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HDFC Diners Club Black Credit Card Review – Feature & Benefits

The HDFC Diners Club Black Credit Card is a top-tier offering from HDFC Bank, designed for individuals seeking premium benefits and exclusive perks. This card offers an array of advantages, including high reward rates, extensive travel benefits, and access to a wide network of airport lounges globally. In this comprehensive review, we explore the key features and benefits of the HDFC Diners Club Black Credit Card to help you determine if it aligns with your financial and lifestyle needs.

HDFC Diners Club Black Credit Card

HDFC Diners Club Black Credit Card Overview

FeatureDetails
Card TypePremium Credit Card
Reward Rate10x reward points on select categories via SmartBuy; 5x on other categories
Reward Value1 Reward point equals ₹1
Annual Fee₹10,000 + GST
Unique Selling PointsUnlimited lounge access, high reward rate, luxury perks
Rating (out of 5)4.8

Welcome Benefits for HDFC Diners Club Black Credit Card

Welcome BenefitDetails
Reward Points50,000 reward points on spending ₹1.5 lakh within the first 90 days
Additional BenefitsComplimentary annual memberships to Club Marriott, Forbes Digital, Amazon Prime, and Swiggy One

Joining Fees for HDFC Diners Club Black Credit Card

Fee TypeDetails
Joining Fee₹10,000 + GST
Renewal Fee₹10,000 + GST (Waived on spending ₹5 lakh annually)
Finance Charges3.6% per month (43.2% per annum)
Late Payment FeeRanges from ₹100 to ₹1,300 based on the outstanding balance

Utility Payment Charges for HDFC Diners Club Black Credit Card

Payment TypeCharges
Rent Payment1% fee using third-party apps like CRED, Paytm
Education1% fee using third-party apps
UtilitiesNo additional charges

Membership Benefits of HDFC Diners Club Black Credit Card

The HDFC Diners Club Black Credit Card offers a variety of premium benefits:

  • Travel Benefits: Unlimited access to domestic and international airport lounges for primary and add-on cardholders.
  • Dining and Entertainment: Earn 2x reward points on weekend dining.
  • Golf Benefits: Six complimentary golf games per quarter at select courses worldwide.
  • Concierge Services: 24/7 concierge services for golf course referral, dining reservations, and more.
  • Insurance Coverage: Air accidental death coverage up to ₹2 crore, credit liability cover up to ₹9 lakh, and travel insurance cover up to ₹55,000 for baggage delay.

Rewards from HDFC Diners Club Black Credit Card

Spend CategoryReward Rate
Select Categories (via SmartBuy)10x reward points
Other Categories5x reward points
Reward Points Cap75,000 points per statement cycle
Reward Value1 Reward point equals ₹1
Rewards Expire in3 years

Milestone Benefits of HDFC Diners Club Black Credit Card

Spending MilestoneReward Earned
Monthly Spending of ₹80,000Vouchers worth ₹1,000
Annual Spending of ₹8 lakhComplimentary memberships to Club Marriott, Forbes Digital, Amazon Prime, Swiggy One

Redemption of HDFC Diners Club Black Credit Card Points

Cardholders can redeem their reward points through various channels:

  • Travel: Convert points to Air Miles or book flights and hotels via SmartBuy.
  • Gift Vouchers: Redeem points for gift vouchers from leading brands.
  • Merchandise: Choose from a range of products in the rewards catalog.
  • Cashback: Convert points into statement credits (1:1 ratio).

Gift Vouchers Available

CategoryBrands
ShoppingMyntra, Amazon, Pantaloons, Levi’s, Lifestyle, Shoppers Stop, Westside
ElectronicsCroma
OTAMakeMyTrip, EaseMyTrip
HotelsOberoi Hotels, Taj Hotels, ITC Hotels
CabsUber, Ola
AirlineVistara, IndiGo, SpiceJet
Luxury BrandsNeiman Marcus, Gucci, Louis Vuitton
MerchandiseApple, Samsung

Airport Lounge Access with HDFC Diners Club Black Credit Card

Access TypeDetails
Domestic LoungesUnlimited complimentary access
International LoungesUnlimited complimentary access
Add-on Cardholder BenefitsSame benefits as primary cardholder

Airport Transfers with HDFC Diners Club Black Credit Card

The HDFC Diners Club Black Credit Card offers luxury airport transfer services at discounted rates, providing convenience and comfort for frequent travelers. This service requires prior booking through the HDFC Bank concierge.

Forex Markup Fee for HDFC Diners Club Black Credit Card

Fee TypeDetails
Forex Markup Fee1.99% on all international transactions

Eligibility for HDFC Diners Club Black Credit Card

To apply for the HDFC Diners Club Black Credit Card, applicants must meet the following criteria:

  • Age: 21 to 60 years old for salaried individuals; up to 65 years for self-employed individuals
  • Occupation: Salaried or Self-employed
  • Minimum Income (Salaried): ₹1.75 lakh per month
  • Minimum Income (Self-employed): ITR of at least ₹21 lakh per annum

How to Apply for the HDFC Diners Club Black Credit Card

Applying for the HDFC Diners Club Black Credit Card is straightforward:

  1. Online Application:
  • Visit the HDFC Bank website.
  • Click on the “Apply Now” button and fill out the required personal and financial information.
  • Submit the necessary documents online as per the instructions.
  1. Offline Application:
  • Visit the nearest HDFC Bank branch.
  • Request an application form for the HDFC Diners Club Black Credit Card.
  • Fill out the form with accurate details and attach the required documents.
  • Submit the form at the branch and await approval.

