← Part of HDFC Credit Cards in India
The HDFC Bank Diners Club Black Credit Card, available in both plastic and a premium Metal Edition, targets high-spending professionals and frequent travelers in India. As of 2026, IT offers unlimited lounge access to over 1,300 lounges globally and a 2% foreign currency markup fee, making IT a strong alternative to the invite-only HDFC Infinia card.
| Parameter | Details |
|---|---|
| Card Name | HDFC Bank Diners Club Black Credit Card |
| Card Type | Premium Credit Card (Metal Edition also available) |
| Issuer | HDFC Bank |
| Primary Focus | Travel-centric benefits, luxury lifestyle, dining, golf |
| Joining Fee | ₹10,000 + applicable taxes |
| Annual Fee | ₹10,000 + applicable taxes |
| Annual Fee Waiver | Spend ₹5 lakh in a card anniversary year (for plastic version); Spend ₹8 lakh for Metal Edition |
| Reward Points Earning | 5 reward points on every ₹150 spent; Up to 10X reward points on SmartBuy platform |
| Reward Points Validity | 3 years from the date of credit |
| Lounge Access | Unlimited access to 1,300+ lounges (India & abroad) for primary and add-on card members |
| Complimentary Golf Games | 6 complimentary games per quarter (at 15+ courses in India, 100+ worldwide) |
| Foreign Currency Markup Fee | 2% |
| Interest-Free Credit Period | Up to 50 days from the date of purchase |
| Credit Cover Liability | ₹9 lakh |
| Travel Insurance Coverage | Up to ₹55,000 for baggage delays (max $10/hour, restricted to 8 hours) |
| Concierge Services | 24/7 via toll-free (1800118887) or landline (022 42320226) |
| Milestone Benefit (Metal Edition) | 10,000 bonus reward points on spending ₹4 lakh per calendar quarter |
| Application Status (as of 2026) | Currently not accepting new applications for the Diners Club Black Credit Card (RBI restriction from May 1, 2021) |
The card’s full benefits across travel, dining, and lifestyle, combined with a competitive 2% forex markup, position IT as a leading premium offering for discerning cardholders in India.
Diners Club Black: Features & Benefits
The HDFC Diners Club Black Credit Card offers extensive travel, lifestyle, and reward benefits, positioning IT as a top-tier premium card in India. IT provides unlimited lounge access at over 1,300 locations globally and 6 complimentary golf games per quarter, as of 2026.
| Type/Category | Details | Key Feature |
|---|---|---|
| Credit Card Type | Premium, Ultra-premium, Metal Edition | Designed for high-income individuals, frequent travelers, and high-spending professionals |
| Rewards Program | 5 Diners Black Reward Points on every ₹150 spent; Up to 10X reward points on HDFC SmartBuy platform | High earning rewards, flexible redemption options (air miles, hotel bookings, catalogue) |
| Travel Benefits | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members; 6 complimentary golf games per quarter; full travel benefits package | Extensive airport lounge access, golf privileges, and a strong focus on travel-centric benefits |
| Insurance Coverage | ₹2 crore air accident insurance; ₹50 lakh overseas emergency hospitalisation cover; ₹55,000 coverage for delayed baggage; Up to ₹9 lakh protection for lost card liability | strong insurance protection for travel and card security |
| Milestone Benefits | 10,000 bonus reward points by spending ₹4 lakh or more within a calendar quarter; Quarterly vouchers (worth ₹500 each) from Tata Cliq, Uber, BookMyShow or Cult Fit on spending ₹80,000 or more | Accelerated reward points and vouchers for achieving spending milestones |
| Dining & Lifestyle | ‘Buy 1 Get 1 Free’ on entertainment through BookMyShow; 5X reward points on popular dining platforms like Swiggy and Zomato; Complimentary annual memberships to Amazon Prime, Club Marriott, and Swiggy One as welcome benefits (on spending ₹1.5 lakh within 90 days) | Exclusive offers on dining, entertainment, and premium lifestyle memberships |
| Financial Flexibility | Revolving Credit at nominal interest rate; Up to 50 days of interest-free credit period; Option to convert big spends into EMI after purchase | Convenient credit options and post-purchase EMI conversion |
| Annual Fee Waiver | Annual fee waived when total yearly spending reaches ₹8 lakh (for Metal Edition); ₹5 lakh (for standard Diners Black) | Fee waiver based on annual spending thresholds |
| Card Management | MyCards mobile-based service platform for activation and management; Contactless payments | Easy card activation and management on the go |
| Redemption Value | 1 reward point equals ₹1 for flight/hotel bookings through HDFC SmartBuy and premium catalogue redemptions | High redemption value for reward points, especially for travel |
| Foreign Currency Markup | 2% foreign currency markup fee on international transactions | Competitive rate for global spending |
| Concierge Services | 24/7 concierge services via toll-free number 1800118887 (India) or landline 022 42320226 | Dedicated assistance for travel, dining, and lifestyle needs |
The HDFC Diners Club Black Credit Card, including its Metal Edition, consistently ranks high for its full benefits, particularly for frequent travelers and high-spenders in India, scoring 83/100 by 1 Finance Credit Card Scoring and Ranking in 2026.
