This card is no longer available for new applications. Existing cardholders can continue using their card.

HDFC

Diners Club Black Credit Card

Good for frequent travelers with unlimited lounge access.

Should you keep it?

Conditional fit

Confirm terms with the issuer

Why this card

  • Unlimited lounge access is a clear travel strength.
  • Forex markup is low at 2%.
  • You use airport lounges often.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹10,000) is waived only when eligible annual spend exceeds ₹5,00,000.

Annual fee ₹10,000 per year
Rewards 5 pts / ₹150
Lounge access ∞ unlimited domestic + international
Forex markup 2% low

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend5 pts / ₹150Credited as reward points75,000 points per month; at 5 pts / ₹150, this lane reaches the cap at ₹22,50,000 of eligible spend

Redemption value

What a Reward Point is worth

  1. Travel₹1 / pt
  2. Catalogue₹0.5 / pt
  3. Cash redemption value₹0.30 per Reward Point

How to avoid the annual fee

Spend threshold for waiver
Above ₹5L annual eligible spend required for the waiver

Above ₹5L eligible annual spend waives the fee

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

5 points per ₹150 on eligible spend

Verified value

₹1 per point

Travel

Ranking floor

₹0.3 per point

(conservative floor)

₹1 per point (best documented)

Caps

  • General spend75,000 points per month
    Why?

    at 5 pts / ₹150, this lane reaches the cap at ₹22,50,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

Self-employed applicant

Minimum age
21 years or oldersecondary
Net monthly income
Above ₹1,75,000secondary
Annual ITR
Above ₹21,00,000issuer-stated

Attestation differs per figure — see each tag

Salaried applicant

Net monthly income
Above ₹1,75,000

Issuer-stated · not yet decision-readyIssuer source

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹5,00,000yearAnnual fee waiver

Watch outs

Before choosing this card
  • Annual fee is ₹10,000, so value depends on actual usage.
  • Fee waiver requires spend above ₹5,00,000 annually.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Up to ~1,670 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
  • Worth ~₹500 at the conservative redemption floor
  • 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 facts
Benefits

Lounge Access

Domestic (cardholder)
Unlimited · verified 6 Jul 2026 Unlimited lounge access for primary and add-on card members.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
International (cardholder)
Unlimited Unlimited lounge access for primary and add-on card members.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
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 at the cash-redemption floor; up to ~3.333% through documented travel redemption · 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 3 years after earning · verified 17 Aug 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

Annual fee
₹10,000
Joining fee
₹10,000 · verified 4 Sept 2026
Fee waiver spend
Above ₹5,00,000 · verified 10 Jun 2026 Annual fee waived on eligible anniversary-year spend above ₹5,00,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
2%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Super-premium

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions of ₹400+.
  • Maximum waiver ₹1,000 per month.
  • Fuel transactions do not earn reward points.

Fine print & compare

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • General cap: 75,000 points per month; at 5 pts / ₹150, this lane reaches the cap at ₹22,50,000 of eligible spend.
  • After the General cap is reached, further spending in that lane earns no rewards.

Exclusions

These spends do not earn reward points.

Payments

  • Rent
  • Government payments

Financial

  • Fuel
  • Wallet loads

Latest update

  • Annual fee: ₹10,000.
  • Forex markup currently listed at 2%.
  • Unlimited domestic lounge · Unlimited international.

Common questions

From verified card facts

Is 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 above ₹5,00,000 annual spend. Verify eligible spend exclusions before counting on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 6 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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