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This HDFC Diners Club Black Credit Card is an uber finest quality credit card that has been launched by HDFC Bank, which stances with balance with HDFC Infinia Credit Card. But Infinia credit card is collaborated with Visa or Mastercard, while HDFC Diners Club Black Credit Card has collaborated with international diners club credit card. This is the first independent company of credit cards worldwide that issues charge cards or credit cards. In my opinion, there should be more respect for HDFC Diners Club Black Credit Card as it is an international collaborated credit card. Let’s review the article in detail.
Key Highlights
In this article
The HDFC Diners Club Black Credit Card offers the welcome benefits of having yearly membership of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT Double Black, and Time Prime.
This HDFC Diners Club Black Credit Card has got 4-star card ratings.
HDFC Diners Club Black Credit Card gives you a 3.33% reward rate, which is 5 points on each Rs.150 of expenditure.
The HDFC Diners Club Black Credit Card is the best match for lifestyle and travel.
Rewards
1. Reward Points Accrual
You can earn5 reward points on each Rs.150 of expenditure from retail purchase.
2. Reward Points Redemption
You can redeem these reward points for booking Air Tickets, Choice of Hotels, and Hotels across Airlines from international or domestic at 1 reward point is 1 rupee, from https://offers.smartbuy.hdfcbank.com/diners.
You also get an option for redeeming the reward points on the catalogue for HDFC Diners Club Black Credit Card.
The AirMiles you earned from across the InterMiles, Club Vistara, Singapore Airlines, which is 1 reward point is 1 AirMile. Also, before even jumping for AirMiles Redemption through Net Banking, you should complete the Frequent flyer registration.
For any hotel or flight bookings, the HDFC Diners Club Black Credit Cardholder can redeem a maximum of up to 70% of the booking value through the reward points. The outstanding amount will be remunerated through the credit card.
3. Reward Point Validity
This HDFC Diners Club Black Credit Card has a limitation date for the reward point, and these reward points are legal for 3 years from the date of accrual.
E-wallet and EasyEMI transactions will not be able to accumulate the reward points.
If any of the retail transactions are converted into SmartEMI, then the reward points will reverse with the accumulation.
The reward points can be accumulated at a maximum capacity of 5,000 each day for insurance transactions with HDFC Diners Club Black Credit Card.
4. Reward Points
1 Reward point = Rs.1 if used for air tickets and booking hotels atthe dedicated portal.
1 Reward point ~ Rs.0.30 if redeemed for money.
1 Reward point ~ Rs.0.40 if used for abiding from reward catalogue.
5 Reward points per Rs.150 expenditure, on a 3.3% reward rate.
10X RewardsthroughSmartBuylike Amazon, Instant Vouchers, Flipkart, Train Tickets, Flights and Hotels and on the other hand, the partnered brands like Lakme Salon, Dermalogica, a cure.fit, Ola, and NNNOW.com, on a 33% reward rate.
7,500 bonus reward points on SmartBuy.
25,000 bonus reward points on partnered brands.
2X rewards on weekend dining, on 6.6% reward rate.
Minimum transaction of Rs.150.
Maximum capacity on weekend dining reward points of 1,000.
Reward points can be transformed to AirMiles on British Airways Executive Club (Avios), InterMiles, Singapore Airlines (KrisFlyer Miles), or Club Vistara in a 1:1 ratio.
Rewards points are legal only for 3 years from the date of accrual.
10X rewards, on a provisional basis, keep on getting longer every month. 33% of the reward rate is invincible.
Due to such a reward structure, this alone HDFC Diners Club Black Credit Card makes this card stand out from the crowd of other credit cards.
What Makes This Credit Card Better From Other Credit Card?
This HDFC Diners Club Black Credit Card offers you the privilege of saving 33% of your expenditures and having 10X reward points. None of the other credit cards offers you such a deal to earn the maximum of your reward points in less duration of time.
Who Should Opt For This Credit Card?
If you are ready to pay a huge amount of money for some special privileges, then this HDFC Diners Club Black Credit Card is the best appropriate credit card for you. And you can consider having this card. But know the reason first. They are: –
If you are a regular common traveller.