Diners Club Black: Fees & Charges 2026
The HDFC Bank Diners Club Black Credit Card carries a joining fee of ₹10,000 + taxes and an equivalent annual fee. This annual fee can be waived if your spending exceeds ₹5 lakh in the preceding year (Source: HDFC Bank official website, as of June 2026).
| Metric | Value (INR) | Source |
|---|---|---|
| Joining Fee (Diners Club Black) | ₹10,000 + applicable taxes | HDFC Bank official website (June 2026) |
| Annual Fee (Diners Club Black) | ₹10,000 + applicable taxes | HDFC Bank official website (June 2026) |
| Annual Fee Waiver Condition (Diners Club Black) | Spend ₹5 lakh or more in a year | HDFC Bank official website (June 2026) |
| Joining Fee (Diners Club Black Metal) | ₹10,000 + GST | HDFC Bank official website (June 2026) |
| Annual Fee (Diners Club Black Metal) | ₹10,000 + GST | HDFC Bank official website (June 2026) |
| Annual Fee Waiver Condition (Diners Club Black Metal) | Spend ₹8 lakh in a card anniversary year | HDFC Bank official website (June 2026) |
| Foreign Currency Markup Fee | 2% of transaction amount | HDFC Bank official website (June 2026) |
| Finance Charges (Monthly) | 1.99% | HDFC Bank official website (June 2026) |
| Finance Charges (Annually) | 23.88% | HDFC Bank official website (June 2026) |
| Payment Return Charges | 2% or ₹450 (whichever is higher) | HDFC Bank official website (June 2026) |
| Rent Payment Fee | 1% of transaction amount (max ₹3,000) | HDFC Bank official website (June 2026) |
| Fuel Surcharge Waiver | 1% (Max ₹1,000 per statement cycle) | HDFC Bank official website (June 2026) |
| Minimum Fuel Transaction for Waiver | ₹400 | HDFC Bank official website (June 2026) |
| Annual Fee (Diners Club Privilege) | ₹1,000 + GST | HDFC Bank official website (June 2026) |
| Renewal Fee Waiver (Diners Club Privilege) | Spend ₹3 lakh or more in a year | HDFC Bank official website (June 2026) |
The HDFC Diners Club Black Credit Card’s fee structure is competitive for a premium offering, with a clear path to annual fee waiver based on spending thresholds.
Diners Club Black: Eligibility Criteria
The HDFC Diners Club Black Credit Card requires specific income and age criteria for applicants in India. As of 2026, salaried individuals need a net monthly income exceeding ₹1.75 lakh.
Self-employed applicants must demonstrate an Income Tax Return (ITR) of more than ₹21 lakh per annum to qualify for this premium card.
- Age Requirement: Applicants must be at least 21 years old to be eligible for the HDFC Diners Club Black Credit Card.
- Maximum Age: The upper age limit for applicants is typically 60 years for salaried individuals and 65 years for self-employed individuals.
- Employment Status (Salaried): Salaried Indian residents need a minimum net monthly income of ₹1.75 lakh.
- Employment Status (Self-Employed): Self-employed Indian residents must have an ITR of over ₹21 lakh per annum.
