HDFC Diners Club Black Credit Card

One of the top super-premium credit cards in India, the HDFC Diners Club Black Credit Card offers perks in a variety of areas, including travel, shopping, rewards, eating, and golf. With one of the highest base reward rates at 3.33%, it is a fantastic choice for heavy consumers. Additionally, the card is a superb deal for frequent flyers because it includes unlimited free access to lounges and only charges a 1.99% markup on foreign exchange.

The HDFC Bank has introduced a range of credit card alternatives as well as other products that are especially designed for its target market. These cards were developed to meet the needs of diverse customer categories.

The HDFC Diners Black Credit Card is a very upscale credit card offered by HDFC Bank. The card enables access to memberships and special deals. Customers also receive reward points that may be used to book flights, hotels, or AirMiles with specific partners, as well as complimentary annual memberships to elite clubs. The annual fee is 10,000 rupees.
As a result, the cardholder receives above-average reward points and expenditure allowance for every purchase made using this card. This card can help you make the most of your hard-earned cash and enjoy every last cent of it.

Fees And Charges Of HDFC Diners Club Black Credit Card

Type of Fees and Charges	Amount
Joining fee	Rs.10,000
Renewal fee	Rs.10,000
Minimum repayment amount	5% or 200 rupees at most
Cash withdrawal fee	2.5% of the withdrawn funds, minimum 500 rupees
Rewards redemption fee	Rs.99
Add-on cards charges	Forever Free
Foreign currency mark-up fee	1.99%
Late payment charges	Nil (less than Rs. 100), Rs. 100 (up to Rs. 500), Rs. 500 (up to Rs. 5,000), Rs. 600 (up to Rs. 10,000), Rs. 800 (up to Rs. 25,001), Rs. 1,100 (up to Rs. 50,000), and Rs. 1,300 (above Rs. 50,000)
Over limit charges	2.5% of the amount that exceeds the limit (minimum of Rs. 550)
Cash processing fee	Each transaction, 100 Rupees
Payment return charges	2 percent of the payment (minimum 450 rupees)
Card re-issuance charges	100 rupees per instance

Features And Benefits Of HDFC Diners Club Black Credit Card

Here are a few advantages and characteristics of the HDFC Diners Club Black Credit Card.

Welcome Benefits

• Spend Rs. 1.5 lakh on your HDFC Bank Diners Club Black Credit Card within the first 90 days of account opening or upon first-year fee realization to be eligible for unlimited yearly passes in Club Marriott, Forbes, Amazon Prime, Dineout Passport, MMT BLACK, and Times Prime (T&C Apply).
• The total value of these subscriptions far outweighs the sum charged. This welcome package is ideal for cards because it covers a wide range of demands, including travel, online shopping, dining, etc. But this shouldn’t be the only justification for getting the card.

Reward Points

With a reward rate of 3.33% and 5 points for every Rs. 150 spent, the HDFC Diners Club Black Credit Card has one of the highest reward rates in India. Therefore, if you spend Rs. 15,000 on something, you receive 500 reward points. Additionally, the card provides up to 10X Reward Points on SmartBuy purchases.

Additionally, the fact that these points are for money or miles makes it even better.

• With InterMiles, Club Vistara, and Singapore Airlines (KrisFlyer Miles), you can convert the reward points into air miles. 1 Reward Point = 1 Airmile
• Utilize the reward points to make hotel or travel reservations on Smartbuy. One reward point is equal to one rupee.
• Purchase items and certificates using the special reward redemption catalogue.

Because the rewards are good for three years, you’ll have plenty of opportunity to earn plenty of points and exchange them for valuable items.

