HDFC Bank Diners Club Black Credit Card

HDFC Bank offers two credit cards in its super-premium category: HDFC Infinia and HDFC Bank Diners Club Black Credit Card. Both these credit cards provide 24×7 concierge service, access to unlimited airport lounges, golf rounds at some of the finest golf courses worldwide, and several other premium benefits. These credit cards target high-net-worth individuals and cater to their elevated lifestyle. If you are looking for a premium card and spend a significant portion of your total credit card expenses on popular apps/websites such as Zomato, Ola, Amazon Prime, BookMyShow, etc., then HDFC Bank Diners Club Black Credit Card would be more suitable and tailored to your needs. Continue reading to learn more about this credit card.

• Joining Fee- Rs. 10,000 plus taxes
• Renewal Fee- Rs. 10,000 (plus applicable taxes)
• Best Suited For- Travel | Dining | Shopping
• Reward Type- Reward Points
• Welcome Benefits- Get complimentary annual membership of Forbes, Club Marriott, Times Prime, MMT Black, Amazon Prime, and Swiggy One (3 Months) on spending Rs. 1,50,000 or more in the first 90 days of card issuance

Rewards and Benefits.

• Movie & Dining- 2X Reward Points on weekend dining
• Rewards Rate- 5 Reward Points on every spend of Rs. 150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining
• Reward Redemption- HDFC Bank Diners Club Black Reward Points are redeemable for flight/hotel bookings (1 RP = Re. 1) on SmartBuy, for AirMiles (1 RP = 1 AirMile), on Diners Club exclusive rewards redemption catalog (1 RP = Re. 0.5) and for cashbacks (1RP = Rs. 0.30).
• Travel- Complimentary lounge access at 1,000+ airports in India and abroad, Reward Points redeemable for flight and hotel bookings on SmartBuy (1RP = Re. 1).
• Golf- 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
• Domestic Lounge Access- Unlimited complimentary access to the domestic lounges
• International Lounge Access- Unlimited complimentary access to the international lounges
• Insurance Benefits- Travel-related insurance benefits including an air accident cover worth Rs. 2 crores, emergency overseas hospitalization cover worth Rs. 50 Lakhs, and a credit liability cover worth up to Rs. 9 lakh.
• Zero Liability Protection- Zero liability protection worth Rs. 9 lakh against a lost/stolen card.

Fees & Charges

• Spend based Waiver- Waiver of renewal fee on spending Rs. 5,00,000 in the previous year.
• Rewards Redemption Fee- Nil
• Foreign Currency Markup- 1.99% (plus applicable taxes)
• Interest Rates- 1.99% per month (or 23.88% annually)
• Fuel Surcharge- 1% fuel surcharge waived (max waiver capped at Rs. 1,000/month and min transaction of Rs. 400 required).
• Cash Advance Charge- Higher of 2.5% of the amount withdrawn or Rs. 500.
• Add-on Card Fee- Nil

Product Details

• Complimentary annual membership of subscription platforms like Amazon Prime, Zomato Gold, Times Prime, etc, as a Welcome Benefit. These memberships are renewed on the expenditure of Rs. 8,00,000 in the anniversary year with HDFC Bank Diners Club Black credit card.
• Complimentary Ola Select, TataCliQ, BookMyShow, and cure.fit Live vouchers on spends of over Rs. 80,000 every month.
• 5 Reward Points for every Rs. 150 spent (Reward Rate = 3.3%).
• 10X Reward Points on select brands.
• 2X Reward Points on weekend dining.
• 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
• Low foreign currency markup fee of 1.99%.
• Unlimited lounge access at 1,000 plus airport lounges in India and abroad.
• Travel insurance benefits including an air accident cover worth Rs. 2 crore.

