HDFC Bank Diners Club Black Credit Card
About HDFC Bank Diners Club Black Credit Card
The HDFC Diners Club Black Metal Edition is one of the highest-yielding premium cards in India. With a 3.33% base reward rate that scales up to 33.3% on SmartBuy flight and hotel bookings, points rack up exceptionally fast for regular travelers.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| 🍽️Movie & Dining | 2X Reward Points on Weekend Dining (6.67% yield). Exclusive curated dining experiences via Good Food Trail & Diners Club global dining network |
| ⚡Rewards Rate | 5 RP per ₹150 base spend (3.33% value). Up to 10X SmartBuy multiplier (capped at 10,000 bonus RP/calendar month) |
| ✈️Reward Redemption | 1 RP = ₹1.00 on SmartBuy flights and hotels, or 1:1 air miles transfer with leading frequent flyer programs. 1 RP = ₹0.30 statement cash credit |
| 🛋️Domestic Lounge Access | Unlimited complimentary domestic airport lounge visits across India for both primary and add-on cardholders with zero spend criteria |
| 🌐International Lounge Access | Unlimited complimentary international airport lounge visits worldwide across 1,300+ Diners Club lounges for primary and add-on cardholders |
| ⛳Golf Privileges | 6 complimentary golf games / lessons per calendar quarter (24 games per year) across premium golf courses in India and abroad |
| 🛡️Insurance & Protection | Air Accident cover of ₹2 Crore, Emergency Medical Overseas hospitalization cover of ₹50 Lakhs, Credit Liability cover of ₹9 Lakhs, and Baggage delay cover up to ₹55,000 |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | ₹10,000 + GSTSpend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 1.99% Per Month (23.88% Annually)Privileged low revolving interest rate for HDFC super-premium credit cards on retail purchases and cash advances. |
| Late Payment Charges | Nil (Up to ₹100), ₹100 (₹101–₹500), ₹500 (₹501–₹1,000), ₹600 (₹1,001–₹5,000), ₹750 (₹5,001–₹10,000), ₹900 (₹10,001–₹25,000), ₹1,100 (₹25,001–₹50,000), ₹1,300 (Above ₹50,000)Tiered late payment charge based on total outstanding balance if Minimum Amount Due is not paid by payment due date. |
| Foreign Currency Markup | 2.00% + GSTPrivileged reduced forex markup rate on international POS and cross-border online merchant transactions. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ₹0 (Zero Redemption Fee / Complimentary)Complimentary reward redemption across flight bookings, hotel reservations, and merchandise via SmartBuy. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions ≥ ₹400 (Max ₹1,000 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ₹15,000/month (Capped at ₹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ₹4,999 per transaction. |
| Cash Advance Charges | 2.5% of transaction amount or ₹500 (whichever is higher)Domestic & International ATMs. Finance charge of 3.75% p.m. applies from the date of withdrawal until full payment. |
| Overlimit Charges | 2.5% of Overlimit Amount (Min ₹550)Applicable if retail or merchant transactions exceed the sanctioned credit limit (subject to explicit cardholder consent). |
| Rental Transaction Surcharge | 1% fee capped at ₹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on online skill-based gaming transactions exceeding ₹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on wallet loading transactions exceeding ₹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ₹50,000/month (Capped at ₹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ₹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ₹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ₹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ₹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ₹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Product Details
Pros & Cons
HDFC Bank Diners Club Black Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
Metal Edition Prestige & Form Factor
Crafted in genuine metal with sleek laser etching, providing an ultra-premium hand feel and global recognition.
SmartBuy 10X Travel Accrual
Book flights and hotels via HDFC SmartBuy portal to unlock accelerated reward points multipliers up to 10X (33.3% value return), capped at 10,000 bonus RP per calendar month.
Truly Unlimited Airport Lounges
Present your physical card to enjoy unlimited access across domestic and international Diners Club lounge networks without pre-booking vouchers or satisfying quarterly spend requirements.
Quarterly Milestone Bonanza
Earn 10,000 bonus Reward Points upon spending ₹4,00,000 within each calendar quarter, rewarding heavy spenders with up to 40,000 extra points annually.
Comprehensive Global Travel Protection
Complimentary insurance package covering ₹2 Crore Air Accident Death, ₹50 Lakhs Emergency Overseas Hospitalization, and flight delay/baggage loss protection.
HDFC Diners Club Black Metal Rewards Architecture
Engineered on a 5 RP per ₹150 spend block framework. Each point is worth up to ₹1.00 when redeemed for travel or transferred to frequent flyer partners.
Value of CashPoints / Points on Redemption
Comparative monetary conversion rates across cashback, flight tickets, product catalog, and airline miles.
| Redemption Option | Monetary Value (per Point) | Notes |
|---|---|---|
| SmartBuy Flights & Hotels | ₹1.00 | 1:1 redemption value on HDFC SmartBuy travel portal |
| Air Miles Transfer | 1:1 Air Miles | Transfer points 1:1 to frequent flyer programs including Singapore Airlines KrisFlyer, British Airways Executive Club |
| Exclusive Luxury Catalogue | Up to ₹0.50 | High-end electronics, Apple products, and premium lifestyle vouchers |
| Statement Credit (Cashback) | ₹0.30 | Direct balance adjustment against credit card statement balance |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for HDFC Bank Diners Club Black Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 – 60 Years | 21 – 60 Years |
| Income Proof | Net Monthly Income > ₹2,50,000 | ITR > ₹30,00,000 Per Annum |
| Credit Score (CIBIL) | 750+ recommended | |
How to Apply for HDFC Bank Diners Club Black Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ₹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
You need to spend at least ₹1,84,000 per year (₹15,333/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (₹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
No. HDFC Bank has discontinued the plastic edition for all new applications. Existing plastic cardholders retain grandfathered terms (including their ₹5 Lakh annual fee waiver), while all new issuances and card upgrades receive the Diners Club Black Metal Edition.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for HDFC Bank Diners Club Black Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
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