A single reward point is equal to
Hotels and Flights on SmartBuy	Re. 1
Airmiles	1 AirMile
Product Catalogue (products/gift certificates)	Up to Rs. 0.50
Cashback	Rs. 0.30
British Airways, Etihad Airways, Aeroplan Canada, and United Mileage Plus	1 mile = 0.5 loyalty points
Flying Blue, Hainan Airlines Fortune Wings Club, IHG One Reward, Vietnam Airlines Lotusmiles, Turkish Airlines, Wyndham Rewards, AirAsia Rewards, Accor Live Limitless, Avianca LifeMiles, Finnair Plus,	1 equivalent loyalty point or mile

Travel Benefits

The HDFC Diners Club Black credit card offers three types of travel benefits:

• The choice to purchase travel or lodging with reward points and convert those points to air miles
• Worldwide access to all airport lounges for the original user and any additional users
• 1.99% is a minimal foreign currency markup fee.
• If you frequently travel abroad, the lounge access and reduced currency mark-up features will result in significant savings for you. However, there are no additional travel advantages, such as free membership to some frequent flyer programmes or bonus reward points when booking trips. It would have been even better for travelers with such features.

Lifestyle And Wellness Features

The card doesn’t fall short when it comes to providing the top health benefits. Customers who have the HDFC Diners Club Black Credit Card are entitled to exclusive savings at a variety of upscale spas, gyms, and salons, including Sarva Yoga, Eyewearlabs, Round Glass Living, Tattva Spa, SleepyCat, Himalayan Hideaway, and Neemrana Hotels.

Fuel Rewards

Customers who use the HDFC Diners Club Credit Card can receive a 1% discount on fuel surcharges worth more than Rs. 400.

Annual Rewards

If you use this card and spend Rs. 8 lakhs within a year of the card’s issuance, you will receive a complimentary annual membership to Club Marriott, Prime, and MMT Black.

A Swiggy One for Three membership will be made available as an annual reward starting on February 1st, 2023, in place of a Dineout Passport.

Monthly Benefits

If you spend Rs. 80,000, regardless of whether you already have an HDFC Bank Diners Club Black Credit Card or not, you can select any two monthly discounts worth Rs. 500 from TataCLiQ, BookMyShow, or Ola Select Membership.

Insurance Benefits

Category	Insurance Coverage
Aircraft accident fatality	Rs. 2 crores
Emergency medical coverage	Up to Rs. 50 lakhs
Untimely Baggage	Rs. 55,000
Credit responsibility	Rs. 9 lakhs

Lounge Access

For primary and add-on card holders, oy unrestricted access to 1,000+ lounges at domestic and international terminals.

Milestone Benefits

Customers can receive free memberships from HDFC when they reach certain milestones on an annual or monthly basis. The same’s specifics are listed below.

Type	Achieved Milestone (Transaction Value Still Needed)	Offering extra benefits
Monthly Milestone	80,000 rupees per calendar month	Membership is free for any two of the following partners. Ola Select Cure.fit live 1 month membership\ BookMyShow TataCLiQ vouchers worth Rs. 500 each
Annual Milestone	Rs. 8,00,000 at the end of the first year of card possession	Free membership for the following partners Club Marriott Forbes Digital subscription Zomato Gold Amazon Prime MakeMyTrip Double Black Times Prime

Eligibility Required For HDFC Diners Club Black Credit Card

The following requirements must be met in order to qualify for this Credit Card:

Salaried Person Income	A salaried person’s monthly income must be greater than Rs. 1.75 lakh.
Self-Employed Person Income	ITR must be greater than Rs. 21 lakhs for a calendar year.
Age for Salaried Person	21 – 60 Years of age
Age for Self-Employed	21 – 65 Years of age

Documents Needed To Apply For HDFC Diners Club Black Credit Card

The bank’s application procedure for this credit card is quite straightforward. To check their eligibility, applicants must submit basic KYC documentation and proof of their income.

The required documentation list for applicants is listed below.

1) Proof of Address	Aadhaar Voter ID Passport Driver’s License Ration Card Utility Bills Bank Statement Rent Agreement
2) Proof of ID	Aadhar Card Passport Voter Id Driving License, etc.
3) Proof of Income	Latest ITR Latest Bank Statements (past Three Months) Latest Salary Slips (past three months)

Offers And Rewards On HDFC Diners Club Black Credit Card

Sr. No.	Rewards	Value
1.	For every Rs. 150 you spend, earn reward points.	5 RP
2.	Earn points for purchases made at partner brands.	10X
3.	Receive rewards points when dining on the weekends.	2X
4.	Waiver of fuel surcharge	1%
5.	For purchases up to INR 5,000*, just touch and pay at merchant terminals without entering the PIN.	Rs. 5,000

How To Apply For HDFC Diners Club Black Credit Card Online?

