HDFC Diners Club Black

HDFC Bank ⭐ Featured

Premium lifestyle credit card

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Joining Fee

₹10,000

+ 18% GST

First Year Net

+₹40,401

Annual Fee

₹10,000

+ 18% GST

Renewal Net

+₹28,401

Base Reward Rate

3.3%

5 points per ₹150

Best Category

33.3%

Final Net Score

out of 100

Net Annual Value

+₹40,201

Score Breakdown

Lower ScoreMid RangeHigher Score

Key Metrics

Final Score

Comprehensive rating based on your spending profile

61/100

Effective Reward Rate

Weighted average based on your spending categories

6.3%

Annual Net Value

Expected yearly benefit after all costs

₹40,201

Payback Period

Time to recover annual fees through rewards

Immediate

Card Information

Should I Consider This Card?

Using general assumptions

Likely Eligible

Needs check

Add income range and credit score to estimate eligibility.

Value for Your Spend

Strong fit

At your current spending pattern, this card is likely to return more value than it costs.

Consider from

₹15,000 / mo

Sweet spot

₹2,00,000 / mo

Net value / year

+₹40,201

Fee outcome

Fee likely waived

Why this result

Fee waiver threshold: Annual fee waiver is tied to roughly 41,667 monthly spend.
Top earning category: online has elevated rewards, which can improve value when your spend matches it.

Details

Spend curve and supporting scenario values