Credit Card HDFC Bank

HDFC Diners Club Black Credit Card Benefits, Review in 2022

HDFC Diners Club Black Credit Card is one of India’s top premium credit cards. Aimed at the needs of HNIs, this card has benefits across a range of categories like shopping, travel reward, dining, and golf. It is one of the top rewards rates in default, 3.33 percent, and has a modest foreign exchange mark-up of 1.99 percent. Learn the details concerning HDFC Diners Club Black Credit Card.

Key Highlights of HDFC Diners Club Black Credit Card

  • A top credit card for travel with benefits for living.
  • Annual fee waiver upon achieving the milestones in spending.
  • Unlimited access for free to over 800 lounges around the world.
  • Golf games for free on the golf course in India and worldwide.
  • Exchange of miles with major hotels and airlines.
  • Air accident death cover worth Rs.2 crore.

HDFC Diners Club Black Credit Card Features and Benefits

Reward point benefits:

  • Earn 5 Reward Points per each Rs.150 that you spend
  • Earn 10X reward points across all partner brands
  • You can earn 2X reward points on spending on weekend dining

Lifestyle benefits:

  • You will receive free Golf games on all golf courses throughout the world.
  • You get 6 rounds every quarter.

Benefits of wellness:

  • Discounts are available at spas, salons, wellness retreats, and gyms.

Welcome benefits:

  • You get free memberships for the year through Club Marriott, Forbes, Amazon Prime, Zomato Pro MMT BLACK, and Times Prime when you complete your first transaction using the card when you spend Rs.1.5 million within 90 days after having the card.

Fuel benefits:

  • Receive a waiver of 1 percent on the fuel surcharge of more than Rs.400.

Annual benefits:

  • You can enjoy free memberships to Club Marriott, Forbes, Amazon Prime, Zomato Pro MMT BLACK, and Times Prime once you spend Rs.8 lakh in the 12 months after the card was issued.
  • Spend Rs. 5 lakh in a single year, and you will get your renewal fee waived

Monthly milestones:

  • Whether you’re a fresh HDFC Bank Diners Club Black Credit Cardholder or already a holder you can choose one of two monthly coupons available from TataCLio and BookMyShow and Ola Select Membership worth Rs.500 per month, provided that you have a spending limit of Rs.80,000.

HDFC Diners Club Black Credit Card – Travel Benefits

  • You can reserve air tickets and make hotel reservations on 150 hotels and airlines (international and domestic).
  • Rewards points can be used to book air tickets and hotel reservations for a variety of choices (international and domestic).
  • Access to over 800 airport lounges throughout the world. The entry is free for cardholders with primary cards and also additional cardholders.

Benefits from insurance

  • Air accident death coverage in the amount of Rs.2 crore.
  • Credit liability insurance as much Rs.9 lakh.
  • Hospitalization for emergency overseas of Rs.50 lakh.
  • Travel insurance that covers the limit of Rs.55,000 in baggage delay.

Additional Features of HDFC Diners Club Black Credit Card

  • Health Benefits: The card offers discounts at spas and gyms, salons, and other facilities.
  • Golf Program: 6 golf games every quarter in the world.
  • Concierge services: There will be a 24/7 concierge for bookings, such as golf course referrals reservations, reservation assistance, dining recommendation reservations, flowers and delivery of gifts chauffeur, car rental referral, hotel reservations, business services, and courier service assistance.
  • Lounge access: The facility offered is indefinite for a primary and secondary members of India and around the world. The lounges listed on the list cover over 1000 airports.
  • Foreign currency markup: This is 1.99 percent of those who buy from websites that deal in foreign currencies.
  • Travel Cover:
    • Air Accidental Death Coverage: INR 2 crore
    • Emergency hospitalization overseas INR 50 lakh
    • Credit Liability Insurance: up to INR 9 lakh
    • Travel Insurance Coverage: up to INR 55,000 in case of baggage delay (Capped at $10/hour limit by 8 hours)
  • Fuel surcharge waiver: Surcharge exemption of 1percent on all fuel transactions ranging from INR 400 and INR 5,00 up to a maximum of INR 1000 per cycle.

Fees and Charges

Type of Fees and Charges Amount
Joining fee Rs.10,000
Renewal fee Rs.5,000
Minimum repayment amount 5% or a maximum of Rs.200
Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
Rewards redemption fee NIL
Add-on cards charges NIL
Foreign currency mark-up fee 1.99%
Late payment charges
  • Less than Rs.100 – Nil
  • Rs.100 to Rs.500 – Rs.100
  • Rs.501 to Rs.5,000 – Rs.500
  • Rs.5,001 to Rs.10,000 – Rs.600
  • Rs.10,001 and 25,000 – Rs.800
  • Rs.25,001 and 50,000 – Rs.1,100
  • Over 50,000 – Rs.1,300
Over limit charges 2.5% of the over the limit amount (Min. of Rs.500)
Cash processing fee Rs.100 per transaction
Payment return charges 2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges Rs.100 per instance

HDFC Diners Club Black Credit Card Eligibility

For Salaried Individuals:

  • Alter between 21 and 60.
  • Income In the range of 1.75 lakh per month.