HDFC Bank Diners Club Black Credit Card Features and Benefits

The Diners Club Black Card is one of the most high-end HDFC Bank Credit Cards as the annual fee of this card is quite high and offers exclusive privileges across various categories. Following are the details of the features and benefits that come along with this credit card –

Welcome Benefits:

Complimentary annual memberships of Amazon Prime, Club Marriott, Forbes, Swiggy One, MMT BLACK, and Times Prime on spending 1.5 lakhs within the first 90 days of credit card issuance date or upon realization of the joining fee.

Milestone Benefits:

• Renewal of the subscriptions under the welcome benefits (Amazon Prime, Zomato Gold, Times Prime. etc.) on the annual expenditure of Rs. 8,00,000.
• Any 2 of the following monthly vouchers- Ola Select, a cure.fit Live, BookMyShow, and TATA CLiQ (worth Rs. 500 each) on monthly spends of Rs. 80,000.

Dining Benefits:

• 2X Reward Points on weekend dining.
• Complimentary annual membership of Club Marriott and Swiggy One (3 months), which is renewed if the cardholders spends an amount increasing Rs. 8 Lakhs in an anniversary year.

HDFC Bank Diners Club Black Credit Card Travel Benefits:

• Unlimited complimentary access to the international and domestic lounges.
• Reward Points redeemable for InterMiles, Singapore Airlines AirMiles, and Club Vistara Points (1 Reward Point = 1 Airmile).

Golf Benefits

6 complimentary golf rounds every calendar quarter across the finest golf courses globally.

HDFC Diners Club Black Credit Card Insurance Benefits:

Low Foreign Currency Markup:

A lower foreign currency markup of 1.99% on foreign currency transactions.

Fuel Surcharge Waiver:

A fuel surcharge waiver of 1% on a minimum fuel transaction of Rs. 400 at all fuels stations in India. The waiver amount is capped at a maximum of Rs. 1,000 per statement cycle.

Spend Based Renewal Fee Waiver

The renewal fee of Rs. 10,000 of this credit card is eligible for a waiver if the cardholders spends an amount exceeding Rs. 5 Lakhs in an anniversary year.

HDFC Bank Diners Club Black Credit Card Rewards:

• For every Rs. 150 spent on retail transactions, the cardholders will earn 5 Reward Points.
• Accelerated Reward Points(up to 10X) On the SmartBuy portal (more details here).
• 2X Reward Points on weekend dining.
• No reward points can be earned on transactions done towards fuel purchases.
• The validity period of reward points is 3 years from the date of transaction.
• A maximum of 5,000 Reward Points can be earned per day on insurance transactions.

Reward Redemption:

The Reward Points earned HDFC Diners Club Black Card are redeemable for:

• booking flights/hotels on the SmartBuy portal.
• Airmiles at InterMiles, Singapore Airlines, and Club Vistara (transferred to other AirMiles programs.
• 14 different airmiles, including British Airways, Vietnam AIrlines, etc, and hotel loyalty points via the Rewards360 portal.
• items on the Diners Club exclusive reward redemption catalog.
• cashback (adjusted against the card’s statement balance.

For flight and hotel bookings, only 70% of the total payment can be made through the Reward Points.

The rate of redemption of reward points on different categories of expenditures is as below:

HDFC Bank Diners Club Black Card Fees and Charges

• You have to pay a joining and renewal fee of Rs. 10,000 for the HDFC Bank Diners Club Black Credit Card is Rs. 10,000.
• This credit card charges an interest rate of 1.99% monthly on the overdue amount.
• The Diners Club Black Card charges a lower forex fee of 1.99% of the total amount.
• You have to pay a cash advance fee of 2.5% of the amount withdrawn, or Rs. 500, the higher of the two.

HDFC Diners Club Black Credit Card Eligibility Criteria:

The following is the eligibility criteria that needs to be fulfilled to avail this credit card:

Documents Required

Be assured that you have all the documents ready before you move further in the process to apply for this credit card. The list of documents that you will need while applying for this card is as follows:

• Identity Proof: Voters’ Id, Driving License, Aadhar Card, PAN Card, Passport, etc (any one of these).
• Address Proof: Voters’ Id, Passport, Aadhar Card, latest months’ utility bills, etc (any one of these).
• Proof of Income: Latest ITR or Latest bank statements/salary slips.