- Credit Score: A strong credit history and a high CIBIL score, generally above 750, are for approval.
- Residency: The card is available to Indian residents only.
- Existing Relationship: HDFC Bank may offer pre-approved options to existing customers with a good banking relationship.
- Documentation: Applicants must provide valid KYC documents, income proof, and address proof during the application process.
Meeting these criteria increases the likelihood of approval for the HDFC Diners Club Black Credit Card, a top-tier offering in the Indian market.
Diners Club Black: Rewards Program
The HDFC Diners Club Black Credit Card offers a strong rewards program, primarily focused on travel and high-value spending. Cardholders earn 5 reward points for every ₹150 spent across most retail categories.
These points can be significantly boosted through the HDFC Bank SmartBuy portal, offering up to 10X reward points on specific purchases.
- Base Reward Rate: Cardholders receive 5 reward points for every ₹150 spent on retail purchases, translating to a base reward rate of 3.33%.
- SmartBuy Accelerator: Purchases made via the HDFC Bank SmartBuy portal can earn up to 10X reward points, maximizing value on travel bookings and specific merchant spends.
- Quarterly Milestone Bonus: Spend ₹4 lakh or more within a calendar quarter to earn 10,000 bonus reward points, over and above regular earnings.
- Annual Fee Waiver: The annual fee is waived if total yearly spending reaches ₹8 lakh, making the card effectively free for high spenders.
- Airline & Hotel Transfers: Reward points can be converted to air miles or hotel loyalty points with numerous partners, including Singapore KrisFlyer, Flying Blue, Accor ALL, and Marriott Bonvoy.
- Conversion Ratios: Transfer ratios vary by partner, with some offering 1:1 and others 2:1 conversions, providing flexibility for travel redemptions.
- Redemption Options: Points are redeemable for air miles via the SmartBuy portal, hotel stays, or a wide range of products and vouchers.
The Diners Club Black rewards program provides substantial value, especially for those who use the SmartBuy platform and meet quarterly spending milestones.
Diners Club Black Vs. Infinia Vs. Magnus
The HDFC Diners Club Black Metal Edition Credit Card is a strong alternative to the invite-only HDFC Infinia, scoring 83/100 in 1 Finance’s 2026 Credit Card Ranking. IT offers extensive travel benefits, unlimited lounge access, and a 3.33% reward rate via SmartBuy, catering to high-spending professionals in India.
| Feature | Diners Club Black | HDFC Infinia | Axis Magnus |
|---|---|---|---|
| Card Type | Ultra-premium, Metal Edition | Super-premium, Invite-only, Metal Card | Premium travel card |
| Annual Fee (2026) | ₹10,000 + GST | ₹12,500 + GST | ₹12,500 + GST |
| Fee Waiver Threshold | ₹8 lakh annual spend | Not specified (implied higher) | Not specified |
| Base Reward Rate | 3.33% (via SmartBuy), 1.66% (general) | 3.33% (base), 33% (via SmartBuy) | 4.8% (without accelerated points) |
| Lounge Access | Unlimited (1,300+ lounges in India and abroad for primary and add-on card members) | Unlimited Priority Pass lounges + spouse | Not specified |
| Payment Network Acceptance | Patchy in some Southeast Asian countries, may be rejected by smaller merchants/offline PoS terminals | Visa Signature/Infinite (more widely accepted) | Not specified |
| Salaried Net Monthly Income Eligibility | > ₹1.75 lakh per month | Stringent eligibility criteria | Not specified |
| Self-Employed Annual ITR Eligibility | > ₹21 lakh per annum | Stringent eligibility criteria | Not specified |
| Foreign Currency Markup Fee | 2% | Not specified | Not specified |
| Complimentary Golf Games | 6 per quarter | Complimentary golf games | Not specified |
| Credit Cover Liability | ₹9 lakh | Not specified | Not specified |
| Interest-Free Credit Period | Up to 50 days | Not specified | Not specified |
While the Diners Club Black offers competitive rewards and benefits, its network acceptance can be a limiting factor compared to Visa-powered cards like HDFC Infinia.
