CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

Diners Club Black

71
Ranked #9 of 170 in credit
creditDinersPremiumLegacy · discontinued

HDFC's premium Diners Club-network card (now Metal Edition) offering unlimited global lounge access, strong SmartBuy rewards, and bundled lifestyle memberships as an alternative to invite-only Infinia.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value79/100 · weight 71%
≈ 3.93% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.
Fee efficiency41/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks40/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹10,000 + 18% GST
= ₹11,800 total
Annual fee
₹10,000 + 18% GST
= ₹11,800 / year total
Waiver: Renewal fee waived on annual spend of Rs 8 lakh (Metal Edition threshold; older plastic version was Rs 5 lakh, now discontinued)
Forex markup
2%

Lounge access

Domestic (per year)
-1
International (per year)
-1

Reward structure

CategoryTypeRateCapNotes
food_deliverypoints16.65%(16.65 pts @ ₹1.00)₹37,500 / monthly5X RP on Swiggy/Zomato online food orders, additional 4X capped at 2,500 RP/month
travelpoints2.50%(10 pts @ ₹0.25)—10X on SmartBuy
all_spendspoints3.33%(3.33 pts @ ₹1.00)—5 RP per Rs 150 spent on retail transactions
diningpoints0.82%(3.3 pts @ ₹0.25)—5 pts / Rs 150
fuelpoints0.00%(0 pts @ ₹1.00)—No reward points on fuel transactions

Welcome offer

Complimentary annual memberships of Amazon Prime, Club Marriott, Swiggy One, MMT BLACK, Times Prime (varies by source/version) on fee realisation or Rs 1.5 lakh spend in first 90 days

Milestone benefits

Pros

  • 3.33% base reward rate, up to 33% via SmartBuy
  • unlimited global lounge access incl. add-on
  • bundled premium subscriptions (Amazon Prime, Club Marriott etc)
  • strong insurance cover
  • lower fee than Infinia with similar benefits

Cons

  • Diners Club network has weaker merchant acceptance vs Visa/Mastercard, especially internationally
  • high fee
  • high income eligibility
  • no reward points on fuel/e-wallet/education spends

What's inside

More benefits

  • Complimentary lifestyle memberships

    ₹8,000

    Complimentary annual membership of Amazon Prime, Club Marriott, Swiggy One, MMT BLACK, Times Prime (varies by version)

    Cap ₹8,000 / yearly. On fee realisation or Rs 1.5 lakh spend in first 90 days

  • Complimentary golf games

    ₹3,000

    6 complimentary golf games every quarter at leading golf courses in India and worldwide

    Cap ₹72,000 / quarterly. Advance booking required

  • BookMyShow Buy 1 Get 1

    ₹250

    Buy 1 Get 1 on weekend movie tickets, up to 2 free tickets/month, max Rs 250/ticket

    Cap ₹6,000 / monthly. Weekend shows (Fri-Sun) via BookMyShow

Insurance cover

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Eligibility

text
Salaried net monthly income > Rs 2.5 lakh (Metal Edition) or self-employed annual income > Rs 30 lakh; age 21-60 (salaried), 21-65 (self-employed)

Small print

Fuel surcharge:1% fuel surcharge waiver on transactions above Rs 400, capped at Rs 1,000 per statement cycle