You have to make huge expenses regularly from your credit card and want to have a good value in return for the same thing.
You want to have the privilege of all different benefits from a single credit card, rather than having a centralised card on a single benefit.
Most importantly, you should have a lot of money to pay a good yearly fee, which is Rs.10,000.
Features And Benefits
1. Unbeatable Reward Rate
The reward points you get to earn on your expenditures, with that you can save too. Your savings are mentioned as below: –
You can get 33% on SmartBuy and 10X partners, but this is a temporary offer.
3% on all the retailing expenditure.
With this, it concludes, you can have 1 Lakh of expenditure through your card, and with that, you can also save Rs.3,300, which is an equivalent value in points, which sees no expenditure place and no upper limit. It would help if you only had unlimited rewards.
All your savings can get multiplied when you have your expenditure with 10X partners. For example, if you have Rs.50,000 of expenditure with 10X partners, you can also save Rs.16,500. That is a huge portion of currency that can be saved.
2. Unlimited Lounge Access
With this HDFC Diners Club Black Credit Card, you get access to unlimited airport lounges around the world for international and domestic. Contradicting the HDFC Infinia, there is no need for a Priority Pass card for admittance to the lounge; you only need your HDFC Diners Club Black Credit Card.
i. Add-On Card Lounge Access
Legitimately, the unlimited lounge privilege is only offered to the primary cardholder as per HDFC Bank and should not be protracted for add-on cardholders.
The truth is that sometimes the lounge access helps a lot to get charged, whereas sometimes you cannot get charged. Some of the members also say that you get stimulate5 for swipes on Add-on cards. Therefore, use it as per your wish. You also get an advantage of a low foreign currency mark-up fee of 1.99%. These charges are filled within the next 60 days of the visit.
3. Golf Privilege
One of the diverse benefits of the HDFC Diners Club Black Credit Card is that it gives golf lessons on a complimentary basis for 20 different golf courses across the nation and almost 40 different golf courses worldwide.
In one quarter, you can get only 6 complimentary golf games.
For all the domestic golf course lists, visit the website.
For all the international golf course lists, visit the website.
You can also get access to the Golf Concierge Assistance service for all 24-hour access. You can call on 022-42320226 or toll-free number 1800 118 887 for India.
4. Higher Credit Limit
The base limit of the HDFC Diners Club Black Credit Card is 4 lakhs. Generally, the cardholders have set their limit in the range of around 4-8 lakhs,
5. Welcome Benefit
On a complimentary basis, you can get a yearly membership for the partners who can get access to spend Rs.1.5 lakh within the first few 90 days or for a joining fee of understanding.
6. Annual Benefit
On a complimentary basis, you can get yearly membership to achieve the milestone of Rs.8 lakhs during Card Anniversary.
7. Monthly Milestone Benefit
HDFC Diners Club Black Credit Card can opt for 2 different privileges, one for Ola Select or cure. Fit, which is life for one month of membership, or TataCLIQ or BookMyShow vouchers, which is of Rs.500 each month on the expenditure of Rs.80,000.
8. Wellness Benefit
You have the liberty to use all the premium discounts at HDFC Diners Club Black Credit Card at some top salons, spas, gyms, etc.
The premium discounts or privileges are mentioned below: –
9. Concierge
You get a premium concierge service for 24 hours through your HDFC Diners Club Black Credit Card. With this, all your exclusive booking needs have to be taken care of by the concierge when you have the liberty to enjoy some amazing moments. You need to call on the toll-free number 1800-118-887 of India or landline 91-22-42320226.
Some services are mentioned below: –
Business Services
Golf Course Referral and Reservation Assistance
Courier Service Assistance
Car Rental and Limousine Referral and Assistance
Dining Referral and Reservation Assistance
Hotel Referral and Reservation Assistance
Flower and Gift Delivery Assistance
10. Travel Cover
Emergency overseas hospitalization – Rs.50 Lakhs
Travel Insurance Cover of up to Rs.55,000 on the delay of your baggage.
Air Accidental Death Coverage – Rs.2 Crore
Credit Liability Cover for up to Rs.9 Lakhs.
