Should You Upgrade from HDFC Diners Club Privilege to Diners Club Black Metal Credit Card?

HDFC Bank Diners Club Privilege Credit Card is a premium credit card held by many. This card covers all the basic features of a credit card, like offering great rewards on spends while offering additional benefits like free airport lounge access, BOGO on movies, and accelerated reward points on food/dining. Many people have now started receiving offers from HDFC Bank to upgrade their credit cards from Diners Club Privilege to Diners Club Black, a super-premium card with far more privileges and benefits. Here is where the dilemma arises. Should everyone who receives the offer simply upgrade to the better, more rewarding card? Well, no, each individual should keep in mind the high fee structure of Diners Club Black Credit Card along with the status of their current card, like whether it is a lifetime free card or not.Applying for a new credit card can be a very thoughtful and tiresome task for all of us. Those who receive an upgrade offer on their existing credit card might initially think of it as a simple task, but it often isn’t. When upgrading a card, one has to keep several things in mind, such as the fee and reward structure of the new card. Today, we shall discuss everything surrounding the upgrade from Diners Club Privilege to Diners Club Black Credit Card.

Main Differences Between Diners Club Privilege and Black Credit Card

The Diners Club Privilege Credit Card is a premium offering from HDFC Bank. It has an annual fee of ₹2,500. While it offers some great privileges, the Diners Club Black Metal Credit Card surpasses it. The metal edition of the Diners Club Black card offers the best-in-class privileges and rewards. Compared to the Diners Privilege, the Diners Black Card comes with a higher joining/annual fee of ₹10,000. Let’s review the major differences between these two cards.

Features	Diners Club Privilege	Diners Club Black Metal
Joining/Annual Charge	₹2,500 + GST	₹10,000 + GST
Required Spends for Annual Fee Waiver	₹3 Lakh	₹8 Lakh
Joining Benefits	Complimentary Membership of Swiggy One & Times Prime (On Spends of ₹75,000 Within 90 Days of Card Issuance)	Complimentary Membership of Club Marriott, Swiggy One, and Amazon Prime (On Spends of ₹1.5 Lakh Within 90 Days of Card Issuance)
Rewards	4 Reward Points for Every ₹150 Spent	5 Reward Points for Every ₹150 Spent
Reward Points on Smartbuy	Upto 10X Reward Points	Upto 10X Reward Points
Forex Charges on International Spends	2%	2%
Airport Lounge Access	8 Free International and Domestic Lounge Access Each Year	Unlimited International and Domestic Airport Lounge Access
Golf Benefits	N/A	6 Complimentary Golf Games Each Quarter
Movie Benefit	BOGO on Movie Ticket Bookings Twice Each Month	N/A

Final Outcome

It’s clear that the Diners Club Black Metal Edition Credit Card is the most rewarding card out of these. However, before upgrading, one should consider their spending habits. For example, if you have high expenses upwards of ₹8 lakh, then you should definitely consider the upgrade. But if you have average expenses of ₹3 or ₹4 lakh, then you should stick to the Diners Club Privilege. It’s not just about selecting the card that offers the most features; it also matters that you should be able to afford and avail them. For example, suppose you decide to upgrade to the Diners Club Privilege Metal Credit Card and are unable to spend ₹1.5 lakh in the first 90 days. In that case, you won’t be able to take advantage of the welcome benefits such as free membership of Club Marriott, Amazon Prime, or Swiggy.

Many people may be eager to upgrade their credit cards without much thought, but those who take their time to consider their options can make a more informed decision. Those who are comfortable with the high joining fees and spending requirements for the annual fee waiver should definitely consider getting the Diners Club Black Credit Card.

Don’t have an HDFC Credit Card yet? Apply online now and enjoy benefits such as high rewards, promotional offers, and discounts.

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