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 MARQUÉE Credit Card
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.
Reward rates and fees are sourced from HDFC's product page and may change. Always confirm with the card issuer before applying.