HDFC Diners Club Black Credit Card Fees and Charges
| Type of Charge | Amount / Details |
| Joining Fee | ₹10,000 + GST |
| Annual / Renewal Fee | ₹10,000 + GST |
| Annual Fee Waiver | Spend ₹5 lakh (Black) or ₹8 lakh (Metal) in a year to waive the renewal fee |
| Interest Rate | Around 1.99% per month (approx. 23–24% per year) if you don’t pay the full bill |
| Minimum Amount Due | About 5% of the total outstanding |
| Cash Withdrawal Fee | 2.5% of the amount or ₹500 (whichever is higher) |
| Forex Markup Fee | Around 2% on international spends |
| Late Payment Charges | ₹100 to ₹1,300 depending on the due amount |
| Add-on Card Fee | Usually free |
HDFC Diners Club Black Credit Card Eligibility Criteria
Here are the eligibility criteria; check if you meet them to apply for this credit card.
For Salaried Individuals
-
- Must be an Indian resident
- Age: 21 to 60 years
- Net monthly income: Above ₹2.5 lakh
- Credit Score needs to be good
For Self-Employed Individuals
- Must be an Indian resident
- Age: 21 to 65 years
- Annual ITR: ₹30 lakh or more
- Strong and stable financial profile
HDFC Diners Club Black Credit Card Pros and Cons
Pros |
Cons |
| Earn good reward points on spending | ₹10,000 yearly fee + tax |
| Extra rewards on SmartBuy bookings | Need a high yearly spending to waive the fee |
| Free unlimited airport lounge access | Some spending may not earn rewards |
| 6 free golf games every quarter | Not useful if you don’t travel much |
| 24/7 concierge help for bookings | High interest if the bill is not paid fully |
HDFC Diners Club Black Credit Card Rewards and Benefits
Here are the rewards and benefits listed below:-
Rewards on Every Spend
You earn 5 reward points for every ₹150 spent each time you use the card, whether it’s shopping, dining, or paying bills. Booking through HDFC SmartBuy gives you even more points.
Bonus Points for Big Spenders
If you spend a lot of money in one year, you will get bonus points. You can use these bonus points to book flights, stay in a hotel, get gift vouchers, or earn airline miles.
Travel Perks
You can visit airport lounges in India and other countries as many times as you want, and this is available to the main cardholder and the additional cardholders. This makes travelling a lot more comfortable for people who have this card.
Golf and Lifestyle Benefits
You get to play golf 6 times every 3 months, and you can get help from a special service available all the time to book travel, restaurants, and other things you need in your daily life.
Other Benefits
The card also gives you travel insurance for safety during trips, charges a lower 2% fee on international spending, and offers gift vouchers when you meet spending milestones. You also get welcome memberships like Amazon Prime and Club Marriott, a 1% fuel surcharge waiver, and up to 50 days to pay without interest.
HDFC Diners Club Black Credit Card Review
The HDFC Diners Club Black Metal Credit Card is a great choice for frequent travellers, regular spenders, and those who want premium perks. Its unlimited airport lounge access, golf games, concierge services, and strong reward points make it worth the high annual fee, but only if you use these benefits.
If you don’t travel much or don’t spend a lot on your card, paying ₹10,000 every year might not feel worth it, especially since you have to spend a lot to get the fee waived.
In short, this card is really good for people who travel a lot and spend a lot of money because it offers many luxury perks and rewards. For people who do not travel much or do not spend a lot, a simple credit card may be a better option.
Most Card : HDFC Bank INFINIA Metal Credit Card
FAQs
How can I earn reward points?
You earn points on almost all spending. Booking through HDFC SmartBuy will give you up to 10X reward points. Bonus points will be added when you spend a certain amount in a year.
What Travel Benefits are Included with the Card?
The card lets you access all lounges at every airport, whether in your country or another. You also get to play golf six times every few months, and you can call someone for help anytime you are travelling or booking a hotel room.
Can I waive the annual fee?
If you spend approximately ₹8 lakh on your Black Metal Card throughout the year, the ₹10,000 annual fee will be waived.
What happens if I don’t pay my bill on time?
Late payments attract penalty charges and high interest on the outstanding amount, so it’s best to pay the full bill each month.