Question 1

What is the annual fee on the HDFC Bank Diners Club Black Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the HDFC Bank Diners Club Black Credit Card?

Accepted Answer

You earn 5 points for every ₹100 spent, and 50 points per ₹100 in the accelerated category. At roughly ₹0.3 a point, that is about 1.5% back on regular spends. On ₹10,000 of monthly spend you collect around 500 points, worth roughly ₹150.

Question 3

What is the forex markup on the HDFC Bank Diners Club Black Credit Card?

Accepted Answer

The markup is 2% plus GST, which is ₹2,000 on ₹1L of overseas spend against ₹3,500 on a standard 3.5% card. The saving only counts if you also earn rewards on international spends, so check that they are not on the excluded list. Decline dynamic currency conversion at the terminal and pay in the local currency.

Question 4

What changed on the HDFC Bank Diners Club Black Credit Card recently and is it still worth it in 2026?

Accepted Answer

Same voucher cap (3,000 RP/month); legacy Diners restricted. The changes are dated Jul 1, 2026. At ₹5L of yearly spend the card returns roughly ₹16,650 at its general rate of about 3.33%, against a ₹10,000 renewal fee. Keep it if you clear the ₹5L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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HDFC Bank Diners Club Black Credit Card

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