✓ Verified Mar 2026Fees: T1Rewards: T1
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HDFC Bank

HDFC Diners Club Black

Diners ClubUltra-PremiumPoints
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Annual Fee

₹10,000

Reward Type

Points

Forex

2%

Lounge

∞ dom · ∞ intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹10,000
Annual Fee₹10,000(waived ≥ ₹5,00,000)
Min Monthly Income₹1,75,000

Rewards

Reward TypePoints
Base Rate5%
Point Value₹1/point

Category Multipliers

smartbuy33.3%(cap ₹7,500)weekend dining6.6%

Redemption Values

flights₹1/pt
hotel transfer₹1/pt

Travel & Global

Forex Markup2%
Domestic LoungeUnlimited ✓
Intl. LoungeUnlimited ✓
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

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HDFC Infinia Metal (99%) →SBI Aurum (99%) →Yes Marquee (99%) →AU Zenith+ (98%) →Axis Magnus for Burgundy (98%) →

💡 Fee Waiver Strategy

Spend ₹5L to waive annual fee.

⚖️ Breakeven Analysis

To recover the ₹10,000 annual fee at the base reward rate of 5%, you need to spend ₹2,00,000 annually.

🎯 Pro Tips

  • ▸Acceptance can be lower offline than Visa/MC
  • ▸Unlimited lounge access is a key perk

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹50,000

Effective Rate

4.2%

Ranked #5 of 173 cards🏆 Top 10

₹10,000 annual fee deducted from gross rewards value.

🏷️ Best For

premiumdiningtravel