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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 · 999 intl

Full Spec Sheet

Normalized · Verified

Fees

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

Rewards

Reward TypePoints
Base Rate3.3%
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. Lounge999 visits/yr
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

HDFC Infinia Metal (99%) →Axis Magnus (99%) →ICICI Emeralde Private (99%) →Yes Marquee (99%) →IndusInd Legend (99%) →

💡 Fee Waiver Strategy

Spend ₹5L to waive annual fee.

⚖️ Breakeven Analysis

To recover the ₹10,000 annual fee at the base reward rate of 3.3%, you need to spend ₹3,03,031 annually.

🎯 Pro Tips

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

🏷️ Best For

premiumdiningtravel