HDFC Diners Club Black Credit Card- Interest rate is also 1.99 percent. In this, you get annual membership of Club Marriott, Forbes, Amazon Prime, Dineout Passport, MakeMyTrip Black and Times Prime. You also get reward points on spending with this card. Cardholders get unlimited lounge access at 1000 airports in the country and abroad. Its annual fee is Rs 10,000.