HDFC Diners Club Black Credit Card

Following are the key highlights of HDFC Diners Black credit card:

• Interest free credit period of up to 50 days on your HDFC Black credit card from the date of purchase.  
• Just 2% Foreign Currency Markup on all your foreign currency spends.
• Revolving credit available at a nominal interest rate. 
• Get exclusive 24/7 concierge services on your credit card by calling at toll-free number 1800118887 (India) or landline number 022 42320226.
• Unlimited airport lounge access for primary and add-on credit card members to 1000+ lounges in India and worldwide. 
• With SmartEMI, convert your credit card purchase/outstanding balance to EMIs and choose from a flexible tenure ranging from 6 to 24 months.
• The HDFC Bank Diners Club Black Credit Card is enabled for contactless payments

Following are the HDFC Diners Club credit card benefits and features in detail:

Welcome Benefits

• Complimentary annual memberships of Club Marriott, Amazon Prime, Forbes, MMT BLACK and Swiggy One (3 months) by spending Rs. 1.5 Lakhs within the first 90 days of card issuance or on first year fee realization on your card.
• The above complimentary annual memberships can also be availed on achieving annual spend limit of Rs. 8 Lakhs at the time of card anniversary.

Milestone Benefits

• Complimentary vouchers of Ola cabs, cult.fit Live, BookMyShow, or TataCliQ on spending over Rs. 80,000 every month.

Rewards

• Earn 5 reward points on spending every Rs. 150.
• Get up to 10X reward points through SmartBuy. 
• Get 2X reward points on weekend dining.

Travel Benefits

• Book flight tickets or hotels across 150+ domestic and international airlines and choice of hotels at https://offers.smartbuy.hdfcbank.com/v1/diners

Lounge Access

• Unlimited access to 1,000+ airport lounges in India and worldwide for primary as well as add-on card members. 

Fuel Surcharge Waiver

• Get 1% fuel surcharge waiver across all fuel stations in India. 
• The minimum transaction value should be Rs. 400 for availing the offer.
• Maximum cashback available up to Rs. 1,000 per statement cycle.

Insurance Cover

• Credit liability cover of Rs. 9 Lakhs.
• Air accident insurance cover of up to Rs. 2 Crores.
• Emergency overseas hospitalization of Rs. 50 Lakhs.
• Travel insurance cover worth Rs. 55,000 on baggage delay (limited to 10$ per hour restricted to 8 hours).

Complimentary Golf Games

• 6 complimentary golf games per quarter across the finest courses in the world.

Good Food Trail Program

• Flat 10% extra discount on dining bills at 35K+ restaurants.

Also Read: HDFC Bank Forex Cards

Following are the charges for HDFC Diners Black card:

• Joining fee: Rs. 10,000 + applicable taxes.
• Annual fee: Rs. 10,000 + applicable taxes. Spend minimum Rs. 5 Lakhs in a year to get the next year’s renewal fee waived off.
• Conversion of credit card outstanding balance to EMI through SmartEMI: A processing fee of Rs. 199 + GST.
• Charges on revolving credit: 1.99% per month (23.88% annually).
• Auto EMI conversion charges: 20% rate of interest and processing fee of Rs. 99.
• Cash advance charge: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
• Late payment charges: Up to Rs. 1,300.
• Charges on overlimit account: 2.5% of overlimit amount, minimum Rs. 550.
• Payment return charges: 2%, minimum Rs. 450.
• Cash processing fee: Rs. 100. 
• Balance transfer processing charges: 1% of the balance transfer amount or Rs. 250, whichever is higher.
• Foreign currency transactions: 2%
• Duplicate physical statement charge: Rs. 10 per duplicate physical statement.
• Railway ticket purchase charge: 1% of the transaction amount + GST.
• Card validation charges - lounge: Rs. 2.
• Reissuance of lost/stolen/damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25 for cheque value up to Rs. 5,000 and Rs. 50 for cheque value above Rs. 5,000.
• Goods and Services Tax (GST): GST will be charged wherever applicable.
• TDS on withdrawals above Rs. 1 Crore: 2% on total cash withdrawals above Rs. 1 Crore.

Following are the eligibility criteria for the HDFC Diners Club Black credit card:

Eligibility for Salaried:

• The applicant should be an Indian citizen to be eligible for HDFC Diners card.
• The applicant should be aged at least 21 years old and maximum up to 60 years.
• The net monthly income of the applicant should be more than Rs. 1.75 Lakhs.

Eligibility for Self-employed:

• The applicant must be an Indian citizen.
• The applicant should be aged at least 21 years old and maximum up to 65 years.
• The annual income of the applicant as ITR should be above Rs. 21 Lakhs to be eligible for Diners Black HDFC card.

Also Read: HDFC Bank Virtual Credit Card

The documents required to apply for Diners Club Black credit card are as mentioned below:

• Address Proof (any of below-mentioned):
  • Aadhaar Card
  • Ration Card
  • Passport
  • Voter ID
• Identity Proof (any of below-mentioned):
  • Aadhaar Card
  • Driving License
  • Passport
• Income Proof: 
  • Salary Slips
  • Form 16
  • Income Tax Returns

HDFC Diners Club Black credit card offers the following reward points benefits:

• Earn 5 reward points on spending every Rs. 150.
• Get up to HDFC Diners Black 10x reward points through SmartBuy. 
• Get 2X reward points on weekend dining.

Rewards Points Redemption:

• You can redeem HDFC Diners Club reward points for booking flight tickets or hotels across a variety of domestic and international airlines and hotels at https://offers.smartbuy.hdfcbank.com/diners 
• Reward points can be redeemed for AirMiles across InterMiles, Singapore Airlines (KrisFlyer Miles), Club Vistara. 
• For flight and hotel bookings, you can redeem up to a maximum of 70% of the booking value via reward points. Rest of the amount will have to be paid via credit card.
• Accumulated rewards points on HDFC Black Diners card are valid for 3 years from the date of accumulation.
• Rewards points will not be accrued for any fuel transactions.
• EasyEMI & e-wallet loading transactions will not earn you any rewards points.
• Accrued rewards points will be reversed if any retail transaction is converted into SmartEMI.
• Accrued rewards points for insurance related transactions will have a maximum cap of 5,000 per day.
• 1 Reward Point is equivalent to: 
  • 1 Rupee for SmartBuy (flights/hotels)
  • 1 AirMile for Airmiles
  • Up to Rs. 0.50 for Product Catalogue (vouchers/products)
  • Rs. 0.30 for cashback