HDFC Diners Club Black Credit Card - Features, Benefits, Fees & Charges

HDFC Diners Club Black Credit Card (4)

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If you're looking for a credit card that can make your dreams come true, then you should check out the Diners Club Black Credit Card! It's considered one of the top super premium credit cards, and while there is a joining and annual fee of ₹10,000, it's totally worth it. With a reward rate ranging from 3.3% to 33%, you can enjoy exclusive benefits like golf access, free memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One and MMT BLACK, dining, travel, insurance benefits and much more! Keep reading to learn more. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Free annual memberships of Forbes Digital Subscription, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Elite Tier and Amazon Prime on payment of the joining fee or by spending ₹1.5 lakhs within the first 90 days.

Travel Benefit

Find and book your flights and hotels easily! You can choose from over 150 airlines and various hotels in India and abroad at smartbuy.

Reward Points
  • Earn 5 Reward Points for every ₹150/- retail spent.
  • Upto 10X Reward Points on spends via SmartBuy.
  • 2X Reward Points on weekend dining.
  • Reward Rate- 3.3% to 33%.
Lounge Access

Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members. 
For Domestic Lounges, click here.
For International Lounges, click here.

Milestone Benefit

All Diners Black card members can select any two monthly milestone benefits from a choice cult.fit Live 1- month subscription or BookMyShow or TataCLiQ or Ola cabs vouchers worth ₹500 every month provided your net spend ₹80,000 in a calendar month.

Concierge Services

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card.
Call:1800118887 / Landline - 022 42320226

Dining Benefit

25% savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants), Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

Entertainment Benefit
  • Get 6 free golf games every quarter at over 15 golf courses in India and over 100 golf courses worldwide on Diners Black Credit Card.
    For Domestic Golf Courses details, click here.
    International Golf Courses, click here

  • Exclusive discounts at leading spas, salons, gyms and other wellness retreats. Click here to view details.

Insurance Benefit
  • Air accident insurance cover worth ₹2 crore
  • Emergency overseas hospitalisation: ₹50 Lacs
  • Travel Insurance Cover of up to ₹55,000 on baggage delay 
    (Capped to 10$ per hour restricted to 8 hours)                                                                 
  • Credit Liability Cover of up to ₹9 Lakh
EMI Benefit

With the HDFC Bank Diners Club Black Credit Card, you can change your large purchases into smaller monthly payments after you buy them.

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max CashBack of ₹1000 per statement cycle)

Interest-Free Period

Up to 50 days of interest-free credit period on your HDFC Bank Diners Club Black Credit Card from the date of purchase.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹10,000

Annual Fee

₹10,000

Annual Percentage Rate

23.88%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

40%

Card Replacement Fee

₹ 100

Foreign Transaction Fee

2%

Over Limit Penalty

2.5%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.30
Late Payment Charges

Balance below ₹100

Nil

Balance from ₹100 to ₹500

₹100

Balance from ₹501 to ₹5000

₹500

Balance from ₹5001 to ₹10000

₹600

Balance from ₹10001 to ₹25000

₹800

Balance from ₹25001 to ₹50000

₹1100

Balance more than ₹50000

₹1300
Pros

Aspects that make this credit card amazing.

  1. Free Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One and MMT BLACK.
  2. Decent reward rate of 3.33%.
  3. Unlimited Airport lounge access to 1000+ Lounges for primary and add-on card members.
  4. Air accident insurance cover worth ₹2 crore.
Cons

Aspects this credit card lacks.

  1. Diners Club Black Credit Card has a high annual fee.
  2. Income group eligible for the card is also a little high.
  3. The Diners Club payment network is not as widely accepted as Visa or Mastercard. This means that you may not be able to use your card at all merchants.
HDFC Diners Club Black Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(4)

HDFC Diners Club Black Credit Card Review

The HDFC Diners Club Black Credit Card is a premium credit card that offers a wide range of exclusive benefits, including high rewards, exclusive travel and lifestyle benefits, and comprehensive insurance coverage. However, it also has a high annual fee and limited acceptance.

Overall, the HDFC Diners Club Black Credit Card is a great choice for high-net-worth individuals who are looking for a credit card that offers the best of everything. If you are a high-spender who travels frequently and enjoys exclusive lifestyle benefits, then this card may be worth the high annual fee. However, if you are not a big spender or do not travel frequently, then you may want to consider a different credit card with a lower annual fee and more widespread acceptance.

Cards similar to HDFC Diners Club Black Credit Card:

1. Axis Bank Magnus Credit Card
2. SBI Elite Credit Card
3. Axis Bank Select Credit Card

Overview

Joining and Annual Fee

₹10,000 + taxes 

Welcome Bonus

Club Marriott, MMT Black, Swiggy One, Amazon Prime, Forbes Digital subscription, as a welcome benefit upon achieving spending of ₹1.5 lakhs within the first 90 days or upon joining fee realization.

Best For

Lifestyle

Reward Rate

3.33%

Card Type

Premium Credit Card

Card Network

Diners Club

Reward Points on HDFC Diners Club Black Credit Card

Spend Category

Reward Rate

Base reward rate

5 reward points per ₹150 spent

Weekend dining

2X reward points (10 reward points per ₹150 spent)

Grocery transactions

5 reward points per ₹150 spent

Partner brands

Up to 10X reward points

Insurance transactions

5 reward points per ₹150 spent

Where 1 Reward Point is equivalent to

SmartBuy (Flights/Hotels)

1

Airmiles

1.00 AirMile

Product Catalogue (vouchers/products)

Upto 0.50

Cash back

0.30

Is the HDFC Diners Club Black Credit Card worth it?

