HDFC Bank Diners Club Black Credit Card: Features & Benefits

HDFC Bank Diners Club Black Credit Card Features & Benefits

Summary

HDFC Bank Diners Club Black Credit Card is a premium card that provides the perfect mix of travel, lifestyle, and reward benefits. It is for high-spenders who want exclusive privileges. The card gives 5 reward points for every ₹150 spent on regular purchases and 10X reward points on partner brands like Swiggy, Ola, and Tata Cliq, making it highly rewarding.

For travelers, this card offers unlimited complimentary access to the airport lounges around the world. It comes with premium travel memberships and a low foreign exchange markup of 1.99% to help frequent travelers cut costs for international transactions.

Lifestyle benefits at the user’s end include 1+1 free dining with Dineout Passport, discounts at top restaurants, and free golf sessions on premium courses in India. For fitness enthusiasts, free sessions at gyms and spas make this card a must-have for a luxury lifestyle.

Introduction

We are all now seeking a credit card that offers not only facilities and benefits from day-to-day requirements but, more importantly, a premium experience. In light of that, HDFC Bank Diners Club Black Credit Card from HDFC Bank happens to be just what we seek. HDFC Bank Diners Club Black Credit Card not only promises high-class facilities and rewards but also new heights for lifestyles.

HDFC Bank Diners Club Black Credit Card comes for clients who are fond of good rewarding on spends while also being ready to enjoy globe-trotting and gormandizing activities. You’ll get the option to use an HDFC Diners Club Black Credit Card, getting more offers than that which can only be available for Indians all over the globe. HDFC Bank Diners Club Black Credit Card is designed for travelers as well as gourmands alike, catering to all expectations in every area.

HDFC The biggest feature of the Bank Diners Club Black Credit Card is its reward points program. Apart from this, cardholders also get premium lounge access, golf course membership, and many health benefits. HDFC Bank Diners Club Black Credit Card is not only a financial tool for you, but it also becomes an important part of your luxury life.

In today’s article, we will discuss in detail about HDFC Diners Club Black Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of HDFC Diners Club Black Credit Card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the HDFC Bank Diners Club Black Credit Card?

HDFC Diners Club Black Credit Card is a premium and exclusive credit card that targets high net-worth individuals. The HDFC Diners Club Black credit card is very popular for its good rewards program, worldwide acceptance, and benefits that are unique to this credit card.

The Diners Club Black card offers a reward program, international as well as domestic lounge access, golf privileges, and a wellness program. This HDFC Diners Club Black credit card will not only offer great deals on travel and dining but also ensure the transformation of one’s lifestyle into a luxurious experience.

How is the design of the HDFC Bank Diners Club Black Credit Card?

The HDFC Diners Club Black Credit Card is sleek and elegant in design, which gives it a premium look. It comes in color with a minimalist style that depicts modern times at hand. The Diners Club International logo is on the right side, and the HDFC Bank logo is on the top left side. 

Its classy look is supplemented by the well-embossed card details such as the number and name. Overall, this card’s black finish and clean design give an exclusive and luxurious look that seems to be appropriate for the high-end benefits that it offers.

What are the benefits of the HDFC Bank Diners Club Black Credit Card?

Here are some of the best features in simple words:

  1. Reward Points
  • Collect 5 reward points for every ₹150 spent.
  • Get 10X reward points on partner brands like Swiggy, Ola, Tata Cliq, and many more.
  • Redeem points for flights, hotel bookings, gifts, or cash back.
  1. Travel Benefits
  • Free airport lounge access worldwide
  • Annual memberships to premium travel brands are free.
  • Low Foreign Currency markup of just 1.99%, saving International transaction
  1. Lifestyle & Dining Perks
  • 1+1 Free on dining with the Dineout Passport.
  • Exclusive discounts on top restaurants.
  1. Health & Insurance
  • Free gym & spa sessions.
  • Free golf sessions across India.
  • Travel insurance coverage up to ₹2 crore.
  1. Annual Fee Waiver
  • Spend ₹8 lakh in a year to get the renewal fee waived.

