In the realm of super-premium credit cards, HDFC Bank has established itself as a leader with its impeccable offerings. Among its prestigious lineup, the HDFC Bank Diners Club Black Credit Card stands out as a remarkable choice for discerning individuals who seek unparalleled privileges and benefits. With a strong emphasis on catering to the evolving lifestyle needs of its cardholders, this credit card presents a myriad of exclusive advantages that go beyond the ordinary.
The HDFC Bank Diners Club Black Credit Card has been meticulously designed to provide a seamless and luxurious experience to its users. Whether you are a frequent traveler, a gourmet enthusiast, or an avid shopper, this card is tailored to meet your desires and elevate your overall lifestyle. With its expansive suite of benefits, it is well-suited for those who envision themselves spending a considerable portion of their credit card usage on popular apps and websites such as Zomato, Ola, Amazon Prime, BookMyShow, and more.
One of the key highlights of this credit card is its 24×7 concierge service, which ensures that your every request and requirement are attended to promptly and efficiently. Additionally, cardholders are granted unlimited access to airport lounges worldwide, making travel an indulgent experience. Moreover, for avid golf enthusiasts, the HDFC Bank Diners Club Black Credit Card provides complimentary rounds of golf at some of the most prestigious golf courses around the world, further enhancing the exclusivity of this offering.
Notably, this credit card has been strategically designed to cater to individuals with a high net worth, as HDFC Bank recognizes their distinctive needs and aspirations. By aligning its features with the preferences of this elite segment, the HDFC Bank Diners Club Black Credit Card ensures that every cardholder can truly experience the epitome of luxury and convenience.
Whether you seek exceptional benefits, unrivaled privileges, or a seamless lifestyle experience, the HDFC Bank Diners Club Black Credit Card presents an enticing proposition. By combining its extensive range of premium features with its focus on popular apps and websites, this credit card offers an extraordinary platform for individuals to indulge in their passions while enjoying an elevated standard of living.
Features and Benefits
Experience the epitome of luxury and exclusivity with the HDFC Bank Diners Club Black Credit Card. This high-end credit card offers a host of exclusive privileges and benefits across various categories. Explore the exceptional features that make this card a coveted choice for individuals seeking a truly elevated lifestyle:
- Welcome Benefits: Enjoy complimentary annual memberships of esteemed platforms such as Amazon Prime, Club Marriott, Forbes, Swiggy One, MMT BLACK, and Times Prime. These memberships can be availed on spending 1.5 lakhs within the first 90 days of credit card issuance or upon realization of the joining fee.
- Milestone Benefits: Renew your subscriptions for welcome benefits, including Amazon Prime, Zomato Gold, and Times Prime, by reaching an annual expenditure of Rs. 8,00,000. Additionally, earn any two of the following monthly vouchers worth Rs. 500 each, such as Ola Select, cure.fit Live, BookMyShow, and TATA CLiQ, on monthly spends of Rs. 80,000.
- Dining Benefits: Indulge in delightful dining experiences and earn 2X Reward Points on weekend dining. Relish the complimentary annual membership of Club Marriott and Swiggy One (for 3 months), which is renewed if your spending exceeds Rs. 8 Lakhs in an anniversary year.
- Travel Benefits: Immerse yourself in a world of luxury while traveling. Enjoy unlimited complimentary access to both international and domestic lounges. Redeem your Reward Points for InterMiles, Singapore Airlines AirMiles, or Club Vistara Points (1 Reward Point = 1 Airmile).
- Golf Benefits: Unleash your passion for golf with six complimentary golf rounds every calendar quarter across some of the world’s finest golf courses.
- Insurance Benefits: Stay protected with comprehensive insurance coverage, including Rs. 2 crores for accidental air death, up to Rs. 50 lakhs for medical emergencies, Rs. 55,000 for delayed baggage, and Rs. 9 lakhs for credit liability.
- Low Foreign Currency Markup: Benefit from a lower foreign currency markup of 1.99% on foreign currency transactions, ensuring cost-effective international spending.
- Fuel Surcharge Waiver: Enjoy a fuel surcharge waiver of 1% on minimum fuel transactions of Rs. 400 at all fuel stations in India, with a maximum waiver amount of Rs. 1,000 per statement cycle.
- Spend Based Renewal Fee Waiver: The renewal fee of Rs. 10,000 for this credit card is eligible for a waiver if your spending exceeds Rs. 5 Lakhs in an anniversary year, making it even more rewarding.
HDFC Bank Diners Club Black Credit Card Rewards
Make every transaction count with the rewarding features of the HDFC Bank Diners Club Black Credit Card. Earn generous Reward Points that can be redeemed for a wide range of exciting options. Here’s what you need to know about the rewards offered by this prestigious credit card:
- Earn 5 Reward Points for Every Rs. 150 Spent: For every retail transaction of Rs. 150, you will earn 5 Reward Points, allowing you to accumulate points quickly and effortlessly.
