MyFinCards
Diners Club Black Credit Card

Joining Fee

₹10,000

Annual Fee

Rs. 10000 (Reversed on annual spends of Rs. 5 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
HDFC Bank
Lifestyle
Travel
Rewards
Best For: Frequent international travelers, High spenders seeking lifestyle and travel benefits, Golf enthusiasts, Customers who value premium lounge access

Diners Club Black Credit Card

Rewards Structure

Base Reward Rate

3.33% on spends

Point Value

1 Point = ₹0.5

Pros

  • Unlimited lounge access for primary and add-on cardholders at 1,300+ lounges globally
  • 6 complimentary golf games per quarter
  • Complimentary annual memberships including Club Marriott, Amazon Prime, Times Prime and more
  • Up to 10X reward points on SmartBuy hotel and flight bookings
  • Renewal fee waived on annual spends of INR 5 lakh
  • Low foreign currency markup of 2%
  • 2X reward points on weekend dining

Cons

  • High joining and annual fee of INR 10,000
  • Card sourcing has been stopped; not available for new applicants
  • Reward points redeemable for products/vouchers at only INR 0.50 per point
  • Reward points cover only up to 70% of flight/hotel booking value

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward points redeemable for flights/hotels only up to 70% of booking value; remaining must be paid by card

Card is no longer available for new applicants

Cashback redemption value is only INR 0.30 per reward point

Foreign currency charges billed on subsequent statement within 60 days from date of visit

Key Benefits & Features

Earn up to 10X Reward Points on hotels and flight bookings on SmartBuy.

Earn 2X Reward Points on Weekend Dining at participating restaurants.

Up to 50 days of interest-free credit from the date of purchase.

Eligibility Criteria

0
Official Terms & Conditions

About Diners Club Black Credit Card

The HDFC Bank Diners Club Black Credit Card is a premium lifestyle and travel card designed for high spenders who seek exclusive rewards and world-class privileges. With a joining and annual membership fee of ₹10,000 (waivable on annual spends of ₹5 lakh), cardholders gain access to an impressive suite of benefits that cater to frequent travelers, dining enthusiasts, and golf aficionados. At the heart of its travel benefits, the card offers unlimited lounge access to over 1,300 lounges across India and internationally for both primary and add-on cardholders. Golf enthusiasts enjoy 6 complimentary games every quarter at premier courses worldwide. On the rewards front, cardholders earn 5 reward points per ₹150 spent, with up to 10X points on hotel and flight bookings via SmartBuy, and 2X points on weekend dining at participating restaurants. The card also delivers strong lifestyle value through complimentary annual memberships to Club Marriott, Times Prime, Amazon Prime, Swiggy One, and MMT BLACK upon meeting spend thresholds. Milestone benefits include vouchers worth ₹500 from popular brands like Tata Cliq, Uber, BookMyShow, and Cult.Fit. Additional features such as SmartEMI, contactless payments, a low 2% foreign currency markup, and seamless card management via the MyCards platform make this a comprehensive premium credit card. Please note that new sourcing for this card has been discontinued; existing customers continue to enjoy all benefits.

Expert Review

Our Verdict

Premium Diners Club card with unlimited lounge access, 5X rewards & exclusive lifestyle memberships for high spenders.

