M16S / HDFC Bank / HDFC Diners Club Black Credit Card
super-premium · rewards, travel
HDFC Diners Club Black Credit Card
The HDFC Diners Club Black Credit Card costs Rs 10,000 a year, waived if you spend Rs 5,00,000 in a year. Its base return is 3.33% (5 RP per Rs 150). Accelerated earn: Up to 10X on hotel and flight bookings via SmartBuy; 2X on weekend dining at participating restaurants. The forex markup is 2%. Lounge visits in India: Unlimited, primary and add-on (1,300+ lounges in India and abroad). Abroad: Unlimited, primary and add-on. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 10,000+ GST
- Fee waived at
- Rs 5,00,000annual spend
- Base return
- 3.33%
- Forex markup
- 2%
- Interest
- 1.99%a month
Fees
| Joining fee | Rs 10,000 |
|---|---|
| Annual fee | Rs 10,000 |
| Annual spend that waives the fee | Rs 5,00,000 |
| Fee notes | Joining/renewal Rs 10,000 + taxes. Renewal fee waived on Rs 5 lakh annual spend (product page). |
Rewards
| Welcome benefitunverified | Memberships (Club Marriott, Amazon Prime, Swiggy One, MMT Black) on Rs 1.5 lakh spend in 90 days |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 RP per Rs 150 |
| Base return | 3.33% |
| Point value | 1 RP = Re 1 on SmartBuy flights/hotels (up to 70% of booking); up to 1 airmile; up to Rs 0.50 products and vouchers; up to Rs 0.30 cashback |
| Accelerated earn | Up to 10X on hotel and flight bookings via SmartBuy; 2X on weekend dining at participating restaurants |
| Caps | Max 75,000 RP per cycle; insurance 5,000 RP/month; grocery, utility, telecom 2,000 RP/month each; flight/hotel redemption 75,000 RP/month (MITC) |
| Spends that earn nothing | No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC) |
| Points expiry | 3 years |
| Milestone benefitsunverified | Annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months) and MMT Black on Rs 8 lakh spend in the anniversary year; 2 vouchers of Rs 500 (Tata CLiQ, Uber, BookMyShow or Cult.fit) on Rs 80,000 spend (the page does not print the period; aggregator says monthly) |
| Reward notes | No redemption fee (MITC). base_return_pct = 5 RP per Rs 150 x Re 1 = 3.33%; both figures from the product page. |
Transfers
| Partnersunverified | Singapore KrisFlyer, Air France-KLM Flying Blue, Finnair Plus, Vietnam Lotusmiles, United MileagePlus, Turkish Miles&Smiles, Avianca LifeMiles, Air India Maharaja Club, British Airways Avios, Qatar Airways Privilege Club, Cathay Asia Miles, Air Canada Aeroplan, Etihad Guest, Thai Royal Orchid Plus, SpiceClub, AirAsia Rewards, Accor ALL, Club ITC, Wyndham Rewards, IHG One Rewards, Marriott Bonvoy, Radisson Rewards |
|---|---|
| Ratiounverified | 1:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson; 2:1 to Accor, Club ITC, United, Turkish, LifeMiles, Air India, Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026; Air India 2:1 confirmed on Air India's page). Min 1,000 points; partner transfers reportedly capped at 75,000 points/month. |
Travel and perks
| Domestic lounge | Unlimited, primary and add-on (1,300+ lounges in India and abroad) |
|---|---|
| International lounge | Unlimited, primary and add-on |
| Forex markup | 2% |
| Fuel surcharge waiverunverified | 1% on txns of Rs 400+, cap Rs 1,000 per cycle |
| Other freebies | 6 complimentary golf games per quarter; air accident insurance, emergency overseas hospitalisation and baggage-delay cover (amounts not on the page; earlier data: air accident Rs 2 crore); up to Rs 1,000 cashback on 200+ brands via PayZapp |
Charges and eligibility
| Interest per month | 1.99% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Sourcing stopped; existing cardholders keep the benefits (product page) |
| Fine-print notes | Plastic variant; the product page confirms sourcing has stopped. The FAQ on the page carries text copied from another card (buy-1-get-1, 2 lounge visits a quarter) and is ignored here. Product page read 2026-10-12; fuel waiver, welcome benefit and transfer partners are not on it. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Diners Club Black Credit Card?
- Rs 10,000 a year, before GST. It is waived if you spend Rs 5,00,000 in a year.
- Does the HDFC Diners Club Black Credit Card give airport lounge access?
- Yes. In India: Unlimited, primary and add-on (1,300+ lounges in India and abroad). Outside India: Unlimited, primary and add-on.
- What is the forex markup on the HDFC Diners Club Black Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Diners Club Black Credit Card?
- No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC)