HDFC Bank Diners Club Black Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

HDFC Bank offers two top-tier credit cards, the HDFC Infinia and HDFC Bank Diners Club Black credit card, both catering to the super-premium segment. These cards provide a range of exclusive benefits such as 24×7 concierge service, unlimited airport lounge access, complimentary rounds of golf at prestigious golf destinations worldwide, and many other premium privileges. Targeted at individuals with high net worth, both cards offer exceptional value and cater to different spending patterns and lifestyle preferences.

If you are looking for a premium credit card, you can confidently choose either of these cards as they both offer outstanding benefits and rewards. However, the HDFC Diners Club Black Credit Card may be more suitable for you if you anticipate spending a significant portion of your total credit card expenses on popular apps and websites such as Zomato, Ola, Amazon Prime, BookMyShow, and others. This card is designed to enhance your experience and provide exclusive benefits tailored to your lifestyle. Continue reading to explore more about this credit card.

Rewards and Benefits

Discover the exclusive benefits of the HDFC Bank Diners Club Black Credit Card, designed to elevate your lifestyle and offer unparalleled privileges across various categories:

• Movie & Dining: Earn 2X Reward Points on weekend dining, enhancing your culinary experiences with every swipe.
• Rewards Rate: Earn 5 Reward Points for every spend of Rs. 150, along with 10X Reward Points on SmartBuy and 2X Reward Points on weekend dining, maximizing your rewards potential.
• Reward Redemption: Redeem your HDFC Bank Diners Club Black Reward Points for flight and hotel bookings (1 RP = Re. 1) on SmartBuy, AirMiles (1 RP = 1 AirMile), exclusive rewards from the Diners Club redemption catalog (1 RP = Re. 0.5), and cashbacks (1 RP = Rs. 0.30), ensuring flexibility and value.
• Travel: Enjoy complimentary lounge access at 1,000+ airports in India and abroad, and redeem your Reward Points for flight and hotel bookings on SmartBuy (1 RP = Re. 1), making travel a rewarding experience.
• Golf: Indulge in your passion for golf with 6 complimentary golf games per quarter at premium golf destinations worldwide, adding an element of luxury to your leisure time.
• Domestic Lounge Access: Benefit from unlimited complimentary access to domestic lounges, ensuring a comfortable and relaxing travel experience within India.
• International Lounge Access: Enjoy unlimited complimentary access to international lounges, making your international travel experience seamless and convenient.
• Insurance Benefits: Stay protected with 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, providing you with peace of mind on your travels.
• Zero Liability Protection: Enjoy zero liability protection worth Rs. 9 lakh against a lost or stolen card, ensuring that you are protected against unauthorized transactions.

Experience the luxury and convenience of the HDFC Bank Diners Club Black Credit Card, where every feature is designed to enhance your lifestyle and provide you with unmatched privileges and benefits.

Fees & Charges

Experience the unmatched benefits of the HDFC Bank Diners Club Black Credit Card, designed to elevate your lifestyle and offer unparalleled privileges across various categories:

• Spend Based Waiver: Enjoy a waiver of the renewal fee by spending Rs. 5,00,000 in the previous year, rewarding your regular spending habits.
• Rewards Redemption Fee: Benefit from a nil rewards redemption fee, allowing you to redeem your rewards without any additional charges.
• Foreign Currency Markup: Enjoy a competitive foreign currency markup of 1.99% (plus applicable taxes), making international transactions more affordable.
• Interest Rates: Benefit from a competitive interest rate of 1.99% per month (or 23.88% annually), ensuring flexibility in managing your finances.
• Fuel Surcharge: Get a 1% fuel surcharge waiver (maximum waiver capped at Rs. 1,000 per month) on fuel transactions of Rs. 400 or more, making your fuel purchases more rewarding.
• Cash Advance Charges: Avail of cash advances with a charge of the higher of 2.5% of the amount withdrawn or Rs. 500, providing you with financial flexibility when you need it.
• Add-on Card Fee: Enjoy the convenience of add-on cards at no additional fee, allowing your loved ones to enjoy the benefits of your HDFC Bank Diners Club Black Credit Card.

Experience the luxury and convenience of the HDFC Bank Diners Club Black Credit Card, where every feature is designed to enhance your lifestyle and provide you with unmatched privileges and benefits.

Product Details

• Experience a world of exclusive privileges with the HDFC Bank Diners Club Black credit card. As a welcome benefit, enjoy complimentary annual memberships to premier subscription platforms like Amazon Prime, Zomato Gold, and Times Prime. These memberships are automatically renewed upon reaching an expenditure milestone of Rs. 8,00,000 in the anniversary year.
• For frequent spenders, the rewards are even more enticing. Receive complimentary Ola Select, TataCliQ, BookMyShow, and cure.fit Live vouchers on monthly spends exceeding Rs. 80,000. Earn 5 Reward Points for every Rs. 150 spent, translating to an impressive reward rate of 3.3%.
• Additionally, enjoy 10X Reward Points on select brands and 2X Reward Points on weekend dining. Indulge in luxury with 6 complimentary golf games per quarter at premium golf destinations worldwide.
• Travel seamlessly with a low foreign currency markup fee of just 1.99% and enjoy unlimited lounge access at over 1,000 airport lounges in India and abroad. Plus, travel with peace of mind knowing you’re covered by travel insurance benefits, including an air accident cover worth Rs. 2 crore.
• Experience a world of privileges and rewards with the HDFC Bank Diners Club Black credit card.

