HDFC Diners Club Black credit card

HDFC Diners Club Black

HDFC Bank · Diners Club

HDFC Diners Club Black is a premium invite-only card with unlimited lounge access via the Diners Club network, 10X rewards on SmartBuy and generous quarterly milestones. The Rs.10,000 annual fee is waived at Rs.5 Lakh spend — unusual for this tier. Best suited for high-spenders who want lounge access and significant reward acceleration.

Annual Fee

₹10,000

Joining Fee

₹10,000

Base Reward Rate

5X

₹1/pt

Min CIBIL

750

₹15L+ income

Key Features

Unlimited lounge access — domestic and international via Diners Club
10X reward points on HDFC SmartBuy portal
Annual fee waived at Rs.5 Lakh spend
Quarterly milestone: 25,000 RP on Rs.3 Lakh quarterly spend
Annual milestone: 15,000 RP on Rs.8 Lakh spend
Air accident cover Rs.2 Crore
Golf access at 1,000+ courses globally
Points transfer to 15+ airline and hotel programs

Welcome Benefits

✓

10,000 Welcome Reward Points

Earn 10,000 reward points on first spend within 90 days. Worth Rs.5,000 at catalogue value or more via transfers.

Reward Rates by Category

Dining

10X

Travel

10X

Online

5X

Shopping

5X

Grocery

5X

Fuel

1X

Utilities

1X

Other

5X

Partner Earn Rates

PartnerCategoryEarn Rate
HDFC SmartBuy — All BookingsTravel & Shopping10X

Milestone Benefits

₹3.0 L

25,000 Reward Points

Earn 25,000 bonus reward points on spending Rs.3 Lakh in each calendar quarter. This is the most valuable recurring milestone.

Quarterly

₹8.0 L

15,000 Reward Points

Additional 15,000 bonus points on crossing Rs.8 Lakh annual spend.

Annual

Airport Lounge Access

Domestic

Unlimited

International

6 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air with ticket on card.

Rs.2 Crore

Emergency Overseas Medical

Medical emergencies while travelling internationally.

Rs.50 Lakh

Lost Card Liability

Protection against fraudulent transactions.

Rs.9 Lakh

Eligibility Criteria

Age

21–65 years

Salaried Income

₹35.0 L+ per year

Self-Employed

₹40.0 L+ ITR

Min CIBIL Score

780+

Invite-only. Typically offered to HDFC Imperia customers and high-income earners (Rs.35L+ salary). Strong credit profile and existing HDFC relationship required.

Pros

  • Unlimited domestic and international lounge access via Diners Club
  • 10X rewards on HDFC SmartBuy (flights, hotels, shopping)
  • Fee waived at Rs.5 Lakh — achievable at Rs.42K/month
  • Quarterly milestone bonuses: 25,000 RP on Rs.3L quarterly spend
  • Air accident cover Rs.2 Crore + overseas medical Rs.50 Lakh
  • Golf at 1,000+ courses worldwide
  • Concierge and dining privileges at select restaurants

Cons

  • Invite-only — not available on direct application
  • Diners Club acceptance is lower than VISA or Mastercard in India
  • Fuel and rent transactions excluded from milestone calculations
  • Some rewards have annual earning caps
  • International utility sometimes limited by Diners network

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

2:1

Marriott Bonvoy

1:1

Club Vistara

2:1

Frequently Asked Questions

How do I get the HDFC Diners Club Black card?+
HDFC Diners Club Black is invite-only. It is typically offered by your HDFC relationship manager to Imperia banking customers with Rs.35L+ income and an excellent credit history. You can express interest through HDFC netbanking or by calling your dedicated relationship manager.
Is Diners Club accepted everywhere in India?+
Diners Club acceptance has improved significantly but is still lower than VISA or Mastercard. Most major retailers, airlines, hotels and e-commerce platforms accept it. However, smaller merchants may not have Diners-enabled terminals. Having a secondary Visa/MC card is advisable.
What is the quarterly milestone on HDFC Diners Black?+
If you spend Rs.3 Lakh in a calendar quarter, you earn 25,000 bonus reward points worth Rs.12,500. This resets each quarter — hitting it 4 times per year means 1,00,000 bonus points worth Rs.50,000 annually, on top of regular earn.
What is the HDFC Diners Black earn rate?+
5 reward points per Rs.150 on base spends (2.1% return). 10X via HDFC SmartBuy (10.5% return). The quarterly milestone of 25,000 RP on Rs.3L spend adds another 4.2% when consistently achieved.
Is the HDFC Diners Club Black fee waiver achievable?+
Yes. The Rs.10,000 annual fee is waived at Rs.5 Lakh spend — Rs.42,000 per month. For the target customer (Imperia-level, Rs.35L+ income), this is typically achievable. The quarterly milestone structure also means heavy spenders earn the fee value back purely through bonus points.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC Diners Club Black

₹10,000/yr · 5X rewards