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HDFC Diners Club Black

Name: HDFC Diners Club Black
Brand: HDFC
Price: 10000 INR

HDFC

9.4

CardTrail Score

Outstanding

out of 10

💰 Net Value

9.2

🔓 Accessibility

4.6

⚡ Feature Depth

7.3

🏦 Bank Trust

7.0

How we score →

Compare This Card Full Details

Annual Fee

₹10,000

Spend ₹5L/year

Forex Markup

1.99%

Reward Rate

3.3%

Up to 33%

Lounge Access

Unlimited

domestic | Unlimited intl

About This Card

The HDFC Diners Club Black rivals the Infinia in benefits but is more accessible. Unlimited lounge access, 3.3% base reward rate, and 10X on SmartBuy make it one of India's best cards. The only catch: Diners Club acceptance is limited at smaller merchants, though it's improving rapidly.

Pros & Cons

Pros

Unlimited lounge access worldwide
Excellent 3.3% base reward rate
Fee waiver at ₹5L achievable
10X on SmartBuy = up to 33%

Cons

Diners Club not accepted everywhere in India
₹10K annual fee
Need HDFC relationship for approval

Fee Details

Annual Fee

₹10,000

Joining Fee

₹10,000

Fee Waiver Condition

Spend ₹5L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

3.3%

Max Rate

33%

Currency

Reward Points

Welcome Bonus

10,000 Reward Points

Lounge Access

Domestic Lounges

Unlimited

International Lounges

Unlimited

Key Highlights

+ Unlimited lounge access
+ 3.3% base reward rate
+ 10X on SmartBuy
+ Complimentary golf & Club Marriott

Compare With...

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CRED

9.0

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