HDFC Diners Club Black
Super Premium Diners Club

HDFC Diners Club Black

HDFC Bank

★★★★½ 4.6/5
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Opens the issuer’s official application page.

Joining Fee₹10,000
Annual Fee₹10,000
Fee WaiverSpend ₹5L/year
Forex Markup2% + GST
LoungeUnlimited domestic + international (Diners Club network + Priority Pass)

Welcome Benefit

10,000 reward points on first spend

Earn Rates

3.3% base; 10X on SmartBuy; 5X on dining

Key Highlights

  • Same 3.3% earn rate as Infinia at a lower annual fee
  • Annual memberships (Amazon Prime + Swiggy One + MMT Black + Times Prime) often worth more than the annual fee
  • Diners Club acceptance is improving but still lower than Visa/MC — have a backup card
  • Reward points transfer to 15+ airline and hotel partners

Milestone Benefits

  • 5,000 RP on ₹5L spend/year (also triggers fee waiver)
  • Complimentary annual memberships: Amazon Prime, Swiggy One, Times Prime, MMT Black

Lounge Access

Unlimited domestic + international (Diners Club network + Priority Pass)

Fuel Surcharge Waiver

1% waiver; max ₹250/month

Best For

  • Value seekers in super-premium segment
  • Amazon and Swiggy heavy users
  • Those who can meet the ₹5L spend waiver

Not Great For

  • International travel to destinations where Diners has poor acceptance
Ready to apply for the HDFC Diners Club Black?

Apply directly on the issuer’s official site.

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Verified: Data last verified 17 June 2026. Sources: hdfcbank.com, technofino.in

Frequently Asked Questions

Is HDFC Diners Club Black accepted everywhere?

No. Diners Club acceptance in India is improving — most large retailers, online merchants, and airports accept it — but it is still not as universal as Visa or Mastercard. Always carry a backup Visa or Mastercard for smaller merchants.

What milestone benefits does Diners Black offer in 2026?

On reaching ₹5 lakh annual spend, you get complimentary memberships for Amazon Prime, Swiggy One, MMT Black, and Times Prime — all renewed annually. The combined value often exceeds the ₹10,000 annual fee.

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