Explore Benefits of HDFC BankDiners Club BlackCredit Card

HDFC Bank

Explore Diners Club Black Credit Card

Basic Information

Welcome Benefits All welcome benefits: Spend ₹1.5 lakh within first 90 days of card issuance and get complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One.

Card Details Card Name: HDFC Bank Diners Club Black Metal Edition Credit Card
Bank Name: HDFC Bank
Card Type: Metal Credit Card
Network: Diners
Network Variant: Black Metal Edition

Card Category Card Category: Super Premium

Payment Network Payment Network: Diners

Eligibility Age Criteria: Minimum 21 years
Employment Type: Salaried / Self-employed

Rewards Program

Reward Points Reward Rate: 5 Reward Points per ₹150 retail spend
Reward Value: SmartBuy flights/hotels: ₹1 per point; AirMiles: up to 1 AirMile per point; Products/Vouchers: up to ₹0.50 per point; Cashback: up to ₹0.30 per point
Reward Expiry: Official card page does not specify a fixed expiry period

Redemption Reward Redemption Options: SmartBuy flight/hotel bookings, AirMiles conversion, products and vouchers, cashback
Reward Redemption Limit: Flights/hotels: redeem points for up to 70% of booking value; remaining amount must be paid by card

Milestone Rewards Milestone Benefit: Spend ₹4 lakh in a calendar quarter and receive 10,000 bonus reward points
Annual Spend Benefit: Spend ₹8 lakh in 12 months and get renewal fee waived for the next renewal year

Travel Benefits

Airport Lounge Domestic Airport Lounge: Unlimited access to 1,300+ lounges in India
International Airport Lounge: Unlimited access to 1,300+ lounges worldwide
Lounge Spend Condition: No specific spend condition stated on the official card page

Travel Offers Travel Booking Offers: SmartBuy offers up to 10X reward points on hotel and flight bookings

Forex Benefits Low Forex Markup: 2% foreign currency markup
International Offers: International travel benefits and lounge access

Shopping Benefits

Online Shopping Online Shopping Benefit: Earn up to 10X reward points through SmartBuy

Dining & Entertainment

Dining Dining Rewards: 2X reward points on weekend dining at participating restaurants
Dining Discount: Up to 25% savings on restaurant bill payments via Swiggy Dineout, including restaurant and Swiggy discounts

Lifestyle Benefits

Golf Golf Games: 6 complimentary golf games every quarter, up to 24 games annually

Concierge Concierge Service: Dedicated Concierge Desk, available 24×7

Luxury Services Luxury Hotel Benefits: Club Marriott membership welcome benefit
Premium Experiences: Tailor-made offers such as workspaces, business insurance and wellness discounts

Wellness Wellness Offers: Wellness discounts

Insurance & Protection

Insurance Air Accident Insurance: ₹2 crore
Travel Insurance: Emergency overseas hospitalisation cover ₹50 lakh; international flight baggage delay cover up to ₹55,000 for delay beyond 8 hours, capped at $10/hour

Card Security Credit Liability Cover: Up to ₹9 lakh
Fraud Protection: Protection against fraudulent transactions, subject to policy terms

Digital Features

Payments Contactless Payment: Contactless payments supported

Banking Features Mobile Banking: HDFC Bank MyCards for card management
Instant Card Control: Enable/disable online, contactless, international and other transaction controls; set usage limits

Add-on Features

Family Benefits Add-on Card: Lounge access available for primary and add-on card members

EMI Features EMI Conversion: Convert eligible large transactions into SmartEMI after purchase

Fees & Charges

Joining Charges Joining Fee: ₹10,000 + applicable taxes

Annual Charges Annual Fee: ₹10,000 + applicable taxes
Annual Fee Waiver: Spend ₹8 lakh in 12 months and get the renewal fee waived for the next renewal year.

EMI Charges EMI Facility: SmartEMI — convert eligible large transactions into EMI after purchase

Forex Charges Forex Markup Fee: 2% on foreign currency spends

Customer Support

Service 24×7 Customer Support: Dedicated Concierge Desk available 24×7

Performance & Ratings

Best Usage Best For: Travel, luxury lifestyle, dining, golf and high-value reward redemption

Advantages Pros: Unlimited airport lounge access, 10X SmartBuy rewards, quarterly milestone rewards, golf benefits, low 2% forex markup, premium insurance covers

Limitations Cons: ₹10,000 + taxes annual fee; reward redemption limits; benefits subject to terms and conditions; Diners network acceptance may vary by merchant

Instant Check Eligibility | Diners Club Black Credit Card

Instant Check Eligibility

Frequently Asked Questions About Diners Club Black Credit Card

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

The HDFC Bank Diners Club Black Metal Edition Credit Card is designed for premium customers who frequently travel, dine out and spend on lifestyle experiences. It offers unlimited domestic and international airport lounge access, up to 10X Reward Points on eligible SmartBuy bookings, 2X Reward Points on weekend dining, complimentary golf games and exclusive membership benefits. Cardholders can also earn 10,000 bonus Reward Points on eligible quarterly spending of ₹4 lakh or more.

