HDFC Bank Diners Club Black Credit Card

Joining feeRenewal fee

₹10,000 + GST

Fee waiver rule

On annual spends of ₹5 lakh, get ₹10,000 renewal fee waived off on your Diners Club Black Credit Card

Add-on card fee

₹0

Reward rate

5 Reward Points per ₹150 · everyday spends5 Reward Points for every ₹150/- spent.

Fuel earning

Reward Points will not be accrued on fuel transactions.

Groceries earning

Reward Points earned on Grocery transactions capped at 2000 per month.

Rent earning

Rent payments will not earn Reward Points.

Reward earning on dining spends

5X reward points on popular dining platforms like Swiggy and Zomato.

Travel earning

Up to 10X Reward Points on hotels and flight bookings on SmartBuy

Wallet load earning

E - wallet loading transaction will not accrue Reward Points.

Reward exclusions

Government related transactions will not earn Reward Points /CashPoints on all the cards.

Reward caps

The maximum reward points that can be earned in a statement cycle for Diners Black Metal Edition, Diners Black Card is 75,000

Catalogue redemption

1 Reward point Equivalent to SmartBuy (Flight and hotel bookings) ₹1.

Flight redemption

SmartBuy (Flight and hotel bookings) ₹1.

Hotel redemption

For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.

Point expiry

Reward points are valid for 3 years.

Airline and hotel partners points may move to

Airmiles conversion Up to 1.0 Airmile

Lounge benefit

Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members.

International lounge access

Diners Club Credit Cardholders can use their credit card to avail lounge access outside India.

Dining programme

Earn 2X Reward Points on Weekend Dining on participating restaurants.

Golf

6 Complimentary Golf games every quarter across the finest courses in the world.

Benefit given each anniversary year

Complimentary Annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK on 8 Lac spends in anniversary year

Milestone benefits

Spend ₹80,000 or more to avail 2 voucher worth ₹500 from Tata Cliq, Uber, Book My Show or Cult Fit.

Movie or entertainment ticket benefit

Buy 1 Get 1 Free on entertainment through BookMyShow.

Statement-credit redemption

Cashback up to ₹0.30

Surcharge on railway tickets

1% of the transaction

Air accident cover

Air Accident Insurance

Credit shield cover

Credit Shield of up to ₹9,00,000

Lost card liability

Card liability cover of ₹900,000.

Medical and hospitalisation cover

Emergency overseas hospitalisation cover

Travel insurance

Travel Insurance cover on baggage delay.

Add-on card eligibility

All HDFC Bank credit card members can avail of up to 3 add-on cards where the limit on the primary credit card is shared with the add-on card members

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Purchase to EMI conversion

Option to convert your big spends into EMI after purchase available on Diners Club Black Credit Card.

Forex markup

2% on foreign currency transactions.2% on all foreign currency spends

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

1.99% Monthly 23.88% Annually

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

Finance charges: 1.99% Monthly, 23.88% Annually.

Interest-free period

Up to 50 days of interest-free Credit from the date of purchase

Late payment fee

Nil to ₹1,300 (excl. GST), by bill amount

Over-limit fee

Over limit charges: 2.5% of the overlimit amount subject to minimum of ₹550, applicable on total outstanding exceeding the Credit Limit

Payment return or dishonour fee

2% of the payment amount (minimum ₹450)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee will be levied on Education transactions done through third party applications.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500 whichever is higher on the amount withdrawn.

Reward redemption fee

No processing fee for any redemption request.

Wallet load charge

1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

What the card's fee or benefit year means

Spend ₹5 lakh in 12 months and enjoy a renewal fee waiver for the next renewal year.

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards, capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards, capped at ₹4999 per month.

GST note

GST applicable on all fees, interest and other charges

Minimum amount due

Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)