- Accelerated Reward Points on the SmartBuy Portal: Unlock the potential for even greater rewards by making purchases on the SmartBuy portal. Enjoy accelerated Reward Points (up to 10X) when you shop from a diverse range of partner merchants available on the portal. Get ready to maximize your rewards with this exclusive benefit.
- 2X Reward Points on Weekend Dining: Indulge in culinary delights during the weekends and earn 2X Reward Points on your dining expenses. Whether it’s a cozy dinner with loved ones or a brunch with friends, your credit card rewards you for savoring memorable dining experiences.
- No Reward Points on Fuel Purchases: Please note that fuel purchases are not eligible for earning Reward Points. Plan your fuel expenses accordingly to make the most of your rewards potential in other categories.
- Reward Points Validity: Your earned Reward Points are valid for a period of 3 years from the date of the transaction. Take your time to accumulate points and choose from a wide array of exciting redemption options.
- Maximum Reward Points on Insurance Transactions: Earn a maximum of 5,000 Reward Points per day on insurance transactions, allowing you to make the most of your insurance-related expenses.
HDFC Bank Diners Club Black Card Fees and Charges
When considering the HDFC Bank Diners Club Black Credit Card, it’s important to be aware of the associated fees and charges. While the benefits and privileges are impressive, understanding the financial aspects is crucial. Here are the details of the fees and charges applicable to this prestigious credit card:
- Joining and Renewal Fee: To avail the HDFC Bank Diners Club Black Credit Card, you are required to pay a joining fee and an annual renewal fee of Rs. 10,000. This fee grants you access to a plethora of exclusive privileges and benefits.
- Interest Rate on Overdue Amount: In the event of an overdue amount, the credit card charges an interest rate of 1.99% per month. It is important to ensure timely repayment to avoid incurring unnecessary interest charges.
- Lower Forex Fee: The Diners Club Black Card offers a competitive advantage with a lower forex fee of 1.99% on the total amount. This fee is applicable when making foreign currency transactions, making it more cost-effective for international spending.
- Cash Advance Fee: If you choose to withdraw cash using your HDFC Bank Diners Club Black Credit Card, a cash advance fee is applicable. This fee is 2.5% of the amount withdrawn or Rs. 500, whichever is higher. It is advisable to use cash advances sparingly due to the associated charges.
To avail the HDFC Bank Diners Club Black Credit Card, it is essential to meet certain eligibility criteria. These criteria ensure that the card is offered to individuals who can fully enjoy and benefit from its exclusive privileges. Here are the eligibility requirements to consider:
- Salaried Individuals: For salaried individuals, the age range for eligibility is between 21 and 60 years. Additionally, the minimum monthly income should be greater than Rs. 1.75 lakh.
- Self-employed Individuals: Self-employed individuals interested in obtaining the HDFC Bank Diners Club Black Credit Card must fall within the age range of 21 to 65 years. Furthermore, the minimum annual income should exceed Rs. 21 lakh.
How To Apply For HDFC Bank Diners Club Black Card?
Applying for the HDFC Bank Diners Club Black Credit Card is a straightforward process that can be done through both online and offline channels. Whether you prefer the convenience of online applications or the personalized assistance of visiting a branch, HDFC Bank offers options to suit your preferences. Here’s how you can apply for the HDFC Bank Diners Club Black Credit Card:
- Online Application: Begin the application process by visiting HDFC Bank’s credit cards page on their official website. Locate and select the Diners Club Black card from the available options. Provide the required documents and details as requested in the application form. Once submitted, your application will be processed by the bank officials. Keep an eye on your application status for any updates or additional requirements.
- Offline Application: If you prefer a more hands-on approach, you can visit your nearest HDFC branch to apply for the Diners Club Black Credit Card. An HDFC representative will guide you through the application process, assist in filling out the necessary forms, and collect the required documents. Ensure you have your identity proofs, address proofs, and income proofs ready to submit along with the application.
During the application process, it is essential to provide accurate and up-to-date information and documentation. This will help streamline the evaluation process and increase the chances of a successful application. Once your application is submitted, the bank will review your details, assess your eligibility, and conduct the necessary checks before finalizing the approval.
Should You Get HDFC Diners Club Black Credit Card?
The HDFC Diners Club Black Credit Card offers a plethora of exceptional benefits and privileges across various categories. However, it’s important to assess whether this card aligns with your individual needs and requirements. Consider the following factors to determine if the HDFC Diners Club Black Credit Card is the right choice for you:
- High Net Worth Individual: The Diners Club Black Credit Card is tailored for high net worth individuals. If you fall into this category and can comfortably afford the slightly higher annual fee associated with the card, it could be a suitable option for you.