You can do the following to apply for the card:

• Click the ‘Check Eligibility’ button on the HDFC Diners Club Black Credit Card website to confirm your eligibility.
• You would be forwarded to the online credit card application page if you are qualified.
• After providing the required information, click “Submit”.
• After being asked to upload the papers, you will then need to click ‘Submit’.
• Once the form and the supporting documents are correctly submitted, you are assigned an application number. By selecting “Track Application,” you may use that ID to find out the progress of your credit card application.
• As an alternative, you can apply for the card by going to the HDFC bank website.

Should You Get HDFC Diners Club Black Credit Card?

A high reward rate is offered with the HDFC Diners Club Black Credit Card. Cardholders can get great value back from this card, especially those who charge the majority of their expenses to credit cards. Although generous, it is not the highest reward rate. Better reward rates are offered by cards like Axis Magnus and Axis Reserve; the Standard Chartered Ultimate Credit Card offers the same reward rate of 3.33%.

The travel advantages of this card are what set it apart. It is an excellent choice for regular flyers because it offers free lounge access to primary and add-on members, has a minimal foreign exchange markup fee, and allows points to be converted to miles.

Therefore, take into account these factors if you’re debating if this card is the best option for you.

• You need to use credit cards for large expenses and wish to obtain good value for the same.
• You take a lot of trips.
• Instead of a credit card that only offers one perk, you choose one that offers multiple benefits.
• Typically, you are permitted to spend Rs. 80,000 or more every month in order to qualify for the monthly milestone benefit.

Similar Credit Cards

Card	Annual Fee	Offers/Benefits
SBI Card Elite	Rs. 4,999	Up to 50,000 extra points can be earned each year, and dining, department stores, and grocery store purchases earn 5X as many points.Membership in Club Vistara and Trident Privilege
IndusInd Bank Legend Credit Card	Rs. 9,999	Up to two reward points for every rupee of expenditure Free Golf GamesFree Easy Diner Prime Membership Low currency markup
Diners Club Privilege Credit Card	Rs. 2,500	Totally free yearly memberships On all retail purchases, there are 4 reward points for every Rs. 150 paid. Free use of the airport lounge benefit from monthly milestones
Axis Bank Select Credit Card	3,000 rupees (for Burgundy clients, NIL)	Rs. 2,000 worth of Amazon gift cards as a welcome bonus every Rs. 200 spend might earn you up to 10 Axis EDGE Reward Points. BigBasket is 20% off, and Swiggy Golf Privileges and Airport Lounge Access are 40% off.

HDFC Diners Club Black Card Application Status

All cherished customers of HDFC Bank have access to the service of monitoring the HDFC Diners Club Black Card Status on the bank’s official website. Depending on their preference, applicants can submit a credit card application offline or online. However, the cardholder can save a lot of time and work by checking the credit card’s status online. Every bank customer has access to a special Login ID, which they can use to check the status of their card at any time, anywhere. As a result, this keeps the application process clear and enables the applicant to stay updated on its status at all times.

HDFC Diners Club Black Card Credit Limit

The income, likelihood of payback, and credit score would be the main determinants of the loan limit. Therefore, it is anticipated of you to have a stable and high income, resulting in a great payback capacity, in order to receive an increased limit. Additionally, HDFC Bank can verify your credit score if you’ve ever had experience servicing credit. To fully assess your creditworthiness, the bank would even investigate your credit history. Before deciding on a credit limit for you, the bank will carefully consider all of that.

HDFC Diners Club Black Card Bill Payment

The bill amount would appear on the statement. Therefore, you can use any offline or online channel to pay your bills. Internet Banking, debit cards, credit cards from other banks, and other online payment methods are examples. On the other hand, you also have offline payment options like cash and checks to settle your debts. However, it would be wise to choose the same option given the convenience that using the internet provides.

HDFC Diners Club Black Card Customer Care 24X7 Number

There are many ways to get in touch with HDFC Bank customer service. Additionally, you can always go to the bank’s official website and submit your questions and grievances there. However, you can contact them directly by calling their toll-free helplines. You can always go to an HDFC bank if one is nearby to settle the problem.

