Diners Club Black Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HDFC Bank
Network: Visa | Tier: Premium
The Diners Club Black Credit Card is a Premium Visa credit card issued by HDFC Bank, best suited for high spenders. It carries a joining fee of ₹10,000, with an interest rate of 3.6% per month. Key benefits include Luxury rewards card, 5 RP per 150, Unlimited lounge, Insurance cover, and Milestones. New cardholders get a welcome benefit of Welcome benefits. On fees — Lounge access: Unlimited lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹18,00,000/year to qualify. It falls under the Super Premium, Travel, Shopping, Fuel, and Rewards category on CreditCardHunt.
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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 — a real advantage for high spenders.
Drawbacks of the Diners Club Black Credit Card
- On the downside: 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:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Platinum Card by American Express — rated 4.8/5, ₹60,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.8/5