The HDFC Bank Diners Club Black Credit Card is one of the most powerful premium credit cards in India, offering unmatched value to frequent travellers, high spenders, and lifestyle seekers. From up to 33% reward value via SmartBuy to unlimited international lounge access, premium memberships, and milestone benefits, this card is a feature-packed powerhouse.
Let’s break down the complete details, eligibility, and accurate reward calculations to help you assess the true value of this card.
At a Glance: Reward Rate from 3.33% to 33%
Spending Channel/Category
Reward Points / ₹150
Approx. Value Back
Regular Spends
5
3.33%
SmartBuy (Hotels, Jockey)
10X = 50
33%
SmartBuy (Flights, Nykaa, Zoom)
5X = 25
16.50%
SmartBuy (IRCTC, Vouchers, Apple)
3X = 15
10%
Weekend Dining
2X = 10
6.60%
Insurance, Utilities, Grocery
5
3.33%
Fuel, Wallet Load, Rent, Govt
No Rewards
0%
Fees & Welcome Benefits
Category
Details
Joining Fee
₹10,000 + GST
Annual Fee
₹10,000 + GST (waived on ₹5L spend)
Add-on Card
Free
Welcome Offer
Premium Memberships on ₹1.5L spend in 90 days: Club Marriott, Amazon Prime, Swiggy One (3 months), Times Prime, MMT Black
Renewal Offer
Same memberships renewed on ₹8L spend/year
Eligibility Criteria
Type
Age
Income Requirement
Salaried
21 – 60 yrs
₹2.5L Net Monthly Income
Self-Employed
21 – 65 yrs
ITR > ₹30 Lakhs annually
Detailed Reward Structure
Base Rewards
Spend Type
Reward Points
Max Cap
All Retail Spends
5 RP / ₹150
75,000 RP/month
Insurance
5 RP / ₹150
5,000 RP/day
Grocery
5 RP / ₹150
2,000 RP/month
Weekend Dining
10 RP / ₹150 (2X)
1,000 RP/day
Fuel, Wallet, Rent
No Rewards
–
SmartBuy Rewards
Platform
Multiplier
Value (₹1/Point)
Hotels, Jockey
10X
33%
Flights, ZoomCar, Nykaa
5X
16.50%
IRCTC, Vouchers, Apple
3X
10%
Flipkart
2X
6.60%
SmartBuy Caps:
▪️ Max 2,500 RP/day ▪️ Max 7,500 RP/month
Milestone Benefits
Spends
Reward
₹80,000/month
Vouchers worth ₹1,000: Choice of BookMyShow, TataCLiQ, Ola, cult.fit
₹4 Lakhs/quarter
10,000 Bonus Reward Points
₹8 Lakhs/year
Renewal of all welcome memberships
Travel Benefits
Unlimited Airport Lounge Access
Over 1,000 lounges worldwide
Access via card – no separate Priority Pass needed
Applicable for primary and add-on members
Foreign Currency Markup: Just 2% + GST (lower than most premium cards)
Travel Insurance:
Air Accident Cover: ₹2 Cr
Overseas Hospitalisation: ₹50 Lakh
Baggage Delay Cover: ₹55,000
Dining & Lifestyle Benefits
Benefit
Details
Swiggy Dineout – Good Food Trail
Flat 10% extra off on 35,000+ restaurants
Weekend Dining
2X RP = 6.6% value back
Golf Games
6 complimentary rounds per quarter globally
Concierge
24×7 global concierge support
Contactless Payments
Tap & pay under ₹5,000 without PIN
Redemption Options
Redemption Type
Value per Point
Max Redeemable
Flights/Hotels via SmartBuy
₹1.00
75,000 RP/month (max 70% booking)
Airmiles Transfer
Up to 1 Airmile per RP
Partners include Vistara, Singapore, Etihad
Gift Vouchers/Catalogue
₹0.20 – ₹0.50
Depends on item
Cashback
₹0.30
50,000 RP per redemption
Top Transfer Partners include:
▪️ Singapore Airlines (KrisFlyer) ▪️ Vistara (Club Vistara) ▪️ Etihad Guest ▪️ British Airways Executive Club ▪️ InterMiles ▪️ Accor (2:1), United (2:1), etc.
Charges & Other Details
Charge Type
Amount
Finance Charges (APR)
23.88%
Cash Advance Fee
2.5% or ₹500
Overlimit Penalty
2.50%
Card Replacement Fee
₹100
Reward Redemption Fee
Nil
Late Payment Charges
₹100 – ₹1,300 (tiered)
Smart EMI & Credit Liability Cover
Convert large purchases into Smart EMI after the transaction
Credit Liability Cover of up to ₹9 Lakh
Up to 50 days interest-free credit
Comparison Example: ₹1 Lakh Monthly Spend
Spending Category
Value Back (₹)
Travel via SmartBuy
₹10,000
Dining (Weekend)
₹666
Insurance
₹666
Grocery + Utility
₹1,000
Other Retail
₹333
Total Monthly Value
₹12,665
Annualised Value
₹1.5+ Lakhs
Is HDFC Diners Club Black Worth It?
Go for this card if:
You spend over ₹5L/year and want luxury perks
You book flights/hotels often and can leverage SmartBuy
You want global lounge access and airmile conversions
You dine out frequently or spend on high-value lifestyle categories
Avoid if:
You mostly use cards offline in rural areas (acceptance is limited)
You want flat cashback without managing reward categories
You don’t plan to spend over ₹80K/month to maximize benefits
Disclaimer: The benefits, rewards, and features mentioned in this article are subject to change at HDFC Bank’s discretion. Please verify the latest terms and conditions on the official HDFC Bank website before applying or making transactions. Reward rates and cashback values may vary depending on usage patterns, caps, and merchant categories. MobiKwik cashback offers are governed by MobiKwik’s internal promotional terms.
Pay your HDFC Diners Club Black Credit Card bill seamlessly using the MobiKwik App and enjoy unlimited cashback with instant settlement—fast, secure, and rewarding!
Q1. What is the base reward rate on this card? A1. 3.33% (5 points per ₹150 spent).
Q2. How many reward points can I earn in a month? A2. Up to 75,000 RP per statement cycle.
Q3. Are fuel, rent, and wallet loads eligible for rewards? A3. No. These categories earn zero reward points.
Q4. Can I get the annual fee waived? A4. Yes, spend ₹5 Lakhs in a year to get next renewal fee waived.
Q5. How long are the points valid? A5. Reward Points are valid for 3 years from the date of credit.
The HDFC Bank Diners Club Black Credit Card is undoubtedly one of the best premium credit cards in India today. If used optimally, it delivers incredible returns, easily justifying its ₹10,000 fee. For frequent fliers, premium shoppers, and high-spend individuals, it’s a total winner.