For Self Employed:

  • Age range: 21 to 65 years old
  • Tax returns on income: of INR 21 lakhs per annum

Documents Required for HDFC Bank Credit Cards

Alongside a completed application form to apply for HDFC Credit Card, applicants must submit ID proof, address, and income proof.

The following is a list of acceptable.

1. Proof of Identity

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID,
Foreign Citizenship of India Card or Indian Origin Card, of Indian Origin Card, Job card issued by NREGA or Letters from the UIDAI as well as any Photo IDs that the government approves

2. Proof of Address

Aadhaar card Card, Driver’s License Passport, Aadhaar card bill not exceeding 3 Months old, Ration card, property registration document, a person of Indian Origin Card, Job card issued by NREGA and Bank Account The Statement, or another type of government accepted address document

3. Proof of Income

Most recent one or two-payroll pay slip (not older than three months) The most recent Form 16, Last 3 Months bank statement.

How do you apply online for HDFC Diners Club Black Credit Card?

You can apply for a credit card through the HDFC Bank website. In addition to making your application and uploading the necessary documents as well. This will ensure that your application will be processed quicker.

Other advantages that come with applying for a credit card on the HDFC website are the chance to check the credit rating of your prospective customers, no-cost gifts, speedy processing of your application, and so on.

You could request the card through the following steps:

  • If you are on the HDFC Diners Club Black Credit Card page, click on the ‘ Check Eligibility button to determine your eligibility for the card.
  • You’ll be taken to the credit card application page if you’re eligible for credit.
  • Complete the required details and then click “Submit.”
  • Then, you will be asked to upload documents. After that, you will need to hit ‘Submit.’

You will receive an application number when the form is completed, and all documents have been sent without errors. Utilize that ID to determine the credit card application status by clicking on ‘ Check Application Status.

HDFC Diners Club Black Card Credit Limit

The amount of credit you can get would largely depend on your income, the repayment capacity, and your credit score. To be eligible for an increased limit, you must earn an excellent and substantial income, which will lead to a solid repayment capacity. In addition, if you’ve been involved in managing any credit, your credit score is at hand to HDFC Bank to check on. The bank will also check your credit background to understand your credit better. All of this would be reviewed in-depth before the bank chooses the amount of credit.

HDFC Diners Club Black Card Bill Payment

The statement will display the amount due to be paid by an exact date. Therefore, you can avail all of these online or offline options to pay the bills. Online payment options would consist of Internet Banking, debit cards, credit cards, and other banks. On the other hand, there are alternatives to cash that are not online and cheques to pay the debts. However, due to the ease of use of the online payment options, it is recommended to choose the identical.

HDFC Diners Club Black Card Customer Care 24X7 Number

The customer service of the HDFC Bank can be contacted through a variety of channels. You can always go to the bank’s official site and make their inquiries and complaints through the website. You can also connect directly with them via their toll-free helpline number. If there are HDFC bank branches close to you, you can visit them during business hours to get your issues resolved.

HDFC Diners Club Black Credit Card Faqs:

1. Do annual memberships automatically renew on the renewal of the card?

Yes, all annual memberships available will be automatically renewed following the payment for the renewal cost.

2. Am I able to earn rewards points for every transaction?

If you have an HDFC Diners Club Black Credit Card, you’ll earn 5 reward points for each Rs. 150. Rewards points are made for all transactions by using the card.

3. What is a low mark-up on foreign exchanges that will benefit me?

A minimal foreign exchange mark-up fee will allow you to reduce the cost of your international transactions. For instance, if you frequently are on a trip abroad and often shop on foreign websites, cards with hefty foreign transaction fees may not be the best choice to choose since paying these extra charges each time you conduct an international transaction using the card could cost you a lot.

4. Can I pay for all the hotel booking or flight costs with the reward point system?

If you have enough points to accumulate, you may purchase flight tickets or hotel reservations. The booking is a Redeem Points Booking since you’re using your Reward Points to make these transactions.

5. I have two additional members on my credit card. Are both members eligible for complimentary lounge access?

Yes, with your Primary Card from HDFC and an Add-on HDFC Card, you can access the airport lounge for free.

6. Do I Earn reward points based on the amount I pay for fuel with my HDFC Bank Diners Club Black Credit Card?

You cannot earn reward points based on the amount you pay for fuel using an HDFC Bank Diners Club Black Credit Card.

7. What can I do to find information about the golf courses I can go to with my HDFC Diners Club Black Credit Card?

The details on the golf courses are on the HDFC Bank Diners Club website.

8. How can I find more information on HDFC Diners Club Black Credit Card?

The HDFC Diners Club Black Credit Card information is on the HDFC Bank website. You can also call HDFC Credit Card customer service at 1800 266 4332 for details.

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By Kapil Garg

I am a professional Loan and Insurance advisor with an approved license helping people with my services like Loans, Retirement Planning, Investment Planning.

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