HDFC Diners Club Black Credit Card

HDFC Diners Club Black Credit Card is specifically designed for people who love to enjoy the fine and luxurious standard of living.

As we already know, HDFC Bank is one of the important and leading banks in India. They not only offer several amazing financial services, but they are also known for their credit cards and rewards they offer.

As of now, the HDFC Bank has introduced several types of credit cards such as Infinia Credit Card, HDFC Millennia Credit Card, HDFC Black Credit Card, HDFC Diners Club Miles Credit Card, HDFC Diners Club Rewardz Credit Card, HDFC IndianOil Credit Card, and many more.

HDFC Diners Club Black Credit Card has various features and benefits that will heighten up your lifestyle. With various cash points and rewards, gift vouchers, and convenient concierge service you can make your daily life smooth. Read below to know more details about the HDFC Diners Club Black Credit Card.

 Highlights of HDFC Diners Club Black Credit Card 

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Table of Contents

• Features of HDFC Diners Club Black Credit Card
• Benefits of HDFC Diners Club Black Credit Card
• Eligibility Criteria
• Documents Required
• HDFC Diners Club Black Credit Card V/s HDFC Infinia Credit Card
• Steps to Apply
• Fees & Charges
• FAQs

HDFC Diners Club Black Credit Card Features

There are various features that you can enjoy throughout the year. These are the following features of credit card that you must know-

Welcome Benefits

When you obtain an HDFC Diners Club Black Credit Card, you get an amazing welcome benefit. In this welcome benefit, the applicants get a complimentary annual membership with Forbes, Club Marriott, Amazon Prime, and many more. You can avail of this benefit by making the first transaction with this card.

Hence, with this benefit, you can enjoy discounts and visit these clubs the year.

Insurance Benefits

Another major benefit that you can enjoy with this credit card is the insurance benefit. You will get travel insurance cover to make sure that you can enjoy every moment of your holiday. These are the travel insurance covers that you get with the HDFC Diners Club Black Credit Card-

• You will get an air accidental death coverage worth Rs. 2 crores.
• Then you will get another cover of credit liability cover up to Rs. 9 lakh. It means that if your credit card gets lost or stolen, you will not have to pay for the fraudulent transactions. But, you need to immediately report to the bank to avail of this advantage.
• After that, you will get an insurance cover for your travel for baggage delay. In this cover, you will get a cover worth up to Rs. 55,000 for baggage delay.
• The HDFC Diners Club Black Credit Card also covers foreign emergency medical support and hospitalisation worth Rs. 5 lakh.

Thus, these are the crucial insurance cover that you can enjoy with the card by the bank.

Annual Benefits

You will also get access to the HDFC Diners Club Black Credit Card. You will get these annual benefit if you spending Rs. 8 lakhs within one year of the issuance date of the card.

Financial Benefits

The users get various financial benefits with the HDFC Diners Club Black Credit Card. It is because this credit card offers low foreign exchange markup charges of 1.99% on all your foreign transactions.

After that, you will also enjoy interest-free credit. With this credit card, you can enjoy up to 50 days of interest-free period for your payments.

Concierge Services

The HDFC Bank has a dedicated 24X7 concierge service for its customers. you can use the concierge services for the following-

• Assistance for the delivery of flowers and gifts.
• You can also use the concierge desk for various business services.
• Along with that, you can also get referral assistance and do hotel reservations with the concierge desk.
• You will also get a referral for golf courses and reservations.
• The card users can also use these services for limousine and car rental services.
• Along with that, you can also take assistance from the concierge desk for courier services.

Compare with other cards: Visit Credit Card Comparison page.

Benefits of HDFC Diners Club Black Credit Card

After you have known about the features of the HDFC Diners Club Black Credit Card, we have listed its amazing benefits. To know about the various benefits of this credit card, you can read further below-

Wellness Benefits

The HDFC Diners Club Black Credit Card offers various wellness benefits for its users to enjoy such as discounts at several spas, gyms, and many more. These are the following wellness benefits you can enjoy-

You can get several discounts with this credit card at various fitness centres such as Anytime Fitness, Kirus Gethin, Cult Fit, and Golds Gym.

The users of the HDFC Diners Club Black Credit Card can also enjoy exclusive discounts at different spas and salons. You can avail of this advantage at these spas- VLCC, O2 Spa, Four Fountains de-stress Spa, Enrich Salons and Academy, Tattva Spa, and Jean Claude Biguine.

In this section, the users will also get a huge discount for nutrition centers that include Gympik, Grow Fit, Healthie, and Calorie Care.

