HDFC Bank Diners Club Black

HDFC Bank

HDFC Diners Club Black is the flagship premium credit card from HDFC Bank, targeting ultra-high-net-worth individuals and frequent international travellers. It is one of the most feature-rich credit cards available in India, offering unlimited complimentary lounge access, zero foreign exchange markup, and industry-leading reward rates on travel spends. The card's most distinguishing feature is unlimited complimentary domestic airport lounge access across 250+ airports in India — this alone can be worth lakhs per year for frequent business travellers who otherwise pay ₹2,000-₹3,000 per lounge visit. International lounge access through LoungeKey covers 1,000+ airport lounges across 100 countries worldwide, also on an unlimited basis. The zero forex markup on international transactions is unique in the Indian market — most credit cards charge 2-3.5% forex markup on foreign currency transactions, making Diners Club Black the clear choice for anyone who travels internationally frequently or makes purchases from international websites. On a ₹1 lakh international transaction, this saves ₹2,000-₹3,500 compared to other premium cards. The card earns 5X Reward Points on travel bookings through HDFC SmartBuy (flights, hotels, holiday packages) and 2X on dining. On all other spends, 1% reward points are earned. The 10,000 Welcome Reward Points on joining are worth approximately ₹4,000 when redeemed for travel or gift vouchers. Golf enthusiasts will appreciate the 6 complimentary golf sessions per year at prestigious golf courses across India and internationally, including the options at Chandigarh Golf Club, Delhi Golf Club, and Royal Colombo. The card requires a minimum annual income of ₹18 lakhs for salaried individuals and ₹24 lakhs for self-employed individuals. The ₹10,000 annual fee is reversed on spending ₹8 lakhs or more in the previous anniversary year, making it effectively free for high spenders. Source: HDFC Bank official website, updated May 2026.