The HDFC customer support line is open every day of the week, including holidays and Sundays. For any inquiries or to report a lost card, call their call centres at 61606161 or 6160616 (prefix the STD code). Additionally, you can email them at customerservices.cards@hdfcbank.com.

HDFC Diners Club Black Credit Card Statement

The HDFC Diners Club Black Card Statement serves as a transactional log. With the help of this feature, you may view your spending and repayment history. As a result, you can monitor the credit card’s transaction history. The statement includes the minimum and total amounts owed. More importantly, you may check the payment due date, which can assist you make sure you have enough money in your account to make the repayment on time. Avoid paying simply the minimal amount needed because the balance will continue to grow month after month, trapping you farther in debt. You should therefore shop in a method that will enable complete payment without interfering with your finances. Don’t forget to pay in full by the due date to prevent interest charges and taxes.

Comparisons: HDFC Millennia Credit Card vs HDFC Diners Club Black Credit Card

Categories	HDFC Bank Millennia Credit Card	HDFC Bank Diners Club Black Credit Card
Joining Fees	Rs. 1,000	Rs. 10,000
Editor’s Rating	4	4.6
Key Features	When you pay your membership fee, you will only be eligible for the Welcome Benefit of 1000 CashPoints. Spend Rs. 1,00,000 or more during the first year to receive a waiver of the renewal membership charge. Earn 5% CashBack on every purchase with a monthly CashBack earning cap of Rs. 2,250. Earn 5% CashBack on purchases made through PayZapp, SmartBuy, and Amazon, Flipkart, Flight & Hotel Bookings (minimum transaction size of Rs. 2000). 2.5% CashBack on every online purchase All offline purchases and wallet reloads will earn 1% CashBack. 8 complimentary visits to domestic lounges each year Free domestic airport lounge access every year Discover the Good Food Trail Dining programme at upscale eateries in the best cities. Fuel transactions are exempt from the 1% fuel surcharge (with a minimum transaction of Rs. 400 and a maximum CashBack of Rs. 250 each statement cycle). From the date of purchase, benefit from a maximum of 50 days of interest-free time. Report the loss of your HDFC Bank Millennium Credit Card right away to avoid being held responsible for any illegal purchases made with the Credit Card. Reward Level: Please be aware that CashPoints will be used to redeem the CashBack. Redeeming against the balance on the statement: 1 CashPoint is equal to 1 Rupee. Redeeming rewards for travel-related services like flight and hotel reservations and the rewards catalogue at the SmartBuy Rewards Portal: 1 CashPoint equals 30 Rupees. Redeem CashPoints at the following exchange rate: 1 CashPoint = 0.30 Rupees.	Spend Rs. 1.5 lakhs within the first 90 days or pay the joining cost to obtain the Welcome Benefit of Free Annual Memberships with Club Marriott, Double Black, Zomato Pro, Amazon Prime, Forbes, and Times Prime. Get the renewal fee waived for the following renewal year when you spend Rs. 5 Lakh in 12 months. Free annual memberships are made available after spending Rs. 8 lakhs annually on the card anniversary (12 months after the card was opened). Choose two monthly coupons worth Rs. 500 each from the available choices, such as an Ola Select membership, BookMyShow, or TataCLiQ, when you spend Rs. 80,000. Use reward points to reserve flights and accommodations on a variety of airlines and hotels. both here and abroad Access to airport lounges is free and unlimited in India and everywhere else. Get special discounts at top salons, spas, gyms, and other establishments. Complimentary There are six golf matches every three months both abroad and in India. Up to Rs. 2 crore in air accident insurance Up to Rs. 50 lakhs in emergency foreign hospitalisation coverage Liability for Credit Up to Rs. 9 lakhs in coverage Travel Protection Coverage of up to Rs. 55,000 for delayed baggage (capped at $10 per hour with a maximum of 8 hours) Get 1% off the convenience charge on fuel purchases between Rs. 400 and Rs. 5000 (up to a maximum of Rs. 1,000 off per statement cycle) Payout Ratio: Get 5 reward points for every Rs. 150 spent in retail. Reward Points can be exchanged for KrisFlyer Miles on Singapore Airlines, InterMiles, and Club Vistara: Reward Points equal one AirMile
Editor’s Review	Pros Take advantage of the free MasterCard, Diners Club, and Visa lounge access programme. The HDFC Bank Millennia Credit Card has contactless payment capabilities, enabling quick, easy, and safe payments at retail establishments. Revolving Credit is accessible with a low interest rate Drawbacks No golf or coaching events One year from the date of accumulation is the only time the Cash Points are valid. Interest rates are slightly higher than those of the other credit cards; they are 3.49% each month, or 41.88% annually.	Pros Enjoy credit with no interest for up to 50 days. Take advantage of a low foreign currency markup of 1.99% on expenditures. Cons of HDFC Bank Diners Club Black Credit Card’s exclusive 24/7 Concierge Services Cons The joining and renewal fees are somewhat costly. Reward points for fuel purchases have no advantages. There is no EMI conversion option available for easy credit card payment.