What is the eligibility criteria for the HDFC Diners Club Black Credit Card?

To apply for the HDFC Bank Diners Club Black Metal Edition Credit Card, salaried applicants must be Indian nationals aged 21 to 60 years with a monthly net income exceeding ₹2.5 lakh. Self-employed applicants must be Indian nationals aged 21 to 65 years with an annual income exceeding ₹30 lakh as per their Income Tax Returns (ITR). Final approval depends on HDFC Bank's internal credit assessment and verification.

What is the annual fee and joining fee of the HDFC Bank Diners Club Black Credit Card?

The HDFC Bank Diners Club Black Metal Edition Credit Card carries a joining and annual renewal membership fee of ₹10,000 plus applicable taxes. Cardholders can qualify for a renewal fee waiver by spending ₹8 lakh within 12 months, subject to the bank's applicable terms and conditions.

How can I apply for the HDFC Diners Club Black Credit Card online?

You can apply for the HDFC Bank Diners Club Black Credit Card online through the official HDFC Bank website or an authorised application channel. Start by checking your eligibility, entering your personal and income details, and completing the required verification process. Depending on your application, the bank may request supporting documents or Video KYC before making an approval decision.

What documents are required to apply for an HDFC Diners Club Black Credit Card?

Applicants may need to provide a PAN card, Aadhaar card, passport or another accepted identity and address proof. Salaried applicants may be asked for recent salary slips, Form 16 or bank statements, while self-employed applicants may need to submit Income Tax Returns (ITR) and relevant financial documents. The exact document requirements depend on HDFC Bank's verification process.

How many reward points can I earn with the HDFC Bank Diners Club Black Credit Card?

The HDFC Diners Club Black Metal Edition Credit Card offers 5 Reward Points for every ₹150 spent on eligible regular purchases. Cardholders can earn up to 10X Reward Points on eligible hotel bookings and 5X Reward Points on eligible flight bookings through SmartBuy. Additionally, eligible weekend dining transactions earn 2X Reward Points. Spending ₹4 lakh or more in a calendar quarter also qualifies for 10,000 bonus Reward Points, subject to applicable conditions.

Does the HDFC Diners Club Black Credit Card offer unlimited airport lounge access?

Yes, the HDFC Bank Diners Club Black Metal Edition Credit Card offers unlimited complimentary airport lounge access at more than 1,300 lounges across India and internationally. This benefit is available to primary and add-on cardholders, subject to the applicable lounge access policy, participating lounge list and terms and conditions.

What welcome benefits are available on the HDFC Bank Diners Club Black Metal Edition Credit Card?

Cardholders can enjoy complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One as welcome benefits. To qualify, eligible net retail spending of ₹1.5 lakh must be completed within the first 90 days of card issuance. Membership activation and redemption are subject to the respective programme terms and conditions.

Is the HDFC Diners Club Black Credit Card good for international travel and foreign currency transactions?

Yes, the HDFC Bank Diners Club Black Metal Edition Credit Card can be useful for international travellers because it offers unlimited international airport lounge access and a 2% foreign currency markup on foreign currency transactions. It also provides eligible travel insurance benefits, including air accident insurance and emergency overseas hospitalisation cover, subject to policy conditions and exclusions.

Can I redeem HDFC Diners Club Black Credit Card reward points for flights, hotels and cashback?

Yes, accumulated Reward Points can be redeemed through HDFC Bank SmartBuy and other eligible redemption channels. One Reward Point is generally equivalent to ₹1 for eligible flight and hotel bookings through SmartBuy, up to ₹0.50 for eligible products and vouchers, and up to ₹0.30 for cashback. Flight and hotel bookings allow redemption of up to 70% of the booking value through Reward Points, subject to applicable redemption limits and terms.

Can I get the HDFC Bank Diners Club Black Credit Card without an existing HDFC Bank savings account?

Having an existing HDFC Bank savings account is not necessarily mandatory to apply for the Diners Club Black Metal Edition Credit Card. However, applicants must satisfy the bank's income, age, identity verification and credit assessment requirements. HDFC Bank may request additional financial documents or information before approving the credit card application.