11. Preferential Financial Benefits
You can have 1% of convenience fee waiver on all fuel transactions. This waiver is only applicable for fuel transactions between Rs.400 to Rs.5,000, and the maximum waiver is Rs.1,000 on each statement cycle.
You can have interest-free credit for up to 50 days and can manage all your payments at your suitable period. You can also choose the pay on all the minimum due amount, and then you can carry forward the remaining amount for the next month, that too at a deficient interest charge of 1.99% for one month.
Convenience fee waiver of 1% on all fuel transactions. The waiver on the suitability fee is valid only for fuel transactions between Rs. 400 to Rs. 5000 (Maximum waiver of INR 1,000 per statement cycle)
Enjoy up to 50 days of interest-free credit and achieve your payments at your suitability. You can indicate to pay only the lowest quantity due and carry forward the stability quantity to the next month at a tremendously low-interest responsibility of just 1.99% per month.
Charges
Eligibility And Documents Required
Eligibility
For the eligibility of this HDFC Diners Club Black Credit Card, you need to follow below details:
The salaried person’s age should be minimum of 21 years and a maximum of 60 years, and income should be Rs.1.75 lakhs per month.
The self-employed person’s age should be minimum of 21 years and a maximum of 65 years, and income should be Rs.21 lakhs per year.
Required Documents
How To Apply For The Card?
To apply for HDFC Diners Club Black Credit Card, you need to follow some basic few simple steps, which are mentioned below: –
Then you will have to fill in some important details.
Then you will have to filter the result of all the credit cards of the HDFC Bank, and by that, you will easily search your HDFC Diners Club Black Credit Card.
Then you will have to ‘Check Eligibility’ and add some more information to validate your worthiness for your HDFC Diners Club Black Credit Card.
Then wait for the approval; you will be asked to fill the detailed form and submit it if it gets approved.
After this, you will have a call from the HDFC Bank executive to assemble all the documents at the entrance of your house.
This way, your online process will get a success, and you will receive your HDFC Diners Club Black Credit Card within 8-9 working days.
The other option for applying for the HDFC Diners Club Black Credit Card is visiting the nearest HDFC Bank branch.
FAQS
1. Will the yearly affiliations be inevitably transformed upon card regeneration?
Yes. All the yearly affiliation accessible will be inevitably transformed after payment of the renewal fee.
2. Do I get to produce reward points on all dealings?
With your HDFC Diners Club Black Credit Card, you will get to produce 5 reward points for each Rs.150 of expenditure. The reward points can be produced on all transactions made by the card.
3. How does a small foreign conversation mark-up fee give an advantage to me?
A low foreign conversation mark-up fee gives an advantage that will help you save a lot on your foreign dealings. For example, you are somebody who commonly travels abroad and shops the most on foreign sites. Cards with high foreign deal fees might not be the ones for you because gainful to those extra responsibilities every time you make a foreign deal with the card can essentially turn out to be luxurious.
4. Can I conceal the complete cost of my flight or hotel booking through reward points?
Yes. If you have sufficient accrued points, you can practice them to procure flight tickets or make hotel reservations. The reservation will be labelled as Redeem Points Booking, as you are using your Reward Points to wage for these dealings.
5. I have 2 add-on associates on my card. Are both operators qualified for free lounge admission advantage?
Yes. With the Chief Card of HDFC and an Add-on HDFC Card, you can have the benefit of complimentary Airport Lounge Access.
Similar Cards
If you feel that you will not be able to pay the yearly annual fee of HDFC Diners Club Black Credit Card, as it is very high for you to pay the yearly fee, then below are the alternatives that you can consider: –
Final Talk
Simply by concluding this, I can say having this HDFC Diners Club Black Credit Card can help you save some 33% on many of your shopping and travel expenditures. On that note, I would say the majority of people dream of having this credit card. Also, you cannot neglect the acceptance issues of the Diners Club network, but you still have an additional hand on the HDFC Diners Club Black Credit Card as it is a much better credit card with some excellent rewards.