Frequently Asked QuestionsAbout Diners Club Black Credit Card

FEESIs the Diners Club Black Credit Card free?
No, the HDFC Bank Diners Club Black Credit Card is not free. Cardholders incur a joining fee and annual renewal membership fee of ₹10,000 plus applicable taxes. However, the renewal fee can be waived off if you spend ₹5 lakh or more in an anniversary year, making it a rewarding option for high spenders who can take full advantage of its exclusive benefits and rewards.
BENEFITSWhat are the features and benefits of the Diners Club Black Credit Card?
The Diners Club Black Credit Card offers a host of premium benefits including unlimited lounge access to 1,300+ lounges globally for primary and add-on cardholders, 6 complimentary golf games per quarter, complimentary annual memberships (Club Marriott, Amazon Prime, Times Prime, Swiggy One, MMT BLACK on ₹8 lakh spends), 2X reward points on weekend dining, up to 10X reward points on SmartBuy hotel and flight bookings, and milestone vouchers worth ₹500 each on spends of ₹80,000 or more.
APPLICATIONHow can I apply for the Diners Club Black Credit Card?
Currently, HDFC Bank is not accepting new applications for the Diners Club Black Credit Card, as sourcing of this card has been stopped. Existing customers will continue to enjoy all the card's benefits. If you are looking for a new credit card, you can explore HDFC Bank's other available credit card options on their official website to find one that suits your needs.
FEESHow much is the annual fee for the Diners Club Black Credit Card, and can it be waived?
The annual renewal membership fee for the Diners Club Black Credit Card is ₹10,000 plus applicable taxes. The good news is that this fee can be completely waived off if you spend ₹5 lakh or more on your card during the anniversary year. This makes the card more cost-effective for frequent and high-value spenders who actively use the card's premium benefits.
REWARDSWhat is the reward points earning rate on the Diners Club Black Credit Card?
With the Diners Club Black Credit Card, you earn 5 Reward Points for every ₹150 spent. You can earn up to 10X Reward Points on hotel and flight bookings made via SmartBuy. Additionally, you earn 2X Reward Points on weekend dining at participating restaurants. These accelerated earning rates make it especially rewarding for travel and dining enthusiasts.
REWARDSWhat is the redemption value of Diners Club Black Credit Card reward points?
Reward Points earned on the Diners Club Black Credit Card can be redeemed across multiple categories: 1 Reward Point = ₹1 for SmartBuy flight and hotel bookings, up to 1.0 Airmile for airmiles conversion, up to ₹0.50 for products and vouchers, and up to ₹0.30 for cashback. The best value is obtained when redeeming points for flight and hotel bookings on SmartBuy.
USAGEIs there a limit on redeeming reward points for flight and hotel bookings?
Yes, there is a redemption limit for flight and hotel bookings. Reward Points can be redeemed for up to 70% of the total booking value for flights and hotel bookings made on SmartBuy. The remaining amount (at least 30% of the booking value) must be paid using your Diners Club Black Credit Card. Please refer to the Terms & Conditions on the HDFC Bank website for complete details.
BENEFITSWhat lounge access benefits does the Diners Club Black Credit Card offer?
The Diners Club Black Credit Card provides unlimited complimentary lounge access to over 1,300 lounges across India and internationally, for both primary and add-on cardholders. For the domestic lounge list, you can visit the HDFC Bank website. For international lounges, you can check the Diners Travel Tool App. This unlimited access with no quarterly cap makes it one of the best lounge benefits among premium credit cards.
BENEFITSWhat complimentary memberships does the Diners Club Black Credit Card offer?
The Diners Club Black Credit Card offers complimentary annual memberships to several premium services. These include Club Marriott, Amazon Prime, Times Prime, Swiggy One (3 months), and MMT BLACK. The MMT BLACK membership is unlocked upon achieving ₹8 lakh in spends during the anniversary year. These memberships add significant value and are especially beneficial for frequent travelers, shoppers, and food enthusiasts.
INTERNATIONALWhat is the foreign currency markup fee on the Diners Club Black Credit Card?
The Diners Club Black Credit Card charges a foreign currency markup fee of 2% on all foreign currency transactions. These charges will be billed on your subsequent statement within 60 days from the date of the transaction. The currency conversion rate applicable will be as on the date of settlement. A 2% markup is relatively low compared to the standard 3.5% charged by most credit cards, making it a good option for international travelers.
BENEFITSWhat are the milestone benefits on the Diners Club Black Credit Card?
The Diners Club Black Credit Card offers attractive milestone benefits. When you spend ₹80,000 or more in a statement cycle, you become eligible to receive 2 vouchers worth ₹500 each from partner brands including Tata Cliq, Uber, BookMyShow, or Cult Fit. These milestone rewards provide additional value on top of the regular reward points and lifestyle benefits already offered by the card.
USAGEHow can I manage my Diners Club Black Credit Card?
You can manage your Diners Club Black Credit Card conveniently through HDFC Bank's MyCards platform, a mobile-based service that requires no password or downloads. Using MyCards, you can activate your card, set or change your PIN, control card settings (online spends, contactless transactions), view transactions, download e-statements, check reward points, block or re-issue your card, and even apply for an add-on card — all from your mobile device.
BENEFITSDoes the Diners Club Black Credit Card offer golf benefits?
Yes, the Diners Club Black Credit Card offers 6 complimentary golf games every quarter across some of the finest golf courses in the world. This benefit is available to primary cardholders and is one of the premium lifestyle perks that makes this card appealing to golf enthusiasts. You can find the list of participating golf courses and the applicable Terms & Conditions on the HDFC Bank website.
USAGEDoes the Diners Club Black Credit Card support contactless payments?
Yes, the Diners Club Black Credit Card supports contactless payments, allowing you to make quick and secure transactions at contactless-enabled payment terminals without needing to swipe or insert your card. You can also manage your contactless payment settings through the MyCards platform, giving you control over when and how this feature is used for added security.
USAGEWhat SmartEMI options are available on the Diners Club Black Credit Card?
The Diners Club Black Credit Card offers a SmartEMI facility that allows you to convert large purchases into easy monthly installments even after the transaction has been made. This provides financial flexibility for managing high-value expenses. You can opt for SmartEMI through HDFC Bank NetBanking or the MyCards platform. Applicable interest rates and processing fees are detailed in the Fees and Charges section on the HDFC Bank website.

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