Card Review: HDFC Diners Club Black Credit Card

The HDFC Diners Club Black Credit Card is an excellent choice for high-net-worth individuals and frequent travelers seeking luxury and exclusive privileges. With extensive travel benefits, high reward rates, and a multitude of lifestyle perks, it offers substantial value for those who demand the best in credit card benefits.

Rating: 4.8

  • Overall Rating: 4.8
  • Benefits: 4.9
  • Fees: 4.5
  • Customer Service: 4.8

Pros and Cons of HDFC Diners Club Black Credit Card

Advantages of the Credit Card:

  • Extensive travel benefits, including global lounge access.
  • High reward rates on select categories.
  • Comprehensive concierge services and premium membership perks.

Potential Drawbacks:

  • High annual fee of ₹10,000 + GST.
  • Lesser acceptance compared to cards on the Visa platform.

Cards Similar to HDFC Diners Club Black

Credit CardAnnual FeeLounge AccessReward RateReward ValueSpecial Benefits
HDFC Infinia Credit Card₹12,500 + GSTUnlimited lounge access10x points on travel and shopping1 point equals ₹1High reward rates, exclusive benefits
SBI Card ELITE₹4,999 + GST6 domestic and 2 international p.a.2 reward points for every ₹100 spent1 point equals ₹0.25Complimentary movie tickets, club memberships
Axis Bank Magnus Credit Card₹10,000 + GSTUnlimited domestic and international12 EDGE reward points for every ₹200 spent1 EDGE reward point equals ₹0.20Travel vouchers, dining discounts
Standard Chartered Ultimate Card₹5,000 + GSTUnlimited lounge access5 reward points for every ₹150 spent1 point equals ₹0.25Complimentary golf, concierge services

Comparison

  • HDFC Infinia Credit Card offers similar benefits with higher reward rates and unlimited lounge access.
  • SBI Card ELITE provides good rewards on dining and entertainment with a more affordable annual fee, suitable for lifestyle benefits.
  • Axis Bank Magnus Credit Card offers higher reward rates and extensive travel benefits with a more affordable annual fee.
  • Standard Chartered Ultimate Card offers a balance of travel and lifestyle benefits with unlimited lounge access.

Relevant Links

To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:

For more detailed information about HDFC Bank credit cards and other financial products, you can visit the official HDFC Bank website.

FAQ

Q: What is the annual fee for the HDFC Diners Club Black Credit Card? A: The annual fee for the HDFC Diners Club Black Credit Card is ₹10,000 + GST, which can be waived on spending ₹5 lakh annually.

Q: How can I earn reward points with the HDFC Diners Club Black Credit Card? A: You can earn 10x reward points on select categories via SmartBuy and 5x reward points on other categories.

Q: Does the HDFC Diners Club Black Credit Card offer lounge access? A: Yes, the card offers unlimited complimentary access to both domestic and international airport lounges for primary and add-on cardholders.

Q: What is the forex markup fee for international transactions? A: The forex markup fee for international transactions is 2%.

Q: Are there any milestone benefits with the HDFC Diners Club Black Credit Card? A: Yes, you can earn vouchers worth ₹1,000 monthly on spending ₹80,000 and complimentary annual memberships on spending ₹8 lakh annually.

Q: How do I apply for the HDFC Diners Club Black Credit Card? A: You can apply for the HDFC Diners Club Black Credit Card online through the HDFC Bank website or offline by visiting the nearest HDFC Bank branch.


Standard Chartered Ultimate Credit Card Features & Benefits
Standard Chartered Ultimate Credit Card

Benefits of Standard Chartered Ultimate Credit Card. Learn about its rewards, features and benefits, lounge access. Perfect for luxury seekers!

Product Brand: Card Review

Editor's Rating:
4.7

Pros

  • Unlimited complimentary access to domestic and international airport lounges.
  • High reward rate of 5 points for every ₹150 spent.
  • Comprehensive travel insurance and concierge services.
  • Complimentary access to select golf courses and exclusive golfing events.
  • 5% cashback on duty-free transactions.
  • Lowest forex markup fee of 2%.

Cons

  • High annual fee of ₹5,000 + GST.
  • Limited Voucher Options.
  • No milestone benefits.
Standard Chartered Ultimate Credit Card Features & Benefits
Standard Chartered Ultimate Credit Card

Benefits of Standard Chartered Ultimate Credit Card. Learn about its rewards, features and benefits, lounge access. Perfect for luxury seekers!

Product Brand: Card Review

Editor's Rating:
4.7

Pros

  • Unlimited complimentary access to domestic and international airport lounges.
  • High reward rate of 5 points for every ₹150 spent.
  • Comprehensive travel insurance and concierge services.
  • Complimentary access to select golf courses and exclusive golfing events.
  • 5% cashback on duty-free transactions.
  • Lowest forex markup fee of 2%.

Cons

  • High annual fee of ₹5,000 + GST.
  • Limited Voucher Options.
  • No milestone benefits.

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