HDFC Diners Club Black Credit Card 2025
As an individual who flies very frequently, a lover of all things luxurious, a golf freak, or a person spending a considerable amount of money on your credit card, you simply have to lay your hands on this HDFC Diners Club Black Credit Card—the credit card is definitely among the crème de la crème in the Indian credit card market!
The card provides you access to lounges all over the world, a high points system, golf games for free, a 2% charge on forex, and your annual fees will be waived if you spend ₹8 lakh in a year.
The reward points will remain valid for a period of 3 years. They can be used in order to redeem travel, hotel stays, Apple devices, Tanishq vouchers, and purchases in Amazon/Flipkart, among other things.
How is this the best super-premium card available in India in 2025?
Global Lounge access • High Rewards (Up to 3.33% return) • Free golf games (6 in a quarter) • Only 2% Forex charges • Welcome benefits on spending ₹1.5L in 90 days • 24/7 Concierge • Rewards expire in 3 years • Annual fee waiver on ₹8L spend
Suitable for: Frequent travelers, golf players, High-end spenders, international travelers, Persons with a luxurious lifestyle
Important Note: No official Lifetime Free (LTF) offer exists. Annual fee waiver requires ₹8 Lakh spend.
Card at a Glance
₹10,000 + GST (No official LTF offer)
₹10,000 + GST (Waived on ₹8 Lakh/year spend)
5 RP per ₹150 (3.33% return)
Unlimited Domestic & International
6 free games per quarter
Only 2% + GST
- No Official LTF: The card is not officially a Lifetime Free card. Annual fees are ₹10,000 + GST, which will be waived if ₹8 lakh is spent in a membership year.
- Expiration of Reward Points: The reward points will expire 3 years from the date of earning the points.
- Rewards Exclusions: Reward points will not be earned on fuel, rent, reloads of wallets, or payment to the government.
Complete Fees & Charges
| Particular | Details |
|---|---|
| Joining Fee | ₹10,000 + GST (Can be exempt for selective HDFC accounts)* |
| Annual Fee | ₹10,000 + GST (Free on ₹8 lakh spend) |
| Welcome Benefit | Premium membership benefits such as Club Marriott membership on spending ₹1.5 lakh in first 90 days |
| Monthly Milestone Reward | Choice among two vouchers of ₹500 when ₹80,000 is spent |
| Rewards Redemption Fee | 0 |
| Foreign Currency Markup | 2% + GST |
| Add-on Card Fee | ₹1,000 + GST |
| Reward Points Validity | 3 years from date of receipt |
Detailed Reward Rates (2025)
- Basic Reward: 5 reward points for each ₹150 spent (3.33% return value).
- Exclusions: No reward points for fueling, wallet reloads (Paytm, etc.), government payments, rent payments.
- SmartBuy Portal: Bonus points on flights, hotels, and gift vouchers bought through HDFC SmartBuy.
- Redemption Value: 1 Reward Point = ₹0.25 to ₹1 based on mode of redemption.
Airport Lounge Access (2025)
Unlimited access to over 1,300 lounges internationally with Diners Club & Priority Pass.
Free guest access: cardholder plus 1 guest free in most lounges.
Add-on cardholders are also provided with their own unlimited access.
Golfing Privileges
- 6 free golf games each quarter at participating courses.
- Free golf rounds at upmarket golf clubs in India and other countries.
- Book with the concierge or via the Diners Club portal.
Benefits: Insurance & Protection
- ₹5 Crore Air Accident Cover
- ₹3 Crore medical emergency cover abroad
- ZERO lost card liability
- Travel insurance, baggage delay, flight delay cover
Advantages & Disadvantages (Real User Perspective)
| Advantages | Disadvantages |
|---|---|
| Unlimited access to lounges worldwide | Annual fee of ₹10,000 if spending criterion not fulfilled |
| High reward rate of 3.33% on all spending | No reward points for rent, fuel, and wallets |
| Free golf games each quarter | Diners Club acceptance less than Visa/Mastercard |
| Minimal 2% markup on forex | Reward points expire in 3 years |
| Comprehensive Travel Insurance | Add-on card fees: ₹1,000 + GST |
| 24/7 Concierge service |
Eligibility criteria & documents
- Age: 21-60 years (salaried) | 21-65 years (self-employed)
- Minimum Income: ₹21 lakh per year (salaried) | ₹24 lakh ITR (self-employed)
- Credit Score: Good credit score (750+)
- Documents: PAN Card, Aadhar Card, salary statements/ITR returns.
Final Verdict—Should You Buy One in 2025?
As a consistent air traveler, an international tourist, a golf player, or someone with a credit card spending over ₹1.5 lakh a month, this card will definitely interest you. The card offers unparalleled access to lounges, good rewards points, and other golf benefits not available in other credit cards. However, do not forget to factor in the cost threshold for waiving off the charges, which is very high at ₹8L a year, in addition to other requirements such as not expiring reward points for 3 years.
Note (*): Information marked with * (such as selective waiver of fees) has emerged from market experience and usage inputs and does not represent official information from HDFC Bank. For the latest Most Important Terms & Conditions, please refer to the official HDFC Bank website.
Frequently Asked Questions
Do reward points expire on Diners Club Black?
Yes. Reward points expire 3 years from the date they are earned.
How can I get the annual fee waived?
The annual fee of ₹10,000 + GST is waived if you spend ₹8 lakh or more in your membership year.
Is there a welcome benefit?
Yes, premium membership benefits like Club Marriott membership are offered on spending ₹1.5 lakh within the first 90 days.
Where is Diners Club accepted?
It is widely accepted online and at major retail stores, though acceptance can be marginally lower than Visa/Mastercard.
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