HDFC Diners Club Black
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 33.33% travel · 3.33% dining · 3.33% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
Where this card wins
Pages on CardPilot where HDFC Diners Club Black ranks #1 against every other card we track:
vs Axis Bank Atlas
At ₹50,000/month with 15% travel and 10% dining.
Tools for HDFC Diners Club Black holders
Frequently asked
Is the HDFC Diners Club Black worth the ₹10,000 fee?
It depends on your spend. The HDFC Diners Club Black earns 3.33% base reward and waives the annual fee at ₹8,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for HDFC Diners Club Black?
HDFC hasn't published a hard minimum income for HDFC Diners Club Black. Approval depends on credit score, existing relationship, and employment type.
How do I redeem points on HDFC Diners Club Black?
Best redemption is at Smartbuy flights/hotels, where 1 point ≈ ₹1. Other paths (statement credit, vouchers) usually return less.
What is the forex markup on HDFC Diners Club Black?
Most Indian cards charge 1.5–3.5% forex markup. We're verifying HDFC Diners Club Black's exact rate.
Reward rates and fees are sourced from HDFC's product page and may change. Always confirm with the card issuer before applying.