HDFC Bank Diners Club Black Credit Card

HDFC Bank · Closed to new applicants

HDFC's earlier plastic Diners Black card, now closed to new applicants. It earns 5 reward points per ₹150, gives unlimited lounge access, six golf games a quarter and annual memberships on ₹8 lakh of spend, for ₹10,000 a year waived at ₹5 lakh.

Annual fee
₹10,000 + GST a year
Joining fee
₹10,000 + GST
Fee waiver
Annual fee waived on ₹5,00,000 spend per card year
Base rate
Retail spends: 5 Reward Points per ₹150 (about 1% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
2%
Data
From bank documents, checked 20 Oct 2026

Main earn rates

  • SmartBuy hotels, 10X (45 bonus points per ₹150 on top of the base): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • SmartBuy at IGP, Jockey and PharmEasy, 10X (45 bonus points per ₹150): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • SmartBuy flights, 5X (20 bonus points per ₹150): 20 Reward Points per ₹150 on top of the base rate (about 4% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar and MakeMyTrip holiday packages, 5X (20 bonus points per ₹150): 20 Reward Points per ₹150 on top of the base rate (about 4% at cash value)
  • SmartBuy at Apple (Imagine Tresor) and ConfirmTkt train tickets, 3X (10 bonus points per ₹150): 10 Reward Points per ₹150 on top of the base rate (about 2% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rent and property management, or on government payments (from 1 January 2023)
  • No points on wallet loads
  • No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
  • No points on online skill-based gaming (from 1 July 2025)
  • No points on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • base reward rate: The product page says "5 Reward Points for every ₹150" and the MITC confirms ₹150 multiples for Diners Black. The 15 May 2026 notice moves other cards to ₹200 and says Diners Black is unchanged. 5 per ₹150 is used.

Terms the calculator does not value

  • 2X weekend dining: 10 points per ₹150 at standalone restaurants on Saturdays and Sundays (a bonus of 5 on top of the base), capped at 1,000 points a day, paid directly with the card, minimum ₹150. The calculator has no day of the week, so dining earns the base rate.
  • Airmile conversion is "up to 1.0 airmile per point" but the partner programmes and per-partner ratios are not stated, so no transfer option is entered.
  • The memberships (Club Marriott, Amazon Prime, Swiggy One, MakeMyTrip Black Gold, Times Prime) have no value stated by HDFC, so the first-year total leaves them out. Unlocked within 48 hours; downloadable for 60 days.
  • Premium-card benefit terms such as the Club Marriott and Swiggy discounts sit in partner T&Cs inside the HDFC document and are not modelled.

Sources

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