFC Diners Club Black offers 5X rewards, unlimited SmartBuy benefits, and premium lifestyle perks.
Annual Fee
₹10,000
Base Reward Rate
5X
Point Value
₹1/pt
Min CIBIL
750
Lounge Access
Domestic
Unlimited
International
6/year
Reward Rates by Category
Dining
10X
Travel
10X
Shopping
5X
Online
5X
Grocery
5X
Fuel
1X
Utilities
1X
Other
5X
Pros
- 5X points on travel & dining
- Unlimited lounge access
- Golf game access
- 10X rewards on SmartBuy
- Insurance benefits worth ₹2Cr+
Cons
- Diners network has limited acceptance
- High annual fee
- High income requirement
Redemption Options
Flight tickets
Best Value₹1/pt
Hotel bookings
Good₹0.85/pt
Amazon vouchers
Standard₹0.5/pt
Transfer Partners
Singapore Airlines KrisFlyer
2:1Marriott Bonvoy
1:1Club Vistara
2:1Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.
