HDFC Diners Club Black Credit Card
Product Details
Credit Card Name :
HDFC Diners Club Black Credit Card
Bank Name :
HDFC Bank
Type :
Lifestyle Credit Card
Interest Rate :
3.49% per month (41.88% per annum)
Eligibility :
The applicant must be an Indian citizen.
The applicant must be between 21 and 60 years of age if salaried, and between 21 and 65 years of age if self-employed.
The applicant must have a good credit history and no payment defaults.
The applicant must have a regular source of income.
The minimum income requirement for salaried individuals is INR 1.75 Lakh per month.
The minimum income requirement for self-employed individuals is ITR > INR 21 Lakhs per annum
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Pros
Reward System: Get 5 reward point on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends get 2x points on dining. Weekend dining credit card rate: 6.66%.
Welcome Benefit: Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK by spending 1.5 lakhs within the first 90 days or upon first year fee realization on the credit card.
Milestone Benefit: Credit Card holders can choose any 2 benefits from Cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth INR 500 every month on spends of Rs. 80,000. Free annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK on achieving annual spend of INR 8 Lakhs every year.
Free Golf games across the finest courses in the world ( 6 per quarter).
25 % savings off on restaurant bill payments through Swiggy Dineout (20k + restaurants), ( Offer inclusive of restaurant and Swiggy Discount.
Airport Privilege: Skip check-in lines and receive baggage assistance.
Low forex mark up of 2%.
Exclusive 24/7 Concierge Services
Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members.
Air accident insurance cover worth INR 2 crore
Emergency overseas hospitalisation: INR 50 Lacs
Travel Insurance Cover of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Cons
High annual fee: INR 10,000+GST, making it one of the most expensive cards in India.
Limited acceptance: Diners Club network is smaller than Visa or Mastercard, especially in smaller towns.
No free movie tickets.
Low cashback rate.
Pros & Cons
Welcome Benefits
Welcome Benefit: Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK by spending 1.5 lakhs within the first 90 days or upon first year fee realization on the credit card.
Rewards System
Reward System: Get 5 reward point on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends get 2x points on dining. Weekend dining credit card rate: 6.66%.
International Forex Markup
Up To: 2%
Welcome Benefits and Reward System
Special Features
Welcome Benefit: Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK by spending 1.5 lakhs within the first 90 days or upon first year fee realization on the credit card.
Eligibility Criteria
The applicant must be an Indian citizen.
The applicant must be between 21 and 60 years of age if salaried, and between 21 and 65 years of age if self-employed.
The applicant must have a good credit history and no payment defaults.
The applicant must have a regular source of income.
The minimum income requirement for salaried individuals is INR 1.75 Lakh per month.
The minimum income requirement for self-employed individuals is ITR > INR 21 Lakhs per annum
Benefits
Great travel benefits.
Good cashback on dining on weekends.
Great value add benefits.
Great dining benefits.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
You can apply for the HDFC Diner Club Black Credit Card online, through the HDFC Bank website or mobile app.
Eligibility criteria include:Minimum annual income of ₹12 lakh for salaried individuals and ₹15 lakh for non-salaried individuals.
Good credit score.Documents required include:KYC documents (PAN card, address proof, etc.).
Salary slips or income tax returns.
Bank statements.
Contact Details
1800 202 6161
Account Opening and Procedure
HDFC Diners Club Black Credit Card
The HDFC Diner Club Black Credit Card offers unmatched travel and lifestyle privileges, exclusive experiences, and high rewards potential. However, its high fees, interest rate, and charge card nature require careful consideration. If you have the income, spending habits, and responsible credit management to maximize its benefits, this card can be a passport to a world of luxury and convenience.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining/Renewal Membership Fee: Rs. 10,000 + Applicable Taxes (annually)
Annual Fee: Rs. 199 + Applicable Taxes (charged despite spending meeting the waiver criteria)
Foreign Currency Markup: 2% on all foreign currency transactions.
Cash Advance Fee: 2.5% of the amount withdrawn (minimum Rs. 500).
Late Payment Charges: Ranges from INR 100 to INR 1300
Reward Redemption Fee: INR 99
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Fuel Surcharge
1%, waived off for transactions above INR 400. Max cashback INR 1000 per month.
Billing Cycle
30 Days