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Premium Decision Grade Catalog
HDFC BANK LTD
HDFC Diners Club Black Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium lifestyle credit card with excellent reward rates and comprehensive benefits in travel, dining and entertainment categories
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Unlimited airport lounge access
Highlight 2
5 reward points for every ₹150 spent
Highlight 3
Up to 10X reward points via SmartBuy
Highlight 4
2X reward points on weekend dining
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹10,000
The front-loaded charge when you apply.
Annual fee
₹10,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹10,00054% Offset
Earns back 54% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Unlimited lounge access (effective April 1, 2025 requires min. quarterly spend of ₹1 lakh)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Premium Tata ecosystem card offering excellent value for Tata brand loyalists with effective 10% return on select categories and lounge benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Base Rate: 1% cashback on all other retail spends
- RP to Rupees: 1 Supercoin = ₹1
- Accelerated Rewards Program: 5% cashback on Amazon, Flipkart, Flight & Hotel bookings via PayZapp/SmartBuy (min ₹2,000 transaction)
- 5% cashback on all online spends (min ₹2,000 transaction)
Cons
- Welcome Offer: 1,000 reward points on payment of joining fee
- Travel (Hotels & Other): Unlimited lounge access (effective April 1, 2025 requires min. quarterly spend of ₹1 lakh)
- Dining: 25% luxury dining
- Lifestyle and Fashion: Enhanced Croma/Star offers
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