What are the fees for the HDFC Bank Diners Club Black Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee₹9,999 + GST (one-time fee when you get the card).
Annual Fee₹9,999 = GST per year. This will be waived if you spend ₹8,00,000 or more in a year.
Add-on Card FeeThere are no charges for additional cards for family members.
Finance Charges3.75% per month (48% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment FeeFor Statement Balance
Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Diners Club Black Credit Card?

The following are the primary requirements:

  1. To apply for the  HDFC Diners Club Black Credit Card, you must be between 18 and 70 years old.
  1. The income requirement differs according to your employment status:
  • Self-Employed Professionals: A minimum Annual income of Rs 20 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750. 
  1. You must be an Indian resident and have valid address proof within the country. 
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC Bank Diners Club Black Credit Card?

The documents that you will have to submit to get an HDFC Diners Club Black Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
PhotographThe latest passport-sized photograph

Where can the HDFC Bank Diners Club Black Credit Card be used?

Here is the list of places where you can use it:

  • With the HDFC Diners Club Black Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
  • You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
  • You can use your  HDFC Diners Club Black Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
  • The  HDFC Diners Club Black Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Diners Club Black Credit Card?

The credit amount you can spend is what you are provided with an HDFC Diners Club Black Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

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

Apply it through both these modes: 

Online Application Process

  • Visit the official website of the HDFC Bank, i.e. 
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the  HDFC Diners Club Black Credit Card.
  • Just hover your cursor on the  HDFC Diners Club Black Credit Card, followed by selecting ‘Apply Now’ from there.
  • You will be asked to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • Apply online through the application form.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

  • You can walk into the nearest HDFC Bank branch to apply for the HDFC Diners Club Black Credit Card.
  • Request for the credit card application form of the  HDFC Diners Club Black Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be processed, and your information will be cross-checked at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the  HDFC Diners Club Black Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.
  • For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Diners Club Black Credit Card in 2025 be right?

Yes, getting an HDFC Diners Club Black Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

HDFC Diners Club Black Credit Card from HDFC Bank is undoubtedly a great financial tool that not only meets your needs but also takes your lifestyle to new heights. HDFC Diners Club Black Credit Card is a great choice for those who are looking for better experiences, more rewards, and travel facilities in their lives.

The biggest feature of HDFC Diners Club Black Credit Card is its reward program, through which you get 10X reward points on every transaction. Along with this, international acceptance and lounge access in different countries and abroad make it a perfect companion for travelers.

In addition, HDFC Diners Club Black Credit Card gives you a luxury experience with golfing privileges, wellness programs, and premium dining offers. The numerous features of HDFC Diners Club Black Credit Card not only make your financial transactions more rewarding but also make you a part of a great lifestyle.

Frequently Asked Questions (FAQ’s)

Que: Is HDFC Bank Diners Club Black Credit Card accepted internationally?

Ans: Yes, HDFC Diners Club Black Credit Card is accepted internationally and can be used at many places worldwide, including 700+ lounge access.

Que: What is the foreign exchange markup fee of HDFC Bank Diners Club Black Credit Card?

Ans: The foreign exchange markup fee on HDFC Diners Club Black Credit Card is as low as 2%, thus it is economical for international tours and shopping.

Que: How to apply for an HDFC Bank Diners Club Black Credit Card?

Ans: Yes, you can redeem reward points from HDFC Diners Club Black Credit Card through its official website or the HDFC Bank’s nearest branch. You need to apply according to your eligibility and with the required documents.

Que: Is there a redemption facility available in HDFC Bank Diners Club Black Credit Card?

Ans: Yes, you can redeem the HDFC Diners Club Black credit card earned reward points in a variety of ways such as booking flights, and hotels, buying products, or converting them into airline miles.

Que: What are the advantages of HDFC Diners Club Black credit cards?

Ans: Free golf games across golf courses in India and abroad. Annual membership of Amazon Prime, Forbes, Club Mariott, Times Prime, MMT Black, and Swiggy One free of cost. Get free vouchers for Ola Cabs, BookMyShow, TATACliQ, and cult. Fit Live, etc.

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