You can also avail of significant discounts at various spa resorts such as Shreyas Retreat Bangalore, NatureOville Vedic Retreat Rishikesh, Rajasthan Red, Tijara Fort Palace Rajasthan, Tree of Life, Kairali, Neemrana Fort Palace Rajasthan, and Earth Kabini.

With the HDFC Diners Club Black Credit Card, you can also avail yourself of the discount for doctor consultation through online mode. You can enjoy this discount by using the HDFC Club Black Credit Card on DocsApp.

Monthly Milestone Benefits

The HDFC Diners Club Black Credit Card also comes with a Milestone Benefit. The users can choose among two monthly vouchers offered by HDFC Bank from Ola Select Membership, BookMyShow, or TataClio. The cost of the voucher is Rs. 500 per month.

Reward Points Programme

The HDFC Bank also has a reward point programme for its users. In this programme, for every spend of Rs. 150, you get will earn 5 reward points.

You can further redeem the rewards for hotel bookings and air tickets on every transaction with the HDFC Diners Club Black Credit Card. To redeem the reward points, you can visit the website of HDFC Diners Club to avail of discounts on various products from the catalogue.

Validity of Reward Points

The reward points also have some limitations or validity. So, it is very important that you must redeem the rewards on the right time. Firstly, the HDFC Diners Club Black Credit Card has a validity of 3 years from the date of transactions. However, the transactions for EMIs and E-wallets are not eligible for reward point.

For insurance transactions with the HDFC Diners Club Black Credit Card, you can accumulate a maximum of 5000 reward points in a day.

Golf Programme

The HDFC Diners Club Black Credit Card also has a gold programme for its users. in this category, you will get six complimentary access for golf games every quarter around the world.

Also, the users will get a 24 hours concierge service for assistance for Golf.

Increased Credit Limit

The users of HDFC Diners Club Black Card also enjoy a higher credit limit. The limit of the card depends upon several factors such as income, repayment habits, etc. The credit limit of this card begins from Rs. 4 Lakhs. As a result, you can enjoy excellent benefits throughout the year without worrying about the extra charges. However, the bank sets the limit between Rs. 4 lakhs to 8 lakhs.

Travel Benefits

There are wide range of advantages that you can avail of with the HDFC Diners Club Black Credit Card. These are the following travelling advantages that you can enjoy with the card-

1 reward point is equivalent to Rs. 1. You can use the rewards for hotel reservations and booking air tickets, for both international and domestic purposes.

There are various airline services for you which you can redeem the reward points that include- Club Vistara, British Executive Club (Avios), Jet Airways (JPMiles), Singapore Airlines. To avail of this advantage, you must register your card with frequent flyer registration through net banking with a credit card.

Apart from that, you will also get access to unlimited airport lounge access throughout the world. In addition to the primary card holders, the add-on card holders can also avail themselves of this facility.

Eligibility Criteria to Apply for the HDFC Diners Club Black Credit Card

To apply for the HDFC Diners Club Black Credit Card, you need to meet the eligibility criteria. If you are not able to meet the eligibility criteria otherwise your application can get rejected. If you are looking forward to applying for the HDFC Diners Club Black Credit Card, then you must meet the below-mentioned criteria-

Age

To apply for the HDFC Diners Club Black Credit Card, you must have the right age. For both salaried and self employed applicants, the minimum age to apply for the card is 21 years.

The maximum age for the salaried applicants to apply for the HDFC Diners Club Black Credit Card is 60 years. Whereas, the maximum age to apply for the card is 65 years.

Income

For the salaried applicants, the monthly income should be at least Rs. 1.75 lakh or more than that.

Also, for self-employed applicants the annual income tax returns should be at least Rs. 21 Lakh or above.

Nationality

It is very important the applicant must have Indian Citizenship.

Make sure that you fit in the above mentioned criteria to obtain an HDFC Diners Club Black Credit Card.

CIBIL Score

It is also very important that the applicant should have a good CIBIL Score to apply. For both salaried professionals and self-employed applicants, they must have a good CIBILscore of 700 or more than that. If you have a low score than that, then the bank can reject your application. Along with that, the bank also looks after your repayment habits, ongoing debts, current employment status, etc. Hence, you must improve your CIBIL score with the timely payment of your EMIs and other debts.

