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HDFC · super premium tier
HDFC Diners Club Black
Pre-Infinia tier — best reward rate at sub-Infinia level
Joining fee
₹10.0K
Annual fee
₹10.0K
Base rate
3.3%
Expert rating
9.2/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹65,080
Fees-₹20,000
Net annual value+₹45,080
Value breakdown
smartbuy (10x)+₹43,200
Base rate (3.3%)+₹11,880
Welcome benefit+₹10,000
Annual fee₹10,000
Joining fee (year 1)₹10,000
— Highlights
- 10X SmartBuy
- Unlimited Priority Pass
- KrisFlyer/Marriott transfers
— Redemption paths
Every way to spend your reward points
1
KrisFlyer (1:1)
₹1.80
per point
2
Marriott (1:1)
₹1.30
per point
3
SmartBuy
₹1.00
per point
4
cashback
₹0.30
per point
— Reward rates
Earn by category
smartbuy
10X
10X on SmartBuy
weekend-dining
2X
2X on weekend dining