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HDFC Bank Diners Club Black Credit Card
TravelLifestyleDiners ClubSuper PremiumActive

HDFC Bank Diners Club Black Credit Card

HDFC Bank

Joining Fee₹10,000Renewal Fee₹10,000Waived at ₹5,00,000 annual spend
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Last verified: 24 Sept 2026

Reward Program

HDFC Bank Reward Points1 point = ₹1.00
CategoryEarn RateMonthly Cap

Shopping and vouchers on HDFC Bank SmartBuy

33.33%₹7,500/monthly

Weekend dining at participating restaurants

6.67%₹1,000/per_transaction

Insurance

3.33%₹2,000/monthly

HDFC SmartBuy - flight bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input flights)

16.65%₹7,500/monthly

HDFC SmartBuy - hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input hotels)

33.3%₹7,500/monthly
All other spends3.33%No cap

Redemption fee: 99

🔁

Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking

Transfer partners

Flights and hotel bookings via SmartBuy — 1 Reward Point = ₹1. The strict Rule 5 maximum and the basis for every percentage in this file. Redemption is capped at 75,000 Reward Points per calendar month, and points may cover at most 70% of the booking.Airmiles conversion — up to 1.0 Airmile per Reward Point. Turkish Miles&Smiles, Accor and Avianca LifeMiles take 2 Reward Points per Loyalty Point, so those three run at half rate.Products and vouchers — up to ₹0.50 a point, half the headline rate.Cashback against statement balance — up to ₹0.30 a point, under a third of the top rate.

Live Offers

315 active
Travellers JourneyUp to Rs15,000 Off on HDFC Bank Cards
₹15,000 offTJHDFC15Till 31 Dec
Thomas CookGet upto 12,000 Instant Discount with HDFC Bank Credit Cards on Thomas Cook Holidays
₹12,000 offTill 31 Dec
SotcGet upto INR 12,000 Instant Discount on your Holiday Bookings with HDFC Bank Credit Cards
₹12,000 offTill 31 Dec
Reliance DigitalGet Flat Rs. 6,000 Discount on Apple Iphone 17 & 17 Pro at Reliance Digital with EASYEMI o
₹6,000 offTill 31 Dec
CromaGet Flat ₹4,000 discount on Apple Iphone 17 & 17 Pro models with EASYEMI on HDFC Bank Cred
₹4,000 offTill 31 Dec
View all 578 offers

Benefits

🛋️

Lounge Access

999 domestic visits/quarter

999 international visits/quarter

UNLIMITED complimentary airport lounge access at 1,300+ lounges in India and worldwide, for PRIMARY AND ADD-ON cardholders. 999 is the sentinel for unlimited and must not be read as a number of visits.

⛽

Fuel Surcharge Waiver

Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.

Milestone Benefits

Spend ₹80,000/quarter2 vouchers worth ₹500 each from Tata CLiQ, Uber, BookMyShow or Cult.fit₹1,000 total by this tier · 1.25% effective rate
Spend ₹8,00,000/yearAnnual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months) and MMT BLACK

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee₹10,000/yr
Renewal Fee₹10,000/yr
Fee WaiverSpend ₹5,00,000/year
Forex Markup2%
Interest Rate45% p.a.
Cash Advance Fee2.5% of the amount withdrawn, subject to a minimum of ₹500.
Reward Redemption Fee99

In the News

Priya Menon · 11d ago

HDFC Diners Club Black Review 2026: 3.33% Base, 10X SmartBuy, Caps & FAQs

HDFC Diners Club Black earns 5 Reward Points per ₹150 at ₹1 a point — 3.33% — with a 7,500-point monthly SmartBuy cap and 2,500 a day. Full cap maths, how it differs from the Metal Edition, fees and FAQs.

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