HDFC Bank Diners Club Black Credit Card Features and Benefits

HDFC Bank Diners Club Black Credit Card, renowned for its elite status and unparalleled benefits. Despite its high annual fee, this card offers a plethora of privileges across various categories. Here’s a detailed overview of the features and benefits:

Welcome Benefits: Enjoy complimentary annual memberships of premier services including Amazon Prime, Club Marriott, Forbes, Swiggy One, MMT BLACK, and Times Prime on spending Rs. 1.5 lakhs within the first 90 days of card issuance or upon realization of the joining fee.

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

Dining Benefits: Earn 2X Reward Points on weekend dining. Get complimentary annual membership of Club Marriott and Swiggy One (3 months), renewable upon spending exceeding Rs. 8 Lakhs in an anniversary year.

Travel Benefits: Enjoy unlimited complimentary access to international and domestic lounges. Redeem Reward Points for InterMiles, Singapore Airlines AirMiles, and Club Vistara Points (1 Reward Point = 1 Airmile).

Golf Benefits: Receive 6 complimentary golf rounds every calendar quarter across the finest golf courses globally.

Foreign Currency Markup: Experience a lower foreign currency markup of 1.99% on foreign currency transactions.

Fuel Surcharge Waiver: Avail a fuel surcharge waiver of 1% on a minimum fuel transaction of Rs. 400 at all fuel stations in India, capped at a maximum of Rs. 1,000 per statement cycle.

Renewal Fee Waiver: The renewal fee of Rs. 10,000 is eligible for a waiver if the cardholder spends an amount exceeding Rs. 5 Lakhs in an anniversary year.

Rewards: Earn 5 Reward Points for every Rs. 150 spent on retail transactions. Accelerated Reward Points (up to 10X) on the SmartBuy portal. No reward points can be earned on fuel purchases. Redeem Reward Points for flights/hotels on the SmartBuy portal, Airmiles at InterMiles, Singapore Airlines, and Club Vistara, airmiles with 14 different airlines, hotel loyalty points, items on the Diners Club exclusive reward redemption catalog, and cashback (adjusted against the card’s statement balance).

Experience luxury, travel the world, and indulge in fine dining with the HDFC Bank Diners Club Black Credit Card.

Documents

Ensure you have all necessary documents before proceeding with your credit card application. The following documents are required when applying for the HDFC Bank Diners Club Black Card:

1. Identity Proof: Voters’ ID, Driving License, Aadhar Card, PAN Card, Passport, etc. (any one).
2. Address Proof: Voters’ ID, Passport, Aadhar Card, latest month’s utility bills, etc. (any one).
3. Proof of Income: Latest ITR or bank statements/salary slips.

How to Apply for HDFC Bank Diners Club Black Card: You can apply for the HDFC Bank Diners Club Black Credit Card online or offline:

• Online: Visit HDFC Bank’s credit cards page, select the Diners Club Black card, submit the required documents, and your application will be processed.
• Offline: Visit your nearest HDFC branch, submit the required documents, and apply offline.

Customer Care: HDFC Bank’s customer care service is available 24×7, including Sundays and holidays. Dial their call center numbers – 61606161 or 6160616 (prefix the STD code) – for queries or to report a lost card. You can also email them at customerservices.cards@hdfcbank.com.

Should You Get the HDFC Diners Club Black Credit Card? The HDFC Diners Club Black Credit Card offers exclusive benefits across various categories, but it may not be suitable for everyone. Consider the following before applying:

• Suitable for high net worth individuals who can afford the slightly high annual fee.
• Ideal for frequent travelers due to complimentary lounge access.
• Great for those who prefer a luxurious lifestyle and make most of their spends using a credit card.

Advantages and Disadvantages of HDFC Diners Club Black Credit Card:

 Advantages:

• Unlimited complimentary domestic and international lounge access.
• Earn 10x Reward Points on purchases through the SmartBuy portal.
• Complimentary subscriptions to Amazon Prime, Club Marriott, Forbes, and more.

Disadvantages:

• High annual fee.
• Minimum retail spend required for welcome benefits.

Lifestyle and Wellness Features of HDFC Diners Club Black Credit Card:

• Complimentary memberships to various services on spending Rs. 1.5 lakhs or more in the first 90 days.
• 6 complimentary golf rounds every year.
• Lower forex markup fees for foreign transactions.

In conclusion

the HDFC Diners Club Black Credit Card is the second most premium card offered by HDFC Bank. While the Infinia card is invite-only, the eligibility criteria for the Diners Club Black card are also strict. Both cards have a Rs. 10,000 annual membership fee and offer similar rewards. The Diners Club Black card offers additional benefits like complimentary memberships to popular services and a weekend dining benefit. Consider comparing both cards’ features before making a decision.