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HDFC Diners Club Black

DINERS CLUB

🇮🇳 India · HDFC Bank

HDFC Diners Club Black

Name: HDFC Diners Club Black
Brand: HDFC Bank
Rating: 4.8 (50 reviews)

Frequent travelers spending ₹2L+/month

4.8 / 5

Joining fee

₹10,000

Annual fee

₹10,000

Top reward

33%

Min income

₹1,750,000

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5-year value calculator

How much HDFC Diners Club Black actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹86,880

Annual fee₹0 (waived ✓)

Cumulative net value

+₹434,400

over 5 years

Year 1

₹86,880

+₹86,880/yr

Year 2

₹173,760

+₹86,880/yr

Year 3

₹260,640

+₹86,880/yr

Year 4

₹347,520

+₹86,880/yr

Year 5

₹434,400

+₹86,880/yr

Year 1 (with bonus)

₹86,880

Year 2+ (steady state)

₹86,880/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else

3.3%

📈

travel

33%

Capped at ₹75,000 per year

📈

🎁

Welcome bonus

Annual fee waiver + 10,000 reward points

What you get

10x reward points on SmartBuy partners (flights, hotels)
6 complimentary international lounge visits per quarter (Priority Pass)
Unlimited domestic lounge access
2 complimentary golf rounds per month at 280+ courses
Annual memberships: Amazon Prime, Swiggy One, Disney+ Hotstar, Times Prime
Low forex markup: 2%

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,750,000

Min credit score

800+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the HDFC Diners Club Black

The SaaS subscriptions where HDFC Diners Club Black earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹4,63,429/yr.

Top match

Big forex win