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HDFC Diners Club Black Credit Card
Rewards & Benefits
Welcome Benefits
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 Benefits
Reward System: Users will get 5 reward points for spending Rs 150. Value of 1 reward point = Rs 1. General cashback rate 3.33%. On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%.; 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 Rs 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 spending of Rs Rs 8 Lakhs every year.
Cashback Rate
Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1.
General cashback rate 3.33%.
On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%.
Movie Benefits
Dining Benefits
Other Benefits
Great travel benefits. Great value add benefits. Users can enjoy free Golf games across the finest courses in the world ( 6 per quarter).; Low forex markup of 2%.; Exclusive 24/7 concierge services; Air accident insurance cover worth Rs 2 crore.; Emergency overseas hospitalisation: Rs 50 Lacs.; Travel Insurance coverage of up to Rs 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Lounge Access
Fees & Charges
Joining Fee
Annual Fee
Rs. 199 + Applicable Taxes (charged despite spending meeting the waiver criteria)
Cash Advance Fee
Cash Advance Fee:2.5% of the amount withdrawn (minimum Rs. 500).
Interest rate
3.49% per month (41.88% per annum)
Late Payment Fee
Late Payment Charges:Ranges from INR 100 to INR 1300
Foreign Currency Transactions Fee
Foreign Currency Markup: 2% on all foreign currency transactions.
Other Fees
Joining/Renewal Membership Fee:Rs. 10,000 + Applicable Taxes (annually) | Reward Redemption Fee: INR 99
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.
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.
Reward System: Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%.
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 spending of INR 8 Lakhs every year.
Users can enjoy free Golf games across the finest courses in the world ( 6 per quarter).
Users can save 25% on restaurant bill payments through Swiggy Dineout (20k+ restaurants).
users can skip check-in lines and receive baggage assistance at airports.
Low forex markup of 2%.
Exclusive 24/7 concierge services
Users will get 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 coverage of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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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
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
Recommended Credit Cards
Pros:-
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Cons:-
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.
Reward System: Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%.
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 spending of INR 8 Lakhs every year.
Users can enjoy free Golf games across the finest courses in the world ( 6 per quarter).
Users can save 25% on restaurant bill payments through Swiggy Dineout (20k+ restaurants).
users can skip check-in lines and receive baggage assistance at airports.
Low forex markup of 2%.
Exclusive 24/7 concierge services
Users will get 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 coverage of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
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.
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.
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
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Fuel Surcharge
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Billing Cycle
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