Documents required for HDFC Diners Club Black Credit Card

To apply for the HDFC Diners Club Black Credit Card, you need to submit certain documents for verification. After that, the bank will proceed with the further application process. You must be ready with the photocopy or softcopy of the following documents-

Address Proof

For address proof, you will require the following documents-

• Ration Card
• Adhaar Card
• Utility Bills
• Voter ID Card

Identity Proof

You will need these below-mentioned documents to apply for the HDFC Diners Club Black Credit Card-

• Recent Coloured Passport Sized Photograph
• Adhaar Card
• Voter ID Card
• Driving License

Income Proof

These are the necessary documents that you need to submit for income proof-

• PAN Card Photocopy
• Salary Slip of last three months
• Copy of Income Tax Return of Past three months
• Recent Bank Statement

HDFC Diners Club Black Credit Card V/s HDFC Infinia Credit Card

The HDFC Infinia Credit Card and HDFC Diners Club Black Credit Card are two popular cards. If you still have doubts regarding the HDFC Diners Club Black Credit Card, then we have compared both these cards in the following-

Airport Access

In this category, with the Infinia and the Diners card, the primary and add on members get unlimited access to international as well as domestic airport lounges across the world.

Monthly Miles Benefit

The users of Diners Black credit |Card get been benefitted as they enjoy various monthly milestone benefits. You will get various vouchers on BookMyShow, Ola. TataCliQ worth Rs. 1000 for monthly spend of Rs. 80,000. But, the Infinia card doesn’t offer this advantage.

Renewal Benefit

For renewal benefit, the users of Infinia card get 10000 reward points. But, there is no specific benefit for the users of the Diners card.

Reward Points

The users of Infinia cards can get to enjoy 10X reward points for transactions with the SmartBuy portal. But, If you are the owner of HDFC Diners Club Black Credit Card, along with the 10X reward points from SmartBuy, you can also avail them from other brands such as Zoomcar, Firstcry, Myntra, and Ola.

Maxcap for Bonus 10X Reward Points

In this category with the Infinia Card, you will get a 25000 points with SmartBuy. However, if you have HDFC Diners Club Black Credit Card, you can get 15000 Maxcap bonus of 15000 points on a transaction through SmartBuy. Along with that, you will get 25,000 on other partner brands.

Air Accident Insurance

The Infinia card by HDFC Bank offers Rs. 3 Crores for an air accident insurance. However, with the Diners Card, you will get a air accident cover of Rs. 2 crores.

Welcome Benefit

If you have the Infinia card, you will get 1000 points as a welcome benefit. Apart from that, you will also get a membership with Club Marriott.

The users of HDFC Diners Club Black Credit Card will get a membership with different partner brands such as Amazon Prime, MakeMyTrip, Club Marriott, Subscription with Forbes Digital, membership of Zomato Gold, and Times Prime as well.

Partners for AirMile Transfer

The partners for AirMile with the Infinia card include- Singapore and InterMiles. But, with the Diners Card, the partners for AirMile Programme are- Club Vistara, British Airways Executive Club, and InterMiles.

Network of Airport Lounges

The owners of Infinia cards can enjoy lounge access across the world. It has a vast network of over 1300 airports. However, the Diners card has a network of around 1000 and above airport lounges.

With this comparison, you can thoroughly understand the various benefits and features of both cards. They both have several similar features that you can enjoy round the year. You can choose any one of them or opt to apply for different credit cards by HDFC Bank.

How to Apply for HDFC Diners Club Black Credit Card?

The application process for HDFC Diners Club Black Credit Card is very easy and simple. You can apply for the HDFC Diners Club Black Credit Card through offline and online mode. Read below to know about the steps to apply for the Diners Black Card.

Offline Mode

• You can visit the nearest branch of HDFC Bank in your area and inquire about the application form for the HDFC Diners Club Black Credit Card.
• If you face any problem, then you can also ask help from the bank executives to fill the form.
• After filling up the form, you need to attach the above-mentioned documents and submit them to the bank.
• The bank will verify your application and if it gets approved, you will receive the card in a duration of 21 days.

Online Process

To apply for the HDFC Diners Club Black Credit Card through online mode, you can follow these steps-

• Go to the official website of HDFC Bank.
• After that, you need to click on “Check Eligibility.”
• If you are eligible, a new page will open for the online application.
• Then fill in the required details such as name, email id, phone number, address, etc.
• After that, click on Submit.
• The next step is to upload the documents and then again click on the “Submit” option.

Thus, the application process is complete. But, you must note the application number after submitting the form. You can use that number to check the application status.

Fees and Charges of HDFC Diners Club Black Credit Card

HDFC Bank charges different fees for different use of the HDFC Diners Club Black Credit Card. To know about the different charges and fees about the card, read the information provided below-

Joining Fee– The joining fee is Rs. 10,000 along with applicable charges.

