By Rajat Gaur
Updated On September 20, 2021

HDFC bank offers two credit cards in the super-premium category- HDFC Infinia and HDFC Bank Diners Club Black credit card. Both these credit cards offer a 24×7 concierge service, unlimited airport lounge access (domestic lounge access limited to 4/quarter for the Infinia card), complimentary rounds of golf at some of the most premium golf destinations worldwide, and many other premium benefits. HDFC targets High Net-Worth Individuals with these credit cards. If you’re looking for a premium card, you can pick any of the two, you won’t go wrong with either.

HDFC Diners Club Black Credit Card is better suited for you if you see yourself spending a substantial portion of your total credit card spends on popular apps/websites like Zomato, Ola, Amazon Prime, BookMyShow, etc. Read on to learn more about this premium offering by HDFC.

HDFC Bank Diners Club Black Credit Card

Best Suited For

Travel | Dining | Shopping |

Joining Fee

Rs. 10,000 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • Complimentary annual membership of subscription platforms like Amazon Prime, Zomato Gold, Times Prime, etc, as a Welcome Benefit. These memberships are renewed on the expenditure of Rs. 8,00,000 in the anniversary year with HDFC Bank Diners Club Black credit card.
  • Complimentary Ola Select, TataCliQ, BookMyShow, and cure.fit Live vouchers on spends of over Rs. 80,000 every month.
  • 5 Reward Points for every Rs. 150 spent (Reward Rate = 3.3%).
  • 10X Reward Points on select brands.
  • 2X Reward Points on weekend dining.
  • 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
  • Low foreign currency markup fee of 1.99%.
  • Unlimited lounge access at 1,000 plus airport lounges in India and abroad.
  • Travel insurance benefits including an air accident cover worth Rs. 2 crore.

Rewards and Benefits

Welcome Benefits

Complimentary Club Marriott, Amazon Prime, Zomato Gold, Forbes, Times Prime, and MMTDOUBLEBLACK memberships for a year.

Movie & Dining

2X Reward Points on weekend dining, complimentary annual membership of Zomato Gold.

Rewards Rate

5 Reward Points for every Rs. 150 spent (reward rate of up to 3.3%), accelerated Reward Points on SmartBuy

Reward Redemption

HDFC Bank Diners Club Black Reward Points are redeemable for flight/hotel bookings (1 RP = Re. 1) on SmartBuy, for AirMiles (1 RP = 1 AirMile), and on Diners Club exclusive rewards redemption catalog (1 RP = Re. 0.5).

Travel

Complimentary lounge access at 1,000+ airports in India and abroad, Reward Points redeemable for flight and hotel bookings on SmartBuy (1RP = Re. 1).

Golf

6 complimentary golf games per quarter at some of the most premium golf destinations around the world.

Domestic Lounge Access

Unlimited complimentary domestic lounge access

International Lounge Access

Unlimited complimentary international lounge access

Insurance Benefits

Travel-related insurance benefits including an air accident cover worth Rs. 2 crores and a credit liability cover worth up to Rs. 9 lakh.

Zero Liability Protection

Zero liability protection worth Rs. 9 lakh against a lost/stolen card.

Fees & Charges

Joining Fee

Rs. 10,000 (plus applicable taxes)

Renewal Fee

Rs. 10,000 (plus applicable taxes)

Spend based Waiver

Renewal fee waived off on spends of Rs. 5,00,000 in the previous year.

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

1.99% (plus applicable taxes)

Interest Rates

1.99% per month (or 23.88% annually)

Fuel Surcharge

1% fuel surcharge waived (max waiver capped at Rs. 1,000/month and min transaction of  Rs. 400 required).

Cash Advance Charge

2.5% of the amount withdrawn, subject to a minimum amount of Rs. 500.

Add-on Card Fee

Nil

HDFC Bank Diners Club Black Credit Card Welcome Benefits:

Complimentary annual memberships of Amazon Prime, Club Marriott, Forbes, Zomato Gold, MMTDOUBLEBLACK, and Times Prime on spending 1.5 lakhs within the first 90 days of card issuance or upon realization of the joining fee.

Milestone Benefits:

  • Renewal of the subscriptions under the welcome benefits (Amazon Prime, Zomato Gold, Times Prime. etc.) on the annual expenditure of Rs. 8,00,000.
  • Any 2 of the following monthly vouchers- Ola Select, a cure.fit Live, BookMyShow, and TATA CLiQ (worth Rs. 500 each) on monthly spends of Rs. 80,000.

HDFC Bank Diners Club Black Credit Card Rewards:

  • You earn 5 Reward Points for every Rs. 150 spent on all retail purchases.
  • Accelerated Reward Points(up to 10X) On the SmartBuy portal (more details here).
  • 2X Reward Points on weekend dining.
  • You don’t earn any Reward Points on fuel purchases.
  • Reward Points are valid for a period of 3 years from the date of accumulation.
  • You can earn a maximum of 5,000 Reward Points per day on insurance transactions.

Reward Redemption:

The Reward Points you earn using your HDFC Diners Club Black Card are redeemable for:

  • booking flights/hotels on the SmartBuy portal.
  • Airmiles at InterMiles, Singapore Airlines, and Club Vistara (transferred to other AirMiles programs.
  • items on Diners Club exclusive reward redemption catalog.
  • cashback (adjusted against the card’s statement balance.

For flight and hotel bookings, only 70% of the total payment can be made through the Reward Points.

The redemption rate of reward points on different categories of expenditures is as below:

1 Reward Point is equivalent to
Flights/Hotels on SmartBuy Re. 1
Airmiles 1 AirMile
Product Catalogue (vouchers/products) Up to Rs. 0.50
Cashback Rs. 0.30

Dining Benefits:

  • 2X Reward Points on weekend dining.
  • Complimentary annual membership of Zomato Gold and Club Marriott, which is renewed on the expenditure of Rs. 8 lakh in the card anniversary year.

