Diners Club Black Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: HDFC Bank
Network: Visa | Tier: Premium
The HDFC Diners Club Black Credit Card is a premium offering designed for frequent travelers and high-net-worth individuals. It boasts an exceptional base reward rate of 3.33%, scaling up to 33% via HDFC's SmartBuy. Cardholders enjoy unlimited worldwide airport lounge access for primary and add-on members, a low 2% forex markup, and six complimentary golf games per quarter. Additional perks include comprehensive travel insurance, premium lifestyle memberships like Amazon Prime, and 1:1 reward point redemption for flights and hotels.
Why Choose the Diners Club Black Credit Card?
The Diners Club Black Credit Card is a Premium-tier Visa credit card issued by HDFC Bank, rated 4.8/5 by the Credit Card Hunt editorial team. It is best suited for High spenders. With a reward rate of 5 RP per 150 and an annual fee of ₹10,000, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with Welcome benefits, which adds immediate value in the first year.
Diners Club Black Credit Card Fees & Charges
| Annual Fee | ₹10,000 |
|---|---|
| Joining Fee | ₹10,000 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Diners Club Black Credit Card Rewards & Benefits
| Reward Rate | 5 RP per 150 |
|---|---|
| Welcome Bonus | Welcome benefits |
| Lounge Access | Unlimited lounge |
| Best For | High spenders |
Key Highlights of the Diners Club Black Credit Card
- Luxury rewards card
- 5 RP per 150
- Unlimited lounge
- Insurance cover
- Milestones
Diners Club Black Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 800+
- Minimum income: ₹18
- 00
- 000/year
Minimum Income Required: ₹18,00,000/year
Advantages of the Diners Club Black Credit Card
- Top reward rate
Drawbacks of the Diners Club Black Credit Card
- High fee
Diners Club Black Credit Card — Frequently Asked Questions
What is the annual fee of the Diners Club Black Credit Card?
The Diners Club Black Credit Card has an annual fee of ₹10,000 and a joining fee of ₹10,000. New cardholders receive Welcome benefits as a welcome benefit, which helps offset the joining cost.
Does the Diners Club Black Credit Card offer airport lounge access?
Yes — the Diners Club Black Credit Card offers Unlimited lounge.
Who is eligible for the Diners Club Black Credit Card?
The minimum income requirement is ₹18,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Diners Club Black Credit Card?
The Diners Club Black Credit Card earns 5 RP per 150. It is best suited for High spenders.
Credit Cards Similar to the Diners Club Black Credit Card
If you are considering the Diners Club Black Credit Card, these super premium credit cards are worth comparing before you apply:
- Platinum Card by American Express (Amex) — rated 4.8/5, ₹60,000 annual fee
- Axis Magnus by Axis Bank — rated 4.7/5, ₹12,500 + GST annual fee
Expert Rating: 4.8/5