4 Rating • HDFC Bank Bank

HDFC Diners Club Black Credit Card

Premium Category Reward Points
Reward Rate
Up to 3%
Annual Fee
₹10000
Premium General
Processing: 7-10 days
100% Secure
HDFC Bank BANK
HDFC Diners
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

If you're looking for a credit card that can make your dreams come true, then you should check out the Diners Club Black Credit Card! It's considered one of the top super premium credit cards, and while there is a joining and annual fee of ₹10,000, it's totally worth it. With a reward rate ranging from 3.3% to 33%, you can enjoy exclusive benefits like golf access, free memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One and MMT BLACK, dining, travel, insurance benefits and much more! Keep reading to learn more. 👇

Quick Overview

Joiningandannualfee ₹10,000 \+ taxes
Welcomebonus Club Marriott, MMT Black, Swiggy One, Amazon Prime, Forbes Digital subscription, as a welcome benefit upon achieving spending of ₹1.5 lakhs within the first 90 days or upon joining fee realization.
Bestfor Lifestyle
Rewardrate 3.33%
Cardtype Premium Credit Card
Cardnetwork Diners Club

Expert Review

Key Features

The HDFC Diners Club Black Credit Card is a premium credit card that offers a wide range of exclusive benefits, including high rewards, exclusive travel and lifestyle benefits, and comprehensive insurance coverage. However, it also has a high annual fee and limited acceptance. Overall, the HDFC Dine...

Key Highlights

Reward Rate

Up to 3%

Annual Fee

₹10000

Rating

4/5

Category

Premium

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

Free Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One and MMT BLACK.

Decent reward rate of

Limitations

Diners Club Black Credit Card has a high annual fee.

Income group eligible for the card is also a little high.

The Diners Club payment network is not as widely accepted as Visa or Mastercard. This means that you may not be able to use your card at all merchants.

Fee and Charges

Joining Fee

₹10000

Annual Fee

₹10000

APR

23.88%

Charge Type Amount
Add-on Card Fee Free
Cash Withdrawal Fee 2.5%
Foreign Transaction Fee 2%
Over Limit Penalty 2.5%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
₹100 to ₹500 ₹100
₹501 to ₹5,000 ₹500
₹5,001 to ₹10,000 ₹600
₹10,001 to ₹25,000 ₹800
₹25,001 to ₹50,000 ₹1100
More than ₹50,000 ₹1300

Reward Points Structure

Rewards Category Rate Eligibility
Dining & Entertainment 4X Restaurants, movies, entertainment venues
Travel & Hotels 4X Airlines, hotels, travel bookings
Online Shopping 2X E-commerce platforms and online merchants
All Other Spends 1X General purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Premium Service Seekers

Ideal for those who value premium services and exclusive benefits

How to Apply

1

Visit the HDFC Bank website or nearest branch

2

Navigate to the credit cards section

3

Select the desired credit card

4

Click on "Apply Now" and fill the application form

5

Upload required documents (identity, address, income proof)

6

Submit the application and wait for verification

7

Receive your credit card upon approval

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: ₹1 per month

Documents Required

Proof of Identity

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof. *

Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. *

Proof of Income

Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement. [image1]: <data:image/png;base64, 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>

Expert Review

Charges
2/5
Rewards
4/5
Customer Service
4/5

Detailed Analysis

The HDFC Diners Club Black Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for premium enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of ₹10000 and other associated charges. These factors should be weighed against the benefits offered.

Overall, the HDFC Diners Club Black Credit Card is a good option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

Apply Now

Get instant approval and start enjoying benefits!

Apply Online
100% Secure Application

Quick Stats

Bank HDFC Bank
Category Premium
Rating 4
Reward Type Reward Points

Best Suited For

Premium
General

Similar Cards You Might Like

Explore other cards from the same bank or category

HDFC Bank
4.1

6E \- Rewards Indigo HDFC Bank Credit Card

If you are someone who loves to travel, you may be in search of a credit card that offers a range of...

ICICI Bank
3.5

Adani One ICICI Bank Platinum Credit Card

The Adani Group and ICICI Bank have launched two co-branded credit cards: the Adani One ICICI Bank S...

ICICI Bank
4

Adani One Signature Credit Card

The Adani One ICICI Signature Credit Card caters to frequent travellers, especially those who use th...