How To Apply For HDFC Bank Diners Club Black Card?

You can apply for HDFC Bank Diners Club Black Credit Card either online or offline.

• For online application, visit HDFC bank’s credit cards page, select the Diners Club Black card, submit the required documents and your application will be processed by the bank officials.
• The application can also be placed offline by visiting your nearest HDFC branch and submitting the required documents offline.
• Identity proofs, address proofs, and income proofs would also be required.

Customer Care:

HDFC’s customer care service is available 24×7 including Sundays and holidays. You can dial their call center numbers- 61606161 or 6160616 (prefix the STD code) for any queries or to report the loss of card. You can also shoot them a mail at customerservices.cards@hdfcbank.com.

Should You Get HDFC Diners Club Black Credit Card?

Diners Club Black Credit Card is undoubtedly an exclusive card that comes with extraordinary benefits across different categories, but it might not be the right choice for everyone. Different people have different requirements and they should get a card accordingly. You should get the HDFC Diners Club Black Card if you fulfill all or most of the following requirements:

• You should get this card if you are a high net worth individual as it has a slightly high annual fee compared the so many other credit cards. So, you should make sure that you can afford the card without much difficulty.
• This card is also a great option for you if you travel very often domestically and internationally as complimentary lounge access is one of the most exclusive features of the card.
• If you don’t want to compromise with your luxurious lifestyle and you make most of your spends using your credit card.

Advantages and Disadvantages of HDFC Diners Club Black Credit Card

Though there are no major disadvantages of HDFC Diners Club Black Credit Card, it can not be the best option for some people only if they fail to maximize its benefits. The following are some of the advantages and disadvantages of getting this card:

Advantages

• The Diners Club Black card is of great advantage for frequent flyers as it comes with unlimited complimentary domestic as well as international lounge access.
• On making purchases through the SmartBuy portal, you can earn 10x Reward Points, which is a great deal.
• You get a lot of complimentary subscriptions, including Amazon Prime, Club Marriott, Forbes, Swiggy One, MMTDOUBLEBLACK, Times Prime, etc, that allow you to save even more.

Disadvantages

• The Diners Club Black Card has a high annual fee, which is not a disadvantage in general, but it might not be beneficial for those who don’t get the most out of their credit card.
• The minimum retail spend required to get the welcome benefits is quite high for some people, which is a minimum of Rs. 1.5 lakhs in 90 days.

What are the Lifestyle and Wellness Features of HDFC Diners Club Black Credit Card?

The HDFC Diners Club Black Credit Card has some great benefits across different categories. The lifestyle and wellness benefits that you may get with this card are listed below:

• Complimentary memberships to Amazon Prime, Club Marriott, Forbes, Swiggy One, MMTDOUBLEBLACK, and Times Prime on spending Rs. 1.5 lakhs or more in the first 90 days.
• Complimentary golf rounds 6 times every year.
• Foreign transactions are made easy by lower forex markup fees.

Conclusion

The HDFC Bank Diners Club Black credit card is HDFC Bank’s second most premium card after Infinia. While the Infinia card is by invitation only, the eligibility criteria for the Diners Club Black card, as mentioned earlier, is also quite stringent. Both cards have the same annual membership fee of INR 10,000. Both cards offer similar benefits in general.

While the Infinia card provides a high cap on reward points that can be earned and redeemed under the monthly SmartBuy offer, the Diners Club Black credit card offers complimentary memberships to several popular subscription services such as Amazon Prime, Forbes, etc. The Diners Club Black card also provides an additional weekend dining benefit with 2X reward points on dining expenses on Saturdays and Sundays.

Overall, the HDFC Bank Diners Club Black card is a strong competitor to the Infinia card. If you are planning to apply for a premium credit card, compare the features and benefits of both cards and explore the differences between them on this site to make an informed decision.

If you still have any questions related to this credit card, please feel free to ask us in the comments section below!