Whether or not the HDFC Diners Club Black Credit Card is worth it depends on your individual needs and spending habits. If you are a high-spender who travels frequently and enjoys exclusive lifestyle benefits, then this card may be worth the high annual fee. However, if you are not a big spender or do not travel frequently, then you may want to consider a different credit card with a lower annual fee and more widespread acceptance.

Who should get an HDFC Diners Club Black Credit Card?

Here are some people who should consider getting the HDFC Diners Club Black Credit Card:

  • High-spenders: The HDFC Diners Club Black Credit Card is a great choice for high-spenders who can maximize the rewards and benefits offered by the card. The high reward rate and exclusive travel and lifestyle benefits can make the high annual fee worthwhile.
  • Travellers: The HDFC Diners Club Black Credit Card is also a great choice for travellers. The complimentary travel insurance, airport lounge access, and discounts on airlines and hotels can make your travel experiences more enjoyable and affordable.
  • Lifestyle enthusiasts: The HDFC Diners Club Black Credit Card is a good choice for lifestyle enthusiasts who enjoy exclusive benefits at hotels, restaurants, spas, and other lifestyle brands.

If you are not a high-spender, traveler, or lifestyle enthusiast, then you may want to consider a different credit card with a lower annual fee and more widespread acceptance.

How to apply for HDFC Diners Club Black Credit Card?

To apply for HDFC Diners Club Black Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose HDFC Bank from the list.
Step 4: Choose 'HDFC Diners Club Black Credit Card' and click on 'Apply Now' button.
Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

HDFC Diners Club Black Credit Card Eligibility

For Salaried Indian national

  • Age Min 21 yrs & Max 60 yrs
  • Income: Net Monthly Income > ₹1.75 Lakhs per month 

For Self Employed  Indian national

  • Age: Min 21 yrs & Max 65 yrs
  • Income: ITR > ₹21 Lakhs per annum for self-employed customers 

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HDFC Bank

HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Total Cards:

2,04,04,625
HDFC Bank Credit Card News
08 Feb 2024, Thursday
1. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
2. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.

19 Oct 2023, Thursday
3. HDFC introduces enhanced Diners Club Metal Edition Credit Card

HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst cult.fit Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
4. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
5. Swiggy to launch co-branded credit card with HDFC Bank.

Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.

HDFC Diners Club Black Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

Diners Club Black card members can enjoy unlimited complimentary airport lounge access to over 1000 partner lounges worldwide. Lounge visit is complimentary for both primary and add-on Card holders.

Please note: Add-on card member must present the add-on card at the lounge for the benefit.
 

HDFC Bank Diners Club Black Credit card members are eligible for annual memberships of the following partners - Club Marriott, MMT Black, Swiggy One, Amazon Prime, Times Prime Smart, Forbes Digital subscription, as a welcome benefit upon achieving spends of 1.5 lakhs within the first 90 days or upon joining fee realisation. Card member will receive the benefits within 30 days of meeting eligibility condition.

An HDFC Bank Diners Club Black Credit Card member upon achieving annual spend milestone of Rs. 8 Lakhs, is eligible for annual memberships of the following partners - Club Marriott, MMT Black, Swiggy One, Amazon Prime, Forbes Digital subscription.

The interest rate for the HDFC Diners Club Black Credit Card is 1.99% per month, which is equivalent to 23.88% per annum.

Yes, the HDFC Diners Club Black Credit Card provides a variety of insurance coverage benefits, including:

  • Air accidental death coverage: Rs. 2 crore
  • Emergency overseas hospitalization: Rs. 50 lakhs
  • Credit liability cover: Rs. 9 lakhs
  • Travel insurance cover of up to Rs. 55,000 on baggage delay

Whether or not the HDFC Diners Club Black Credit Card is worth it depends on your individual needs and spending habits. If you are a high-spender who travels frequently and enjoys exclusive lifestyle benefits, then this card may be worth the high annual fee. However, if you are not a big spender or do not travel frequently, then you may want to consider a different credit card with a lower annual fee and more widespread acceptance.

Card member can enjoy access to leading golf courses in India and overseas and enjoy complimentary golf games (6 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge.

Yes, you can get an add-on card for your family members with the HDFC Diners Club Black Credit Card. You can request for up to 3 add-on cards, and each card will have a separate credit limit, which will be a sub-set of your primary card's limit.

To be eligible for an add-on card, the family member must be a resident of India and must be at least 18 years of age. They must also be a close family member, such as your spouse, child, or parent.

A card member can earn 5 Reward Points for every Rs.150 spent. Redeem their accumulated Reward Points against air tickets, hotels, and international experiences at 1 reward point = 1 rupee, and gifts from our catalogue at 1 reward point = 0.50 Paise by visiting https://offers.smartbuy.hdfcbank.com/diners.

Yes, there is a renewal fee for the HDFC Diners Club Black Credit Card. The renewal fee is Rs.10,000 plus applicable taxes. 

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AU Bank Zenith+ (4.3) Full Details

Premium
Best For : Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹4,999

Annual Fee

₹4,999

Annual Percentage Rate

23.88%