HDFC BankHDFC Bank Diners Club Black Credit Card
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HDFC Bank
HDFC Bank Diners Club Black Credit Card
4.5Best for online shopping
Premium
- Joining fee
- ₹10,000
- Annual fee
- ₹10,000
- Welcome bonus
- —
- Forex markup
- 2%
- Interest p.a.
- 23.88%
- Min income
- ₹25,00,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Online shopping Up to 10X Reward Points on SmartBuy. Accelerated earning capped at ~10,000 Reward Points per calendar month across SmartBuy categories. Effective ~33.33% only at Rs. 1/RP redemption. | 33.33% | — | ₹39,996 |
Travel Up to 10X Reward Points on flight/hotel bookings via SmartBuy. Shares the ~10,000 accelerated RP/month cap. Effective ~33.33% at Rs. 1/RP redemption. | 33.33% | — | ₹39,996 |
Everything else 5 Reward Points per Rs. 150 on retail spends. Effective ~3.33% assumes RP redeemed at Rs. 1/RP (catalogue, flights/hotels via SmartBuy, AirMiles). At cashback redemption (~Rs. 0.30/RP) effective value is closer to 1.0%. | 3.33% | — | ₹3,996 |
| All other spends | 3.33% | — | ₹3,996 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹10,000
Annual fee₹10,000
Annual fee waiverRenewal fee waived on annual spends of Rs. 8 lakh in the preceding membership year.
Foreign currency markup2%
Finance charge (p.a.)23.88%
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹16,00,000 | 10,000 bonus Reward Points on spends of Rs. 4 lakh in a calendar quarter (up to 40,000 bonus RP per year across 4 quarters). | ₹40,000 |
Key benefits
- Unlimited complimentary domestic & international airport lounge access at 1300+ lounges for primary and add-on members (Priority Pass)
- 6 complimentary golf games per quarter (up to 24 per year) at participating courses
- 2X Reward Points on weekend dining
- Reward Points redeemable at up to Rs. 1/RP for flights, hotels and AirMiles via SmartBuy; ~Rs. 0.50/RP catalogue; ~Rs. 0.30/RP cashback
- Lower 2% foreign currency markup versus standard 3.5%
What we like
- +Unlimited domestic and international airport lounge access for primary and add-on members
- +High base reward rate of 5 RP per Rs. 150 (up to 3.33% at full RP value)
- +Up to 10X Reward Points on SmartBuy bookings
- +Up to 40,000 bonus Reward Points per year via quarterly spend milestones
- +Low 2% foreign currency markup and 1.99%/month finance charge
What to watch
- −Very high income eligibility (ITR/income of Rs. 21-30 lakh+ per annum)
- −No fuel surcharge waiver
- −High Rs. 10,000 + GST joining and annual fee; waiver needs Rs. 8 lakh annual spend
- −Effective reward value drops sharply if points are redeemed for cashback (~Rs. 0.30/RP)
- −SmartBuy accelerated points are capped at ~10,000 RP per month
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
HDFC BankTata Neu Infinity HDFC Bank Credit Card
- Top reward
- 5%
- Annual fee
- ₹1,499
- Welcome bonus
- ₹1,499 value