Annual Fee Waiver– Nil

Renewal Fee– You have to pay Rs. 5,000 as a renewal fee for the card from the second year of card issuance.

Fee for Cash Withdrawal– The minimum amount for cash withdrawal is Rs. 500. HDFC Bank charges 2.5% of the total transaction as a fee for cash withdrawal.

Fees for Supplementary or Add On Credit Card– There are no charges for add for this facility.

Interest Rate– HDFC Bank charges 1.99% as interest rate per month.

Over Limit Penalty– The minimum amount for an over limit penalty s Rs. 500. The bank charges 2.5% as over limit penalty on the total amount.

Fee for Card Issuance– Rs. 100.

Fees for Cash processing– Rs. 100 on every transaction.

Charges for Payment Return– Minimum amount is Rs. 450. You will have to pay 2% of the total amount.

Foreign Currency Markup Charges– You have to pay 1.99% of the total transaction.

Fees for Late Payment– For amount Less than Rs. 100, there is no fee. Rs. 100 for amount due between Rs. 100- Rs. 500. Rs. 500 for payment due between Rs. 501 to Rs. 5000. Rs. 600 for payment due between Rs. 5001- Rs. 10,000. Rs. 800 for payment due between Rs. 10,001 to Rs. 25,000. Rs. 950 for payment due more than Rs. 25,000.

If you spend Rs. 5 Lakh in a year with this card, the renewal fee will be waived for the next year.

This is the important information about HDFC Diners Club Black Credit Card. With the above mentioned benefits and features of the card, you can understand the various facilities you can enjoy with this card. it will elevate your lifestyle and make your daily life hassle-free and smooth. Also, the eligibility criteria, reward redemption, waivers, etc. will make your experience even better.

FAQs

If you have any queries and confusion regarding the services and the advantages of the HDFC Diners Club Black Card, then this section will help you out. Along with that, you can also know about other important details about the card. Read below to know more about HDFC Bank Diners Club Black Card-

When do the reward points of the HDFC Diners Club Black Card expire?

You can use the reward points up to 3 years from the date of accumulation. So, you must redeem the reward points on time so that you never miss to enjoy any advantage of the card.

What is the benefit of low- foreign currency transaction fees?

There is a huge advantage to enjoy low- foreign currency transaction fee. It means that you can save huge money on your foreign shopping. Thus, if you are a travel enthusiast and a shopaholic, then you can get several foreign deals with a low markup fee.

Is it possible to use all the reward points for hotel bookings and flight tickets?

Yes, you can easily use all the reward points if you have them in a sufficient amount. This process is also called “Redeem Points Booking.

Can the users earn reward points on the fuel purchase through the Diners Club Black Card by HDFC Bank?

No, with this card, you are not able to earn the reward points for payment of fuel transactions through HDFC Diners Club Black Card.

Is the Diners Club Black Card worth it?

Yes, the HDFC Bank Diners Club Black Card is absolutely worth it if you are looking for numerous advantages throughout the year. With this card, you can get unlimited lounge access, Discounts on international spends air tickets, instant vouchers for weekend dining, and many more.

What are the wellness advantages of the HDFC Bank Diners Club Black Card?

There are various wellness advantages that you can gain through the HDFC Bank Diners Club Black Card. You can enjoy discounts at spa resorts, fitness, doctor consultation, salons such as Fountains De Stress Spa, Singapore Airlines, Shreyas |Retreat Bangalore, Enrich Salons, and many more.

What is the Golf Programme that comes along with HDFC Bank Diners Club Black Card?

The HDFC Bank Diners Club Black Card also offers golf programmes for its users. In this programme, you will get various facilities in golf courses throughout the year. The users will get around six complimentary games for golf every quarter on golf courses. You can enjoy this benefit among various golf courses around the world.

How to get more information about the HDFC Bank Diners Club Black Credit Card?

To know more about the HDFC Bank Diners Black Credit Card, you can visit the website of HDFC Bank from your browser. You can also contact to customer care services of HDFC Bank to get details of the credit card. You can dial the toll-free number 1800-266-4332 to know more about the Diners Club Card by HDFC Bank.

How many days does it take for the card to arrive after application?

After you have successfully applied for the card, you have to wait around 21 days to receive the Double Black Card after verification.

Can I withdraw cash with the HDFC Bank Diners Card?

Yes, you can easily withdraw cash with the HDFC Bank Diners Card from any ATM. The HDFC Bank charges 2.5% of the total amount as cash withdrawal charges.