SwipeYield Review
A super-premium multi-purpose card offering maximum value across travel, dining, and lifestyle rewards
PremiumTravelLifestyleAll Cards
HDFC Diners Black
By HDFC Bank
4.8SwipeYield Rating
Joining Fee₹10,000 + GST
Annual Fee₹10,000 + GST
Fee Waiver:
Above 8L
🎁
Reward TypeReward Points
🌐
NetworkDinersClub
Rewards
Base
3.33%
Accelerated
Up to 10X Reward Points via HDFC SmartBuy portal; 2X rewards on weekend dining
Lounge Access
Unlimited domestic and international airport lounge access for primary and add-on cardholders
Pros
- High 3.33% base reward rate
- Unlimited global lounge access
- 1:1 airmile conversion
Cons
- Lower merchant acceptance compared to Visa/Mastercard
- High monthly reward capping (75k points) but restrictive SmartBuy Cap (10k points)
- High eligibility threshold
Eligibility
- Salaried: Net Monthly Income >₹2.5 Lakh
- Self-employed: Annual ITR >₹30 Lakh