Card Details
HDFC Bank Diners Club Black Credit Card
Monzy Score
6/ 10
Decent for lounge-hungry travellers.
The ~₹10,000 fee needs heavy spend to justify; strong ~25% back in its core category.
Card Issuer
HDFC Bank
Joining Fee
₹10,000
Annual Fee
₹10,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
5pts
/₹150 on All Retail Purchases
2X
Pts on weekend dining
10X
Reward points on hotel and flight bookings via SmartBuy
Benefits
5X Reward Points on Swiggy & Zomato
- Accelerated dining rewards
- Earn 5X Reward Points on popular dining platforms like Swiggy and Zomato
BookMyShow Buy 1 Get 1
- BookMyShow BOGO offer
- Buy 1 Get 1 Free on entertainment through BookMyShow
₹10,000 fee waived on ₹5 lakh spend
2% foreign currency markup
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet
Estimated Returns
All retail spends (base)
5 RP per Rs.150 (~3.33%). RP value up to Rs.1 on SmartBuy flights/hotels & 1:1 airmiles; cashback ~Rs.0.30.
₹999
SmartBuy accelerated (flights/hotels/vouchers etc.)
Up to 10X via SmartBuy; bonus RP capped at 7,500/calendar month (2,500/day). Cap value ~Rs.7,500 at Rs.1/RP.
₹0
Total Annual Return
₹11,988
3.33% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“My Diners Club Black journey & experience so far”
by r/CreditCardsIndia, Mar 2026
“Finally Made Peace With the Diners Black Credit Card Fee”
by r/CreditCardsIndia, Jul 2025
“HDFC Diners Club Black Metal Review After 4 Months of”
by r/CreditCardsIndia, Jul 2026
“Upgraded to HDFC Diners Club Black (FYF)! What Should I”
by r/CreditCardsIndia, Jul 2025
“How to get HDFC Diners Club Black Credit Card?”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The HDFC Bank Diners Club Black Credit Card charges ₹10,000 plus GST as a joining fee and the same ₹10,000 again at renewal. HDFC Bank waives the renewal fee if you spend ₹5L in the previous year, which is about ₹41,667 a month. If your card spend sits below that, treat ₹10,000 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Reward Points can only offset up to 70% of a flight or hotel booking value via SmartBuy.
Rewards Points accrued for Insurance transactions will have a maximum limit of 5,000 per month.
Rewards Points accrued for Utility, Telecom & Grocery transactions will have a maximum limit of 2,000 per month.
