HDFC Bank
HDFC Bank Diners Club Black Credit Card
Annual Fee
₹11,800₹10,000 + GSTBase Reward
3.33% points
Foreign Markup
2% + GST
Welcome Benefits
Complimentary Club Marriott, Swiggy One (3 months), MakeMyTrip Black Gold Tier, Amazon Prime & Times Prime Subscription on Spending ₹1,50,000 or More in the First 90 Days of Card Issuance.
Product Highlights
- 5 Reward Points for every ₹150 spent.
- 10X Reward Points on select brands.
- Unlimited lounge access at 1,000 plus airport lounges in India and abroad.
Category Rewards
dining
2X weekend dining
2X
Fee Waiver
Waiver of renewal fee on spending ₹5,00,000 in the previous year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
smartbuy
10X SmartBuy hotels
smartbuy
5X SmartBuy flights
Reward Calculator
Earns ₹12,600/year (net)
Modest gain. Solid hold if you like the perks.
₹19K
across all your buckets
24.4K
HDFC Reward Points
₹24.4K
via smartbuy flights
Effective rate
10.70%
Annual fee
₹11,800
Year 1 net
+₹12,600
Year 2+ net
+₹12,600
ongoing
Adjust your spend by reward bucket
4 bucketsRedemption channels
highest value = bestSmartbuy flights
₹1/pt
Catalogue
₹0.65/pt
Milestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
10,000 bonus reward points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, wallet, rent, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5 Reward Points on every spend of ₹150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining.
- Redeem Points for Flight/Hotel Bookings, Against Cash, or Convert Them to Airmiles.
Benefits & Features
Domestic: Unlimited complimentary access to the domestic lounges. International: Unlimited complimentary access to the international lounges. Unlimited complimentary lounge access for all cardholders.
Pros & Cons
Pros
- Unlimited complimentary domestic and international lounge access.
- 10x Reward Points on SmartBuy portal.
- Complimentary subscriptions including Amazon Prime, Club Marriott, Swiggy One, MMTBLACK, Times Prime.
Cons
- High annual fee of ₹10,000.
- Minimum retail spend of ₹1.5 lakhs required for welcome benefits.
Additional Info
The validity period of reward points is 3 years from the date of the transaction.
A maximum of 5,000 Reward Points can be earned per month on insurance transactions.
Reward Points earned on Utility, Telecom, and Grocery transactions are capped at a maximum of 2,000 points per month.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waiver of renewal fee on spending ₹5,00,000 in the previous year.