HDFC Bank Diners Club Black Credit Card – Rewards & Benefits

The HDFC Bank Diners Club Black Credit Card stands among the finest premium cards in India. It comes in metal and non-metal variants, though the non-metal version is not sourced at present.

This HDFC Diners Club Black Credit Card gives strong value through top memberships like Club Marriott, Times Prime, Amazon Prime, and Swiggy One. Cardholders earn 5 Reward Points for every ₹150 spent, along with up to 10X Reward Points on the SmartBuy platform.

Let us explore the other unmatched lifestyle and reward advantages.

HDFC Diners Black Credit Card Benefits

The card offers 2X rewards on weekend dining, along with six golf games every quarter.

You also get 24×7 concierge support for travel and lifestyle needs.

These perks set a strong base for a premium experience. The card then adds deeper value across travel, lifestyle, and milestone rewards.

1. Travel Benefits

Enjoy unlimited lounge access at 1,300+ airports in India and worldwide for both primary and add-on users. Foreign currency spend attracts a 2% markup and offers stable value on international trips.

Note: You can redeem up to 70% of the booking value through Reward Points on eligible travel spends.

2. Lifestyle Benefits

Get access to luxury spas across India at special rates. Earn 2X points on weekend dining at standalone restaurants, capped at 1,000 points per day. The card also brings curated offers on workspaces, business insurance, and wellness services.

Note: Lounge access remains unlimited at 1,000+ lounges for both primary and add-on members.

3. Milestone Benefits

Earn 10,000 Bonus Reward Points on spends of ₹4 lakh each calendar quarter. Spend ₹8 lakh in a year to get the renewal fee waived. Monthly spends above ₹80,000 unlock complimentary vouchers for Ola Cabs, Cult Fit Live, BookMyShow, and TataCliQ.

Insurance Benefits with the HDFC Bank Diners Club Black Credit Card

The card gives ₹2 crore air accident cover and ₹50 lakh overseas hospitalisation cover. It also provides travel insurance up to ₹55,000 for baggage delays beyond eight hours on international flights. These protections add strong value for frequent travellers.

Note: The card also offers credit liability protection up to ₹9 lakh. This safeguards you against fraudulent or unauthorised charges if the card is lost or misused.

Suspecting some questionable transactions? Download your credit card statements through the Pice App and keep track of all your expenses. Download the App TODAY!

Must reads

Federal Bank Credit Card Lounge Access: Types, Benefits, and Eligibility

• 9 Oct 25
• 5 mins

Can I Buy Mutual Fund With Credit Card?: Everything You Need to Know

• 30 Oct 25
• 10 mins

Reward Redemption Value Across Categories

Diners Black HDFC Credit Card Reward Points can be redeemed on SmartBuy or NetBanking. Each platform hosts separate options for travel, lifestyle, merchandise, vouchers, and cashback.

1. Flights and Hotels on SmartBuy: Each Reward Point carries a value of ₹1. This is one of the highest redemption values offered by any premium card in India.
2. Airmiles Conversion: You can convert Reward Points into airmiles at a value of up to 1 Airmile per point.

Note: However, as per updated rules, 2 Reward Points convert to 1 Loyalty Point for Turkish Miles, Accor, and Avianca LifeMiles. This has been effective since 15th Jan 2024. 

3. Products and Vouchers: Redemptions through the catalogue give up to ₹0.50 per point. This is useful for electronics, accessories, luxury items, and gift vouchers from partner brands.
4. Cashback: Cashback carries a value of up to ₹0.30 per point. It is credited directly against your card statement. This is ideal for customers who prefer a direct bill offset.

HDFC Diners Black Credit Card Eligibility

The card is open to high-income Indian applicants.

• Salaried users must be 21–60 years old with a monthly income above ₹2.5 lakh.
• Self-employed applicants must be 21–65 years old with an annual income above ₹30 lakh.

HDFC Bank Diners Club Black Credit Card Fees and Charges

The card has a ₹10,000 + GST renewal fee, which the bank waives once yearly expenses pass ₹8 lakh. The other important charges are:

Note: Foreign currency transactions attract a 2% dynamic currency conversion fee, added to your statement within 60 days.

Must reads

How to Get First Credit Card in India: Complete Guide

• 22 Oct 25
• 13 mins

Unlock Premium Travel Rewards with the Air India SBI Signature Card

• 4 Dec 25
• 6 mins

Key Points if You Hold an HDFC Bank Diners Club Black Credit Card

Reward rules on the Diners Club Black card stay strict, so it helps to track a few important limits. Some spend do not earn points at all, while others carry caps.

• Fuel, EasyEMI, e-wallet loads, rent payments, government spending, and select education merchants do not earn Reward Points.
• Utility, telecom, and grocery spends earn points up to 2,000 per month.
• Insurance spends earn points, but are capped at 5,000 per day.
• Points remain valid for 3 years. However, if the card stays unused for 365 days, all points lapse.

Tired of tracking every credit card payment? Fix a single payment date and clear all your bills effortlessly through the Pice App. Manage payments smarter, avoid late fees, and stay in control. Download the app today.

FAQs