SBI Card ELITE Vs. HDFC Diners Club Black Credit Card

SBI Card ELITE

HDFC Diners Club Black

Complimentary Memberships Membership in Club Vistara Silver with one free lounge access voucher and one free upgrade voucher. For every Rs. 100 spent on Vistara Flights, earn 9 CV Points. Membership in the Red Tier of Trident Privilege with 1,000 welcome points. 10% immediate savings when making a reservation through the hotel website (10 points for Rs. 100).Priority Pass subscription Lounge Access 6 free visits to foreign airport lounges every year (maximum of two per quarter), spread throughout more than 1,000 lounges. Under Visa/Mastercard, two complimentary domestic lounge visits each quarter. Foreign Exchange Markup Fee 1.99% plus GST

Complimentary Memberships You will receive the following complimentary travel-focused memberships upon completing the card’s first transaction in the first year and upon meeting the annual expenditure threshold of Rs. 8 Lakh or more beginning in the second year: Membership in the Marriott Club Membership in MMT Double Black (for free hotel and flight cancellations) Lounge Access The Diners Club Lounge admission Programme provides unrestricted admission to more than 800 lounges worldwide, both domestically and internationally. This benefit is available to both primary and additional cardholders. Foreign Exchange Markup Fee  1.99% plus GST

HDFC Bank Infinia Vs HDFC Diners Club Black Credit Card

FEE	INFINIA	DINERS CLUB BLACK
Joining Fees	Rs 12500+GST	Rs 10000+GST
Welcome Benefit	First-year membership with Club Marriott If joining costs are paid, 12500 RP	Annual subscriptions to Forbes India, Amazon Prime, MMTBlack, and TimesPrime Smart on spending Rs. 1.5 lakh in 90 days
Annual Fees	Rs 12500+GST	Rs 10000+GST
Annual Fees Waiver	Rs 10 Lakhs Spend	Rs 5 Lakhs Spend
Renewal Benefit	If the renewal fee is paid, 12500 RP	Memberships in the welcome benefits are renewed after spending Rs. 8 Lakhs.
Issued as	Metal	PVC

Conclusion

After Infinia, the Diners Club Black HDFC credit card is the bank’s second most expensive card. While the Diners Club Black qualifying requirements are somewhat stricter than those for the Infinia card, they are still invitation-only. Both cards require an annual membership fee of Rs. 10,000. These two cards offer nearly similar rewards.

The Diners Club Black credit card gives free membership to a number of well-known subscription services including Forbes, Amazon Prime, and others, however the Infinia card has a greater cap on the maximum number of Reward Points that may be earned through the monthly SmartBuy offer. The Diners Club Black card also offers a weekend dining perk that doubles reward points for purchases made on Saturday and Sunday.

FAQs

Read More

Axis Bank Neo Credit Card	Axis Bank Select Credit Card
How to activate HDFC credit card	IndusInd Bank Platinum Credit Card
HDFC Infinia Credit Card	Axis Bank Magnus Credit Card
Airtel Axis Bank Credit Card	IDFC First Wealth Credit Card
Axis Bank Vistara Signature Credit card	Indian Oil Axis Bank Credit Card