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Diners Club Credit Cards In India And Its Acceptance…
Rewards. HDFC Diners Club Black credit card earns 5 reward points for every Rs 150. Each reward point is worth Rs 1 on redeeming some rewards (more on it later), so this translates to an excellent 3.33% return on your regular spending.
It would be best for you if you wish to earn excellent reward points on your purchases and do not mind paying an annual fee of Rs.10,000. Also, if you travel internationally, this card could save you a lot of money on your purchases.
You can get unlimited access to airport lounges across the world – both Domestic & International. Unlike HDFC Infinia, you don't need a separate Priority Pass card to access lounge, all you need is just your Diners card.
DCB gets lesser rewards than Infinia for Amazon, Instant Vouchers, Apple Tresor and Flipkart. Infinia also has a higher cap at 15000 per month than DCB at 7500 per month for Smartbuy rewards.
The Black Card is an exclusive charge card offered to high-net-worth individuals by invitation only. The Platinum Card is one tier lower. Prospective cardholders may apply online and must meet minimum eligibility requirements.
This is partly because payment gateways are competing with each other to provide payment solutions with maximum acceptance to merchants to reduce the abandoned carts. Major websites like Flipkart, Snapdeal, Paytm, Amazon, etc accepts Diners cards.
There are very high spending requirements to get a black card. Generally, a card issuer invites only their most loyal customers who spend upwards of six figures or more a year to become a black cardholder.
HDFC Bank Diners Club Premium, the best lifestyle credit card, offers unlimited golf lessons & airport lounge access worldwide. Apply for Premium Club.
Also, since the rewards on the SBI credit card can be converted into cash, the milestone benefit is worth Rs. 12,500. This is one parameter on which the benefits on SBI Card ELITE outshine those on HDFC Diners Club Black Credit Card.
1 Visa has better usage coverage in more websites categories. Including Lifestyle, Computers Electronics & Technology, E-commerce & Shopping, Food & Drink and 20 other categories. 2 Diners Club hasn't got a lead over Visa in any websites category.
The Diners Club Black HDFC credit card is the second most premium card by the HDFC bank after Infinia. While the Infinia card is invite-only, the eligibility criteria for the Diners Club Black, as mentioned earlier, is also fairly strict. The annual membership fee of both the cards is the same, Rs. 10,000.
As your income and needs increase, you can upgrade to a premium card like the HDFC Bank Visa Signature Credit Card. A premium card gives you higher credit limits, more magnificent Reward Points and more benefits. It also provides some lifestyle-related benefits such as free lounge access at airports.
While platinum, gold and black credit cards are all premium options, each represents a different level of status and service. Gold credit cards are a step up from standard cards; platinum credit cards are typically above gold, and black credit cards sit at the top of the pack.
But we have it on good authority that celebrities including Beyoncé, Oprah Winfrey, and Jerry Seinfeld, who reportedly received the first-ever Black Card, all carry it. Collectively there are thought to be fewer than 20,000 AmEx Centurion cardholders around the world.
Black credit cards are rare and exclusive. They're designed for the rich and are considered prestigious. Plus, they come with some great perks including special discounts. However, qualifying for the best black credit cards can be quite difficult as they have strict eligibility requirements.
The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.
HDFC Diners Club Black Credit Card is among the best super-premium credit cards in India. The card offers benefits across multiple categories including travel, shopping, rewards, dining and golf. It has one of the highest base reward rates of 3.33% and a low foreign exchange mark-up fee of 1.99%.
Use your card along with your ATM PIN number to access cash at Cirrus® ATMs around the world. It's a convenient way to get money instantly — day or night. Please see your Cardmember Agreement for any applicable fees and charges.
With a varied menu, affordable prices, relaxed style, friendly staff and an environment that's often noisy and full of laughter, it's no wonder diners are popular with every generation.
How much do you have to make to get Amex's black card? There aren't any income requirements per se, but you most likely need to be a high spender on your Amex cards. If you're in the ballpark of $250,000 to $500,000 in annual spending across all your open Amex cards, you may qualify for the Centurion card.
No spending limit: Because the Centurion® Card has no preset spending limits, you can use it to buy big ticket items that you may not be able to purchase with other credit cards. Since a black card is a charge card rather than a credit card, charges must be paid in full each month.