Diners Club Black: Application Process
Applying for the HDFC Diners Club Black Credit Card in 2026 involves an online process through the HDFC Bank website. While the standard Diners Club Black card is currently not accepting new applications, the Metal Edition is available for eligible individuals.
Applicants must meet specific income and age criteria, with a minimum age of 21 years for most Diners Club cards.
- Visit the official HDFC Bank website and to the Diners Club Black Credit Card section.
- Look for the ‘Check Eligibility’ or ‘Apply Now’ button on the specific card page, such as the HDFC Diners Club Black Metal Edition.
- Fill out the online application form with personal, financial, and employment details as required.
- Ensure your net monthly income exceeds ₹1.75 lakh for salaried individuals or your ITR is above ₹21 lakh per annum for self-employed applicants for the standard Diners Club Black card.
- For the Diners Club Black Metal Edition, salaried applicants need a net monthly income exceeding ₹2.5 lakh, and self-employed individuals require an annual ITR above ₹30 lakh.
- HDFC Bank will contact you to complete the application, which may include document verification and further processing.
The application process is designed for convenience, allowing most steps to be completed online from the HDFC Bank portal.
Key Takeaways
- The HDFC Diners Club Black Credit Card application is primarily online via the HDFC Bank website.
- Eligibility for the standard Diners Club Black card requires a net monthly income over ₹1.75 lakh (salaried) or ITR over ₹21 lakh p.a. (self-employed).
- The HDFC Diners Club Black Metal Edition demands higher income criteria: over ₹2.5 lakh net monthly income for salaried and over ₹30 lakh ITR for self-employed.
Check your eligibility and apply for the HDFC Diners Club Black Metal Edition Credit Card on the official HDFC Bank website.
Frequently Asked Questions (FAQs)
What are the key benefits of the HDFC Diners Club Black Credit Card in 2026?
The HDFC Diners Club Black Credit Card offers 10,000 bonus reward points on spending ₹4 lakh or more per calendar quarter. IT provides unlimited complimentary lounge access at over 1,000 airports globally and 6 complimentary golf games annually. You also get an annual fee waiver on spending ₹8 lakh or more in a year.
What is the annual fee for the HDFC Diners Club Black Credit Card in 2026?
The HDFC Diners Club Black Credit Card has an annual fee of ₹10,000 plus applicable taxes. This fee is waived if your total spending in the previous year reached ₹8 lakh or more. The card also offers a welcome benefit of 10,000 reward points upon fee payment.
What are the eligibility criteria for the HDFC Diners Club Black Credit Card in 2026?
Salaried applicants need a net monthly income of ₹1.75 lakh or more, while self-employed individuals require an annual income of ₹21 lakh or more. The age requirement is between 21 and 60 years for salaried, and 21 and 65 years for self-employed. A strong CIBIL score, typically 750+, is also .
How do reward points work with the HDFC Diners Club Black Credit Card?
You earn 5 reward points for every ₹150 spent on the HDFC Diners Club Black Credit Card, with accelerated earnings on SmartBuy. These points can be redeemed for air miles, hotel bookings, or products via the SmartBuy portal. Each reward point is valued at up to ₹1 when redeemed for travel.
Does the HDFC Diners Club Black Credit Card offer a fuel surcharge waiver?
No, the HDFC Diners Club Black Metal Edition Credit Card no longer offers a fuel surcharge waiver benefit. This change was implemented to streamline the card’s premium travel and lifestyle focus. Cardholders should consider this when making fuel purchases.
Can I convert large purchases into EMIs with the HDFC Diners Club Black Credit Card?
Yes, the HDFC Diners Club Black Credit Card allows you to convert your big spends into EMIs after purchase. This feature helps manage large expenses by spreading the cost over several months. You can initiate this conversion through HDFC Bank’s net banking or mobile app.
How does the HDFC Diners Club Black Credit Card compare to the HDFC Infinia card?
The HDFC Diners Club Black Credit Card is a top-tier card, often considered a strong alternative to the invite-only HDFC Infinia card. While both offer premium travel and lifestyle benefits, Infinia generally provides higher reward rates and more exclusive perks. Diners Club Black is more accessible for high-spending professionals.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.