HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card Features and Benefit

The Diners Club Black Card is one of the most high-end HDFC Bank Credit Cards as the annual fee of this card is quite high and offers exclusive privileges across various categories. Following are the details of the features and benefits that come along with this credit card –

Welcome Benefits:

Complimentary annual memberships of Amazon Prime, Club Marriott, Swiggy One, MMT BLACK, and Times Prime on spending 1.5 lakhs within the first 90 days of the credit card issuance date or upon realization of the joining fee.

Milestone Benefits

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

Dining Benefits:

• 2X Reward Points on weekend dining.
• Complimentary annual membership of Club Marriott and Swiggy One (3 months), which is renewed if the cardholder spends an amount increasing Rs. 8 Lakhs in an anniversary year.

HDFC Bank Diners Club Black Credit Card Travel Benefits:

• Unlimited complimentary access to the international and domestic lounges.
• Reward Points redeemable for Singapore Airlines AirMiles (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:

Low Foreign Currency Markup:

A lower foreign currency markup of 2% on foreign currency transactions.

Fuel Surcharge Waiver:

A fuel surcharge waiver of 1% on a minimum fuel transaction of Rs. 400 at all fuel stations in India. The waiver amount is capped at a maximum of Rs. 1,000 per statement cycle.

Spend-Based Renewal Fee Waiver

The renewal fee of Rs. 10,000 of this credit card is eligible for a waiver if the cardholder spends an amount exceeding Rs. 5 Lakhs in an anniversary year.

HDFC Bank Diners Club Black Credit Card Rewards:

• For every Rs. 150 spent on retail transactions, the cardholders will earn 5 Reward Points.
• Accelerated Reward Points(up to 10X) on the SmartBuy portal (more details here).
• 2X Reward Points on weekend dining.
• No reward points can be earned on transactions made for fuel, e-wallet, and educational expenses.
• EMI transactions shall not earn any Reward Points.
• The validity period of reward points is 3 years from the date of the transaction.
• A maximum of 5,000 Reward Points can be earned per month on insurance transactions.
• Reward Points earned on Utility, Telecom, and Grocery transactions are capped at a maximum of 2,000 points per month.

Reward Redemption:

The Reward Points earned from the  HDFC Diners Club Black Card are redeemable for:

• Booking flights/hotels on the SmartBuy portal.
• Items on the 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 rate of redemption of reward points on different categories of expenditures is as follows:

HDFC Bank Diners Club Black Card fees

• You have to pay a joining and renewal fee of Rs. 10,000 for the HDFC Bank Diners Club Black Credit Card is Rs. 10,000.
• This credit card charges an interest rate of 1.99% monthly on the overdue amount.
• The Diners Club Black Card charges a lower forex fee of 2% of the total amount.
• You have to pay a cash advance fee of 2.5% of the amount withdrawn, or Rs. 500, the higher of the two.

The following are the eligibility criteria that need to be fulfilled to avail of this credit card:

How to Apply for HDFC Bank Diners Club Black Card?

HDFC Bank is no longer issuing the Diners Club Black Card. For those seeking a premium credit card, the improved HDFC Bank Diners Club Black Metal Credit Card is now available, offering enhanced benefits.

Advantages and Disadvantages of HDFC Diners Club Black Credit Card

Though there are no major disadvantages of HDFC Diners Club Black Credit Card, it can not be the best option for some people only if they fail to maximize its benefits. The following are some of the advantages and disadvantages of getting this card:

Advantages

• The Diners Club Black card is of great advantage for frequent flyers as it comes with unlimited complimentary domestic as well as international lounge access.
• On making purchases through the SmartBuy portal, you can earn 10x Reward Points, which is a great deal.
• You get a lot of complimentary subscriptions, including Amazon Prime, Club Marriott, Swiggy One, MMTBLACK, Times Prime, etc, that allow you to save even more.

Disadvantages

• The Diners Club Black Card has a high annual fee, which is not a disadvantage in general, but it might not be beneficial for those who don’t get the most out of their credit card.
• The minimum retail spend required to get the welcome benefits is quite high for some people, which is a minimum of Rs. 1.5 lakhs in 90 days.

What are the Lifestyle and Wellness Features of HDFC Diners Club Black Credit Card?

The HDFC Diners Club Black Credit Card has some great benefits across different categories. The lifestyle and wellness benefits that you may get with this card are listed below:

• Complimentary memberships to Amazon Prime, Club Marriott, Swiggy One, MMTDOUBLEBLACK, and Times Prime on spending Rs. 1.5 lakhs or more in the first 90 days.
• Complimentary golf rounds 6 times every year.
• Foreign transactions are made easy by lower forex markup fees.

Conclusion

The Diners Club Black HDFC credit card was once one of the most premium cards by the HDFC Bank after Infinia. While the Infinia card is invite-only, the eligibility criteria for the Diners Club Black, as mentioned earlier, are also fairly strict. The annual membership fee for both the cards is nearly the same.

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, etc. Diners Club Black card also offers an additional weekend dining benefit with 2X Reward Points on dining spent on Saturdays and Sundays.

If you still have any queries related to this credit card, please feel free to ask us in the comment section below!