A black card generally gives the holder access to R300,000.00 credit facility. Black Card holders are usually business owners and C-Suite level executives.
The Mastercard® Black Card™ costs a whopping $300 more than the Titanium Card, but its high annual fee is pretty standard for a premium travel card. For the extra dough, you get all of the benefits provided with the Titanium Card, plus a few solid statement credits and airport lounge access.
The HDFC Bank Diners Club Black Credit Card is for those of you who appreciate the finer things in life. It comes with an annual membership fee of Rs.10,000 plus taxes as applicable.
You have access to use Amazon Prime, Club Marriott, Zomato Pro, Forbes, MMTDOUBLEBLACK, and Times Prime on a complimentary basis. You need to spend Rs. 1.5 Lakhs in the first 90 days, or you can release the 1st year fees from your HDFC Bank Diners Club Black Credit Card.
At annual spends of Rs.5 lakh, benefits with Diners Privilege Card are significantly higher. However, at annual spends of Rs. 8 Lakh, both HDFC Regalia and Diners Privilege provide nearly the same benefits.
The Mastercard® Black Card™ is best for high-earning consumers with 720 - 850 credit who are looking for a luxury credit card. We recommend this card for those who want a credit card that affords them bragging rights, as this heavy metal black card can do just that.
No, there aren't any credit cards higher than the “Amex Black Card.” Officially called the Centurion® Card from American Express, the Amex Black Card is far and away the most exclusive, prestigious credit card on the market.
Enjoy benefits such as unlimited Green Fee waivers at 20 golf courses in India, and 40 golf courses abroad. Get unlimited golf lessons around India on select courses. Lounge Access: You will receive complimentary access to lounges around the world and within India.
Diners Club cardmembers can withdraw cash from almost 500 Emirates NBD ATMs in the United Arab Emirates, as well as, ATMs that display the Diners Club International logo.
Now, Diners Club International Ltd. is a direct banking and payment services company owned by Discover Financial Services (NYSE: DFS), one of the most recognized brands in US financial services. As a member of Discover® Global Network, we have the capabilities to suit your needs.
Whereas American Express & Diners Club Credit cards are issued by American Express / Diners Club themselves. They issue cards and process the payments on their own network.
This is a premium travel credit card launched by HDFC. Get an annual fee waiver when you achieve milestone spends with this card. The annual fee is Rs. 2,500.
Yes, there is a black credit card with a $0 annual fee - the RBC Bank Visa Signature Black Credit Card. The card offers 1 point / $1 spent on all purchases. There's also an introductory APR of 0% for 6 months on both purchases and balance transfers. Each balance transfer is subject to a 3% (max $99) fee.
HDFC Bank Diners Club Premium, the best lifestyle credit card, offers unlimited golf lessons & airport lounge access worldwide. Apply for Premium Club. Get rewarded with shopping points every time you use your HDFC credit and debit cards.
Users of HDFC Bank Credit Card think it offers great benefits. ¬They are impressed with the credit limit this card offers. While many of them are happy with the bank's Cashback offers, there are some who love the lifetime free Cards. They also think that the fuel surcharge waiver offered by the Card is great.
HDFC Diners Club Black Credit Card is among the best super-premium credit cards in India. The card offers benefits across multiple categories including travel, shopping, rewards, dining and golf. It has one of the highest base reward rates of 3.33% and a low foreign exchange mark-up fee of 1.99%.
The privileges of a black card include upgrades and special permissions for rental cars and access to some of the most breathtaking hotel suites in hard-to-reach destinations. Black cards also offer dedicated concierge services, and some are even rumored to provide charter jet service.
The highest credit card color is black, in large part because of the ultra-exclusive Centurion® Card from American Express, which is also known as the “Black Card” due to its color.
Which is the safest credit card in India? SBI SimplySave credit card is the safest card as it offers the lowest interest rates with minimal joining and annual charges. The card also offers the best features for basic expenses like grocery and retail shopping.
Introduction: My name is Jonah Leffler, I am a determined, faithful, outstanding, inexpensive, cheerful, determined, smiling person who loves writing and wants to share my knowledge and understanding with you.
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