HDFC Bank Diners Club Black Credit Card Travel Benefits:

  • Unlimited complimentary domestic and international lounge access.
  • Reward Points redeemable for InterMiles, Singapore Airlines AirMiles, and Club Vistara Points (1 Reward Point = 1 Airmile).

Golf Benefits

6 complimentary golf rounds every calendar quarter across the finest golf courses globally.

HDFC Diners Club Black Credit Card Insurance Benefits:

Category Insurance Coverage
Accidental air death Rs. 2 crores
Medical emergency cover Up to Rs. 50 lakhs
Delayed Baggage Rs. 55,000
Credit liability Rs. 9 lakhs

Low Foreign Currency Markup:

A lower foreign currency markup of 1.99% on foreign currency transactions.

Fuel Surcharge Waiver:

1% fuel surcharge waived on fuel purchases at all fuel stations across India, subject to a minimum transaction amount of Rs. 400 and a maximum cashback of Rs. 1,000 per statement cycle.

Spend Based Renewal Fee Waiver

The renewal fee of Rs. 10,000 is waived off if you spend Rs. 5 lakhs or more in the previous anniversary year.

HDFC Bank Diners Club Black Credit Card Eligibility:

The eligibility criteria for the Diners Club credit card is as under:

Salaried Self-employed
Age 21-60 Years 21-65 Years
Income >1.75 lakh/month >21 lakh/annum

How to apply:

You can apply for HDFC Bank Diners Club Black Credit Card either online or offline.

  • For online application, visit HDFC bank’s credit cards page, select the Diners Club Black card, submit the required documents and your application will be processed by the bank officials.
  • You can also apply offline by visiting your nearest HDFC branch and submitting the required documents offline.
  • You will need identity proof, address proof (like Aadhar card, Voter card, driving license, etc), and proof of income (like salary slips or an audited ITR acknowledgment).

Customer Care:

HDFC’s customer care service is available 24×7 including Sundays and holidays. You can dial their call center numbers- 61606161 or 6160616 (prefix the STD code) for any queries or to report the loss of card. You can also shoot them a mail at [email protected].

Conclusion:

The Diners Club Black HDFC credit card is the second most premium card by the HDFC bank after Infinia. While the Infinia card is invite-only, the eligibility criteria for the Diners Club Black, as mentioned earlier, is also fairly strict. The annual membership fee of both the cards is the same, Rs. 10,000. Both these cards are almost equally rewarding. While the Infinia card offers a higher cap on the Reward Points that can be earned under the monthly SmartBuy offer, the Diners Club Black credit card offers complimentary membership of many popular subscription services like Amazon Prime, Zomato Gold, etc. Diners Club Black card also offers an additional weekend dining benefit with 2X Reward Points on dining spends on Saturdays and Sundays.

Overall, the HDFC Diners Club Black card is also a very good competitor of the Infinia card. If you are planning to sign up for a premium credit card, do compare the features and benefits of these two cards. What do you think of this super-premium offering by HDFC bank? Do let us know in the comments. Existing cardholders don’t forget to share your experience with the Diners Club Black Credit Card.

FAQs:

The Reward Points that you earn are valid for a period of 3 years from the date of accrual, and expire thereafter.

Following are the ways to activate your HDFC Bank Diners Club Black credit card:

  • Through the PIN sent by the bank – After successful approval of your application, the bank will send a 4-digit PIN along with your credit card. You can use this PIN for the first time and change it for security purpose.
  • Through ATM – You can also activate your credit card through HDFC Bank ATM by choosing the ‘Create new PIN option.’ You will receive an OTP on your registered mobile number. Enter that and activate your card by creating the PIN.
  • Through Net Banking – Net Banking is one of the easiest ways to activate your credit card. Just log in to your net banking account, find the option ‘Generate Credit Card PIN’, and get your card activated.

Yes, the annual subscriptions that you get as Welcome Benefits are renewed every year, subject to a minimum expenditure of Rs. 8,00,000 in an anniversary year.

You can get the HDFC Diners Club Black Card by applying online for it as follows:

  • Visit HDFC Bank’s official website.
  • Under the section ‘pay,’ find and select ‘Cards.’
  • Choose the option ‘Credit Cards.’
  • Select the HDFC Bank Diners Club Black Credit Card 7 click on ‘Apply Online.
  • Fill in all the required details.

You can also apply offline for the card by visiting your nearest HDFC Bank branch.

To redeem the reward points, follow these simple steps:

  • Log in to your HDFC Bank internet banking account with your username & password.
  • Click on the tab ‘Credit Cards.’
  • If you have not registered your card, register it by providing the required details.
  • Under the left navigation bar, choose the option ‘Redeem Reward Points.’
  • Select the Diners Club Black credit card and click on continue.
  • Select the required category/products and redeem your points.

The monetary value of the Reward Points earned depends upon how the Reward Points are redeemed.

  • 1 RP = Re. 1 for flight/hotel bookings on SmartBuy.
  • 1 RP = 1 AirMile.
  • 1 RP = Rs. 0.50 for purchases on the Diners Club product catalog.
  • 1 RP = Rs. 0.30 for cashback (adjustment against the statement balance).

 

The limit of the HDFC Bank Diners Club black Credit card is generally above Rs. 4 lakhs.

The joining fee of the HDFC Diners Club Black Card is Rs. 10,000.

For any queries or complaints related to HDFC Diners club black credit card, you can contact customer care by calling on 1800 118 887.

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