Verified value
₹1 per point
Travel
This card is no longer available for new applications. Existing cardholders can continue using their card.
Should you keep it?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 2%.
- You use airport lounges often.
Trade-off
The annual fee (₹10,000) is waived only after ₹5,00,000 of eligible annual spend.
Annual fee ₹10,000 per year
Rewards 5 pts / ₹150
Lounge access ∞ unlimited domestic
Forex markup 2% high
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend5 pts / ₹150Does not earn on 75,000 points per month; at 5 pts / ₹150, this lane reaches the cap at ₹22,50,000 of eligible spend
- fuel
- govt
- rent
- wallet load
Redemption value
What a Reward Point is worth
- Travel₹1 / pt
- Catalogue₹0.5 / pt
- Cashback₹0.3 / pt
Annual fee break-even math
When does this card pay for itself ₹10L
Conservative yearly spend needed at the ₹0.30-per-point ranking floor.
Best documented case: about ₹3L at ₹1 per point.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getRanking floor
₹0.3 per point
(conservative floor)
₹1 per point (best documented)
Base earn
5 points per ₹150
(~1% base, up to 3.333% via transfers)
Caps
- General spend75,000 points per month
Why?
at 5 pts / ₹150, this lane reaches the cap at ₹22,50,000 of eligible spend
No reward on
- Rent
- Government payments
- Fuel
- Wallet loads
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹5,00,000yearAnnual fee waiverhighstrong
Watch outs
Before choosing this card- Annual fee is ₹10,000, so value depends on actual usage.
- Fee waiver requires ₹5,00,000 annual spend.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,670 pts/month (base earn · uses base/general earn rate)
- Fee waiver achievable at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026
5 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Unlimited
5 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Guest access
- Guests: paid access
Lounge network
Rewards
- Points per ₹150
- 5 points per ₹150 value depends on redemption
- Effective return (honest floor)
- ~1% base, up to 3.333% via transfers · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹1.00 per Reward Point (Travel) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
Insurance Cover
- Air accident cover
- ₹2 crore · verified 5 Jul 2026
- Emergency medical cover
- ₹50 lakh · verified 5 Jul 2026
- Lost card liability cover
- ₹9 lakh · verified 5 Jul 2026
- Underwriter
- Insured by HDFC ERGO General Insurance Company Limited · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 1.99% / month
- Annual fee
- ₹10,000
- Joining fee
- ₹10,000
- Fee waiver spend
- ₹5,00,000 · verified 10 Jun 2026 Above catalog median waiver (₹2,00,000 vs ₹5,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
5 sources agree · verify issuer terms before applying
Where to verify
- HDFC Diners Black Official Extract
- HDFC official page
- CardInsider
- BankBazaar
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions of ₹400+.
- Maximum waiver ₹1,000 per statement cycle.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap:75,000 reward points per month; at 5 reward points / ₹150, this lane reaches the cap at ₹22,50,000 of eligible spend.
- After a category cap is reached, further spends earn nothing in that category.
Exclusions
These spends do not earn reward points.
Payments
- Rent
- Government payments
Financial
- Fuel
- Wallet loads
Redemption & expiry
- Travel redemption: 70% of flight and hotel booking value — The remaining amount will have to be paid via Credit Card
Latest update
- Annual fee: ₹10,000.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies at ₹5,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Learn more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - Forex markup bands
0% vs 3.5% — which cards publish what - HDFC SmartBuy
Accelerators, caps, and traps