My credit card India

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 [email protected].

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 Diners Club Black HDFC credit card is the second most premium card by the HDFC bank after Infinia. While the Infinia card is invite-only, the eligibility criteria for the Diners Club Black, as mentioned earlier, is also fairly strict. The annual membership fee of both the cards is the same, Rs. 10,000. Both these cards are almost equally rewarding.

While the Infinia card offers a higher cap on the Reward Points that can be earned under the monthly SmartBuy offer, the Diners Club Black credit card offers complimentary membership of many popular subscription services like Amazon Prime, Forbes, etc. Diners Club Black card also offers an additional weekend dining benefit with 2X Reward Points on dining spends on Saturdays and Sundays.

Overall, the HDFC Diners Club Black card is also a very good competitor of the Infinia card. If you are planning to sign up for a premium credit card, do compare the features and benefits of these two cards, visit this site to know more about the difference between the two.

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