HDFC Diners Club Black Credit Card

Apply Now

Card Fees

₹10,000/-

Joining Fees

₹10,000/-

Annual Fees

2%

Foreign Transaction Fee

1.99%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & Maximum Age Criteria

2.5Lakh

Minimum monthly income

750

Minimum Credit Score

Category

Minimum Credit Score Required

750

Annual Charges

₹10,000/-

Features

  • 5X Reward Points on SmartBuy
  • Unlimited Lounge Access Worldwide
  • 6 Complimentary Golf Games/Quarter

Welcome Offer

  • Free Club Marriott Membership
  • Amazon Prime & Swiggy One Access
  • MMT Black & Times Prime Memberships

HDFC Diners Club Black Credit Card is one of the best premium credit cards in India. It can be a great alternative to HDFC Bank’s invite-only premium card – HDFC Infinia. This card offers benefits in areas like shopping, dining, and golf, but its main focus is on travel perks.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • Welcome Benefits:
    Free annual memberships to Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite, and Swiggy One (3 months).
    Available if you spend Rs. 1.5 Lakh in the first 90 days or pay the first-year fee.
    Memberships renew every year with spending of Rs. 8 Lakh.
  • Monthly Milestone Benefits:
    Get two vouchers every month (worth Rs. 500) for cult.fit, BookMyShow, TataCLiQ, or Ola when you spend Rs. 80,000 in a month
    .
  • Golf Benefits:
    Enjoy 6 free golf games per quarter at top golf courses worldwide.
  • Travel Perks:
    Unlimited airport lounge access globally for both primary and add-on users.
    Low forex mark-up fee of 2% for international spending.
  • Fuel Surcharge Waiver:
    1% fuel surcharge waiver on transactions over Rs. 400 (Max waiver of Rs. 1,000 per statement).
  • Dining Benefits:
    10% off on restaurant bills through Swiggy Dineout.
  • Exclusive Offers:
    Priority check-in and baggage assistance at airports.
    Special spa discounts and fine dining offers.
  • Insurance Coverage:
    Rs. 2 Crore air accident insurance.
    Rs. 50 Lakh for emergency overseas hospitalization.
    Up to Rs. 9 Lakh for credit liability.
    Rs. 55,000 for baggage delays (Capped at $10/hour for up to 8 hours).
  • Additional Perks:
    Discounts at spas, gyms, salons, hotels, and more (Sarva Yoga, Tattva Spa, Neemrana Hotels, etc.).
    24×7 concierge service for travel, dining, and car rental needs.
    This card offers a great mix of travel, lifestyle, and entertainment benefits, making it a strong choice for premium card users.

Fees And Charges

Pro and Cons:

Pros:

  • Maximize Rewards – High spending leads to more points and milestone benefits.
  • Annual Fee Waiver – Spend more to get the renewal fee waived.
  • Premium Perks – Enjoy unlimited lounge access, free golf games, fast-track airport services, and concierge support.
  •  Earn rewards on all spending.
  • 1:1 Reward Redemption – Redeem points for top airlines and hotels.
  • Unlimited Lounge Access – Free domestic and international lounge visits for both primary and add-on cardholders.
  • Free Golf Games – 6 complimentary golf games every quarter.
  • Complimentary Memberships – Enjoy multiple premium memberships.
  • Low Forex Fee – Only 2% mark-up on international transactions.

Cons:

  • Important Considerations:
    • Membership Renewal Condition – Complimentary annual memberships are renewed only if you spend Rs. 8 Lakh or more in a year.
      Forex Mark-up Fee – While the 2% fee is lower than the usual 3.5%, it could be even lower given the premium nature of the card.

How To Apply

Online Application:

  1. Visit the HDFC Bank Website – Go to the Credit Cards section.
  2. Select Your Card – Choose from options like Diners Club Black or Diners Club Privilege.
  3. Check Eligibility – Ensure you meet the age and income requirements.
  4. Fill Application Form – Click ‘Apply Now’ and enter your personal and financial details.
  5. Submit Documents – Upload identity, address, and income proofs.
  6. Review and Submit – Check the details and submit the form. You will receive a confirmation via email or SMS.

In-Branch Application:

Visit any HDFC Bank branch to apply in person. The staff will assist you with the process.

Additional Information

Oops! Nothing to display right now.
  1. What is the joining fee for the HDFC Diners Club Black Credit Card?
    • The joining fee is ₹10,000 + GST.​
  2. How can I waive the annual fee?
    • The annual fee is waived if you spend ₹5 lakh in the preceding year.
  3. What are the reward points earning rates?
    • Earn 5 reward points per ₹150 spent on regular spends, 10X reward points on SmartBuy purchases, and 2X reward points on weekend dining.
  4. What are the lounge access benefits?
    • Enjoy unlimited complimentary lounge access to over 1,000 lounges worldwide for both primary and add-on cardholders
  5. Are there any milestone benefits?
    • Yes, receive 10,000 bonus reward points on spends of ₹4 lakh every calendar quarter.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

Email : [email protected]

Quick Link

Credit Cards

Credit Cards by Provider

Weekly Newsletter

Get blog articles and offers via email

All Rights Reserved.

Code & Creativity by ConicPlex