Step into a world of elite privileges with the HDFC Diners Club Black Credit Card. From luxury travel perks to high-value reward points, this card redefines what a premium credit card should offer. Read on to see why it’s one of the most exclusive cards in India.
Introduction
For individuals who enjoy the finer things in life—be it luxury travel, top-tier rewards, or elite memberships—the HDFC Diners Club Black Credit Card offers a compelling proposition. Tailored for high-income professionals and entrepreneurs, this card isn’t just a payment tool—it’s a lifestyle enhancer. In this article, we unpack everything this premium credit card has to offer, so you can decide if it fits your lifestyle.
Card Snapshot
- One-Time Joining Fee: ₹10,000 + GST
- Annual Renewal Fee: ₹10,000 + GST (waived on spending ₹5 Lakhs/year)
- Welcome Perks: Complimentary memberships to Club Marriott, Forbes Digital, Amazon Prime, Swiggy One, Times Prime, and MMT Black
Top Benefits of HDFC Diners Club Black
✈️ Premium Travel Access
- Get unlimited lounge access globally with Diners Club partner lounges.
- Enjoy insurance benefits including ₹2 crore air accident cover.
- Overseas medical emergency cover of up to ₹50 lakh.
🏌️ Lifestyle Privileges
- Avail up to 6 free golf games each quarter at select premium golf courses.
- Access to concierge services for travel bookings, dinner reservations, gift deliveries, and more.
💰 Reward Points Advantage
- Earn 5 reward points per ₹150 spent on most purchases.
- Accelerated earning with 10X points on SmartBuy (up to 25,000 points/month).
- Easy redemption at ₹1 = 1 reward point for flights and hotels on SmartBuy.
🎯 Milestone Rewards
- Monthly spend of ₹80,000 earns an additional 2,000 reward points.
- Annual spend of ₹5 lakh waives the next year’s renewal fee.
🛡️ Built-in Insurance
- Coverage against lost cards, travel inconveniences, and baggage loss.
- Complimentary medical and accident insurance when traveling abroad.
Eligibility Requirements
To qualify for this high-end credit card, here’s what you need:
- For Salaried Individuals: ₹1.75 lakh monthly income
- For Self-Employed: Minimum ₹21 lakh ITR per year
- Age Criteria: 21–60 years for salaried, up to 65 for self-employed
- A strong credit profile (700+ CIBIL score preferred)
Fee Structure
| Category | Details |
|---|---|
| Joining Cost | ₹10,000 + applicable taxes |
| Renewal Charges | ₹10,000 + GST (waived on ₹5L annual spend) |
| Forex Markup | 2% on international usage |
| Cash Advance | Not applicable |
| Interest on Dues | Ranges from 1.99% to 3.6% per month |
Why It Stands Out
✅ What Works in Its Favor
- High reward point value
- Generous lounge access globally
- Includes premium memberships
- Great for frequent fliers and high spenders
❌ Points to Consider
- Not accepted everywhere (limited Diners network coverage)
- High annual fee if waiver conditions aren’t met
- EMI and wallet rewards are restricted
Who Should Go for It?
This card is ideal for:
- Frequent travelers looking for international lounge access
- High spenders who can unlock milestone rewards
- Individuals who value exclusive brand memberships and travel perks
Application Process
- Go to HDFC Bank’s official website
- Navigate to the ‘Credit Cards’ section
- Choose Diners Club Black and hit ‘Apply Now’
- Submit income details, KYC documents, and complete verification
- Wait for eligibility confirmation and delivery
Final Verdict
If your lifestyle involves frequent travel, premium purchases, and big spending, the HDFC Diners Club Black Credit Card is an excellent choice. With unmatched privileges, comprehensive insurance, and rewarding milestones, it’s designed for individuals who don’t want to settle for average.
While it comes at a cost, the value it delivers—especially when maximized through SmartBuy and regular spending—can far outweigh the annual fee. Just make sure the Diners Club network is accepted at your favorite merchants.
20 Most Common FAQs About HDFC Diners Club Black
- What’s the joining fee for this card?
₹10,000 + GST. - Is there a renewal fee?
Yes, ₹10,000 + GST annually, waived on ₹5 lakh spend. - Can I use it internationally?
Yes, at merchants that accept Diners Club. - Does it offer lounge access?
Unlimited access to both domestic and international lounges. - How are reward points calculated?
5 points per ₹150 spent on most spends. - What are 10X reward benefits?
Purchases via SmartBuy partners earn 10X points (capped at 25,000 monthly). - Is there a monthly spend bonus?
Yes, ₹80,000 monthly spend gives 2,000 bonus reward points. - What insurance does it offer?
Travel, medical emergency, baggage delay, and accident insurance. - Is the card suitable for EMI purchases?
EMI rewards are not as rewarding; use for one-time purchases. - Are reward points transferable?
No, but can be redeemed for flights, hotels, vouchers, etc. - Can I apply online?
Yes, through HDFC Bank’s official site. - How do I redeem points?
Via SmartBuy for travel bookings and gifts. - Is there fuel surcharge waiver?
Yes, up to ₹1,000 per statement cycle. - What’s the foreign transaction markup?
2% on all international transactions. - Does it come with a concierge?
Yes, 24/7 concierge services are available. - Does it offer memberships?
Complimentary access to Amazon Prime, Times Prime, MMT Black, and more. - What’s the point expiry policy?
Reward points are valid for 3 years. - Can I track rewards online?
Yes, through NetBanking or HDFC app. - Can it be used for wallet loads?
Yes, but no reward points on such transactions. - How do I get a fee waiver?
Spend ₹5 lakhs annually to waive off the renewal fee.