- Frequent Traveler: If you find yourself traveling frequently, both domestically and internationally, the HDFC Diners Club Black Credit Card can be highly advantageous. The complimentary access to lounges, a hallmark feature of this card, enhances your travel experience and provides exclusivity.
- Luxurious Lifestyle: If you prioritize a luxurious lifestyle and prefer to make most of your expenses using a credit card, the HDFC Diners Club Black Credit Card offers a range of benefits and rewards that complement your preferences. It allows you to indulge in premium experiences and enjoy the privileges that come with this exclusive card.
Advantages and Drawbacks of HDFC Diners Club Black Credit Card
- Unlimited Lounge Access: One of the standout advantages of the Diners Club Black card is the unlimited complimentary access to both domestic and international lounges. This feature is highly beneficial for frequent flyers, enhancing their travel experience and providing added comfort and convenience.
- 10x Reward Points on SmartBuy: By making purchases through the SmartBuy portal, cardholders have the opportunity to earn 10 times the regular reward points. This can be a lucrative deal for those who frequently utilize the SmartBuy platform for their purchases.
- Complimentary Subscriptions: The HDFC Diners Club Black Credit Card offers a range of complimentary subscriptions, including popular services like Amazon Prime, Club Marriott, Forbes, Swiggy One, MMTDOUBLEBLACK, and Times Prime. These subscriptions provide additional value and savings to cardholders.
- Elevated Annual Fee: An inherent drawback of the Diners Club Black Card is its substantial annual fee. Although not unfavorable to all, it may not be advantageous for individuals who do not fully utilize the card’s benefits and rewards. It is crucial to evaluate whether the annual fee justifies the advantages offered.
- Mandatory Spending Minimum: In order to access the introductory benefits, there is a minimum retail spending requirement of Rs. 1.5 lakhs within 90 days. This threshold may be considered excessive for certain individuals, and failing to meet this requirement could restrict the complete utilization of the introductory benefits.
What is the annual fee for the HDFC Diners Club Black Credit Card?
The annual fee for the HDFC Diners Club Black Credit Card is Rs. 10,000.
Is there a minimum spend requirement to avail the welcome benefits of the HDFC Diners Club Black Credit Card?
Yes, there is a minimum retail spend requirement of Rs. 1.5 lakhs within the first 90 days to avail the welcome benefits.
Are there any rewards on fuel purchases with the HDFC Diners Club Black Credit Card?
No, the HDFC Diners Club Black Credit Card does not offer reward points on fuel purchases.
What is the validity period for reward points earned with the HDFC Diners Club Black Credit Card?
The reward points earned with the HDFC Diners Club Black Credit Card are valid for 3 years from the date of the transaction.
Is there a waiver for the annual fee of the HDFC Diners Club Black Credit Card?
Yes, if your annual spends exceed Rs. 5 lakhs in an anniversary year, you may be eligible for a waiver of the renewal fee.
The HDFC Bank Diners Club Black Credit Card stands out as a super-premium offering with a range of exclusive benefits and privileges. With features like unlimited lounge access, accelerated reward points, complimentary subscriptions, and insurance coverage, it caters to the needs of high net worth individuals and frequent travelers. However, it is important to carefully consider your personal requirements and usage patterns before opting for this card.
While the card offers advantages such as enhanced travel experiences, attractive reward points, and access to premium services, it also comes with a high annual fee and minimum spend requirements. Therefore, it is crucial to assess whether you can fully leverage the card’s benefits and justify the associated costs.
By evaluating factors like your financial capability, travel frequency, and lifestyle preferences, you can determine if the HDFC Bank Diners Club Black Credit Card is the right fit for you. Whether you choose this card or another option, always prioritize selecting a credit card that aligns with your specific needs and helps you maximize your financial opportunities.
What did we learn?
- 1 Features and Benefits
- 2 HDFC Bank Diners Club Black Credit Card Rewards
- 3 HDFC Bank Diners Club Black Card Fees and Charges
- 4 Eligibility Criteria
- 5 How To Apply For HDFC Bank Diners Club Black Card?
- 6 Should You Get HDFC Diners Club Black Credit Card?
- 7 Advantages and Drawbacks of HDFC Diners Club Black Credit Card
- 8 FAQs
- 8.1 What is the annual fee for the HDFC Diners Club Black Credit Card?
- 8.2 Is there a minimum spend requirement to avail the welcome benefits of the HDFC Diners Club Black Credit Card?
- 8.3 Are there any rewards on fuel purchases with the HDFC Diners Club Black Credit Card?
- 8.4 What is the validity period for reward points earned with the HDFC Diners Club Black Credit Card?
- 8.5 Is there a waiver for the annual fee of the HDFC Diners Club Black Credit Card?
- 9 Conclusion