Your gateway to global luxury, limitless rewards, and extraordinary privileges
5 reward points per ₹150 spent
Unlimited lounge access at 1,000+ airports
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| Benefit | Details |
|---|---|
| Premium Reward Programme | Earn 5 reward points for every ₹150 spent on all purchases, with up to 10X reward points on SmartBuy platform. |
| Unlimited Airport Lounge Access | Complimentary access to over 1,000+ domestic and international airport lounges worldwide for both primary and add-on cardholders. |
| Welcome Benefits | Receive complimentary annual memberships of Club Marriott, Amazon Prime, Times Prime, MMT BLACK, Swiggy One, and Forbes on spending ₹1.5 lakh within the first 90 days. |
| Milestone Benefits | Choose any 2 monthly vouchers from cult.fit Live, BookMyShow, TataCliQ, or Ola cabs worth ₹500 each on monthly spends of ₹80,000. |
| Annual Fee Waiver | Annual fee of ₹10,000 + GST waived on annual spends of ₹5,00,000 or more. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Private Sector Bank |
| Category | Super Premium / Travel & Lifestyle |
| Type of Card | Master Card |
| Free or Paid | ₹10,000 Annually (waived on spends of ₹5 lakh) |
The HDFC Diners Club Black Credit Card is designed for high-net-worth individuals who seek premium travel experiences, exclusive lifestyle privileges, and exceptional rewards on their spending. This super-premium credit card caters to frequent travellers who value unlimited airport lounge access across the globe, prefer flexible reward redemption options for flight and hotel bookings, and appreciate complimentary memberships to elite platforms. Combined with comprehensive travel insurance and 24/7 concierge services, this card offers unparalleled value for those who prioritise luxury and convenience. The card is particularly suitable for professionals, business owners, and affluent individuals who maintain high monthly expenditure and want to enjoy world-class benefits across travel, dining, golf, and wellness categories.
Interest-Free Credit Period: Enjoy an interest-free period of up to 50 days from the date of purchase, subject to the submission of the charge by the merchant, helping cardholders manage cash flow efficiently.
Contactless Payments: The card is enabled for contactless payments, facilitating fast, convenient, and secure transactions at retail outlets for amounts up to ₹5,000 per transaction.
Smart EMI Facility: Convert large purchases into easy monthly instalments at competitive interest rates post-purchase, providing flexibility in managing high-value expenses.
Add-on Cards: Issue supplementary cards to family members aged 18 years and above at no additional cost, allowing them to share benefits including unlimited lounge access.
24/7 Concierge Services: Access exclusive concierge services round-the-clock for assistance with restaurant reservations, travel bookings, event tickets, and personalised recommendations.
Base Reward Rate: Earn 5 reward points for every ₹150 spent on all eligible retail purchases.
10X Rewards on SmartBuy: Earn up to 10X reward points (50 reward points per ₹150) on purchases made through HDFC Bank's SmartBuy platform for flights, hotels, and partner brands.
2X Weekend Dining Rewards: Receive 2X reward points (10 reward points per ₹150) on weekend dining transactions on Saturdays and Sundays.
Flight and Hotel Bookings: Redeem reward points at 1 Reward Point = ₹1 for booking flights and hotels through the SmartBuy portal. Cardholders can redeem up to 70% of the booking value using reward points.
Air Miles Conversion: Convert reward points to frequent flyer miles with partner airlines at a 1:1 ratio (1 Reward Point = 1 Airmile), including Singapore Airlines KrisFlyer, Club Vistara, InterMiles, SpiceClub, AirAsia, Finnair Plus (Avios), Flying Blue, and more.
Welcome Benefits: Upon spending ₹1.5 lakh within the first 90 days of card issuance or upon first-year fee realisation, cardholders receive complimentary annual memberships of:
Club Marriott
Amazon Prime
Times Prime
MMT BLACK
Swiggy One (3 months)
Forbes Digital Subscription
Renewal Benefits: Achieve annual spends of ₹8,00,000 at the time of card anniversary to receive renewed complimentary annual memberships of Club Marriott, Amazon Prime, Times Prime, MMT BLACK, Swiggy One, and Forbes.
Monthly Milestone: Choose any 2 vouchers from cult.fit Live 1-month membership, BookMyShow, TataCliQ, or Ola cabs worth ₹500 each upon achieving monthly spends of ₹80,000.
