HDFC
Diners Club Black
Super-premium card · strong domestic lounge with international visits on file · fee waiver achievable around ₹5L annual spend · 2% forex markup.
Strong for high base rewards (~3.3%) and lounge access (unlimited) · Weak for high forex (2%) and high annual fee (₹10K)
Unlimited domestic lounge · 6/year international 5 pts/₹150 base earn
Good for
- Airport lounge users
- Domestic spenders
Not ideal for
- Fee-sensitive users
- International spenders
Spend context
- Estimated monthly rewards: ~₹1,670/month (base rewards)
- Fee waiver achievable at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹10,000
Lounge
Unlimited (domestic)
Forex
2%
Limited support — verify with issuer
Reward rate
5 pts/₹150
Above median base earn (3.3% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- Unlimited
- International visits
- 6/year
International Use
- Forex markup
- 2%
- Product tier
- Super-premium
Fees
- Annual fee
- ₹10,000
- Joining fee
- ₹10,000
- Fee waiver spend
- ₹5,00,000 Above catalog median waiver (₹3,00,000 vs ₹5,00,000).
Rewards
- Points per ₹150
- 5 pts
- Point value
- ₹1
- Effective earn
- 3.3% (at stated point value)
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