HDFC Diners Black
HDFC · Super Premium · Diners Club
Annual Fee
₹10,000
Fee Waiver
₹5L annual spend
Lounge Access
Unlimited
Best Rate
3.33%
Network
Diners Club
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
3.33%
✈️Travel
3.33%
🛒Online Shopping
3.33%
🥦Groceries
3.33%
💡Utilities
3.33%
🎬Entertainment
3.33%
🛍️Shopping
3.33%
⛽Fuel
0%
How Points Work
5 points/₹150 · 1pt = ₹0.50 cashback or ₹1.00 travel · 10x SmartBuy · 75K pts cap/cycle
💡
Redemption matters
Rate shown (3.33%) assumes travel redemption at ₹1/point via SmartBuy. Cashback value is ₹0.50/point (1.66%). SmartBuy bookings can reach 33%.
🚀 Boosted Rates (Partners & SmartBuy)
SmartBuy (flights/hotels/vouchers)up to 33.33%
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Unlimited domestic + intl loungeAmazon Prime/Swiggy One/MMT Black10x SmartBuyFee waiver ₹5L
PROS
✅ 3.33% on everything
✅ Unlimited lounge access
✅ Free memberships (Prime, Swiggy One, MMT)
CONS
⚠️ Diners Club acceptance limited in India
⚠️ ₹10K + GST fee
⚠️ Fuel excluded
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