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 Overview
| Feature | Details |
|---|---|
| Card Type | Premium Credit Card |
| Reward Rate | 10x reward points on select categories via SmartBuy; 5x on other categories |
| Reward Value | 1 Reward point equals ₹1 |
| Annual Fee | ₹10,000 + GST |
| Unique Selling Points | Unlimited lounge access, high reward rate, luxury perks |
| Rating (out of 5) | 4.8 |
Welcome Benefits for HDFC Diners Club Black Credit Card
| Welcome Benefit | Details |
|---|---|
| Reward Points | 50,000 reward points on spending ₹1.5 lakh within the first 90 days |
| Additional Benefits | Complimentary annual memberships to Club Marriott, Forbes Digital, Amazon Prime, and Swiggy One |
Joining Fees for HDFC Diners Club Black Credit Card
| Fee Type | Details |
|---|---|
| Joining Fee | ₹10,000 + GST |
| Renewal Fee | ₹10,000 + GST (Waived on spending ₹5 lakh annually) |
| Finance Charges | 3.6% per month (43.2% per annum) |
| Late Payment Fee | Ranges from ₹100 to ₹1,300 based on the outstanding balance |
Utility Payment Charges for HDFC Diners Club Black Credit Card
| Payment Type | Charges |
|---|---|
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No 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 Category | Reward Rate |
|---|---|
| Select Categories (via SmartBuy) | 10x reward points |
| Other Categories | 5x reward points |
| Reward Points Cap | 75,000 points per statement cycle |
| Reward Value | 1 Reward point equals ₹1 |
| Rewards Expire in | 3 years |
Milestone Benefits of HDFC Diners Club Black Credit Card
| Spending Milestone | Reward Earned |
|---|---|
| Monthly Spending of ₹80,000 | Vouchers worth ₹1,000 |
| Annual Spending of ₹8 lakh | Complimentary 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
| Category | Brands |
|---|---|
| Shopping | Myntra, Amazon, Pantaloons, Levi’s, Lifestyle, Shoppers Stop, Westside |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Oberoi Hotels, Taj Hotels, ITC Hotels |
| Cabs | Uber, Ola |
| Airline | Vistara, IndiGo, SpiceJet |
| Luxury Brands | Neiman Marcus, Gucci, Louis Vuitton |
| Merchandise | Apple, Samsung |
Airport Lounge Access with HDFC Diners Club Black Credit Card
| Access Type | Details |
|---|---|
| Domestic Lounges | Unlimited complimentary access |
| International Lounges | Unlimited complimentary access |
| Add-on Cardholder Benefits | Same 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 Type | Details |
|---|---|
| Forex Markup Fee | 1.99% 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:
- 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.
- 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 Card | Annual Fee | Lounge Access | Reward Rate | Reward Value | Special Benefits |
|---|---|---|---|---|---|
| HDFC Infinia Credit Card | ₹12,500 + GST | Unlimited lounge access | 10x points on travel and shopping | 1 point equals ₹1 | High reward rates, exclusive benefits |
| SBI Card ELITE | ₹4,999 + GST | 6 domestic and 2 international p.a. | 2 reward points for every ₹100 spent | 1 point equals ₹0.25 | Complimentary movie tickets, club memberships |
| Axis Bank Magnus Credit Card | ₹10,000 + GST | Unlimited domestic and international | 12 EDGE reward points for every ₹200 spent | 1 EDGE reward point equals ₹0.20 | Travel vouchers, dining discounts |
| Standard Chartered Ultimate Card | ₹5,000 + GST | Unlimited lounge access | 5 reward points for every ₹150 spent | 1 point equals ₹0.25 | Complimentary 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
Benefits of Standard Chartered Ultimate Credit Card. Learn about its rewards, features and benefits, lounge access. Perfect for luxury seekers!
Product Brand: Card Review
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
Benefits of Standard Chartered Ultimate Credit Card. Learn about its rewards, features and benefits, lounge access. Perfect for luxury seekers!
Product Brand: Card Review
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.