Domestic Lounges: Enjoy unlimited complimentary access to domestic airport lounges across India.
International Lounges: Benefit from unlimited complimentary access to over 1,000 international airport lounges worldwide.
Add-on Cardholders: Supplementary cardholders also receive unlimited lounge access at both domestic and international locations.
No Priority Pass Required: The credit card itself serves as the lounge access card, eliminating the need for separate membership.
Complimentary Golf Games: Enjoy 6 complimentary rounds of golf per quarter at premium golf courses in India and worldwide.
Swiggy Dineout: Enjoy discounts on restaurant bill payments (inclusive of restaurant and Swiggy discounts) via Swiggy Dineout restaurants.
Weekend Dining Rewards: Earn 2X reward points on weekend dining transactions, providing enhanced value on Saturday and Sunday restaurant spends.
Air Accident Cover: Coverage of ₹2 crore for air accident-related incidents.
Emergency Overseas Hospitalisation: Coverage of up to ₹50 lakh for medical emergencies whilst travelling abroad.
Credit Liability Cover: Protection cover of up to ₹9 lakh against unauthorised transactions.
Baggage Delay Insurance: Compensation of up to ₹55,000 for baggage delay during travel.
1% Waiver: Receive a 1% fuel surcharge waiver on transactions of ₹400 and above at fuel stations across India.
Maximum Benefit: The maximum fuel surcharge waiver is capped at ₹1,000 per statement cycle.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹10,000 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹10,000 + GST | Charged every year. Waived if annual spends are ₹5,00,000 or more. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards for family members. |
| Finance Charges | 1.99% per month (23.88% per annum) | Applicable on revolving credit and outstanding balances not paid by the due date. |
| Cash Advance Fee | 2.5% of withdrawn amount or ₹500, whichever is higher | Fee charged for cash withdrawals from ATMs. |
| Late Payment Fee | ₹100 to ₹1300 As per bank policy | Late payment charges vary based on the total outstanding amount pending for payment. |
| Over-Limit Fee | As per bank policy | Charged when spending exceeds the credit limit. |
| Foreign Currency Markup | 2% | Applicable on all transactions in foreign currency. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years, maximum 60 years |
Age (Self-Employed Individuals) | Minimum 21 years, maximum 65 years |
Nationality | Must be an Indian citizen |
Minimum Income (Salaried) | ₹2.5 lakh per month |
Minimum Income (Self-Employed) | Annual income of ₹30 lakh or more as per ITR |
Credit Score | Credit score of 750 or above is usually recommended for approval |
Other Criteria | High net worth individual status, good credit history with no payment defaults, valid PAN card, valid Aadhaar card or government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Voter's ID, or Driving Licence |
| Address Proof | Aadhaar Card, Passport, Voter's ID, Driving Licence, Ration Card, Utility Bill (not more than 3 months old), Bank Account Statement, or Property Registration Document |
| Income Proof (Salaried) | Latest salary slips (not more than 3 months old), Form 16, and bank account statements for the last 6 months |
| Income Proof (Self-Employed) | Income Tax Returns for the last 2-3 years, audited financial statements, profit & loss account, and bank account statements |
| Photograph | Recent passport-size photograph |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HDFC Diners Club Black Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise SmartBuy Rewards | Book flights and hotels through the SmartBuy platform to earn up to 10X reward points at a redemption value of 1:1. |
Utilise Weekend Dining | Make restaurant payments on Saturdays and Sundays to earn 2X reward points on dining spends. |
Claim Welcome Benefits | Spend ₹1.5 lakh within the first 90 days to receive complimentary annual memberships worth over ₹1 lakh. |
Achieve Monthly Milestones | Plan monthly spends of ₹80,000 to receive vouchers from cult.fit Live 1-month membership or BookMyShow or TataCLiQ or Ola vouchers |
Leverage Lounge Access | Use unlimited lounge access at airports worldwide for a comfortable travel experience for both primary and add-on cardholders. |
Redeem for Travel | Redeem reward points at 1:1 ratio for flight and hotel bookings through SmartBuy to maximise value. |
Convert to Air Miles | Transfer reward points to partner airline frequent flyer programmes at a 1:1 ratio for enhanced travel benefits. |
The HDFC Diners Club Black Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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