The HDFC Bank Diners Club Black Credit Card is one of the most exclusive premium cards available in India. Known for its extensive range of lifestyle benefits, reward points, travel perks, and unmatched privileges, this card is designed for high-net-worth individuals who value luxury, convenience, and superior service. In this article, we will provide a detailed overview of the HDFC Diners Club Black Credit Card, including its features, benefits, fees, rewards program, eligibility, and more, helping you make an informed decision.
1. Key Features of HDFC Diners Club Black Credit Card
The HDFC Diners Club Black Credit Card is packed with high-end features that cater to frequent travelers and those who enjoy luxury services. Some of the card’s standout features include:
- Unlimited Airport Lounge Access: Complimentary unlimited access to over 1,000 airport lounges worldwide.
- Reward Points: Earn 5 reward points for every ₹150 spent, and these points can be redeemed across travel, shopping, and entertainment categories.
- Milestone Benefits: Achieve spending milestones to unlock bonus rewards and exclusive gifts.
- Low Foreign Currency Markup: A low 1.99% foreign currency markup makes it ideal for international travelers.
- Comprehensive Travel Insurance: Complimentary travel insurance, including air accident insurance and coverage for baggage delays or loss.
- Golf Privileges: Complimentary golf games at leading courses in India and abroad.
2. Detailed Benefits of the HDFC Diners Club Black Credit Card
a. Travel Benefits
The HDFC Diners Club Black is an ideal companion for frequent travelers, offering numerous travel-related perks:
- Complimentary Airport Lounge Access: Get unlimited access to over 1,000 airport lounges globally via Diners Club International lounges, and several domestic lounges in India.
- Travel Insurance: Includes air accident cover of ₹2 crore, medical emergency cover of ₹50 lakh, and insurance for flight delays and lost baggage.
- Low Foreign Currency Markup: At just 1.99%, it’s one of the lowest foreign currency transaction fees among premium cards in India.
b. Reward Points
The HDFC Diners Club Black is known for its generous rewards program:
- Reward Points Accumulation: Earn 5 reward points per ₹150 spent on all retail transactions (except fuel).
- Milestone Benefits: On achieving an annual spend of ₹5 lakh and ₹8 lakh, you receive 10,000 bonus reward points each time.
- Reward Redemption: Reward points can be redeemed across various categories like flight tickets, hotel stays, or purchases from the HDFC rewards catalog.
c. Lifestyle Benefits
Diners Club Black offers luxury lifestyle benefits:
- Golf Privileges: Enjoy complimentary golf games and coaching sessions at top golf courses worldwide.
- Concierge Services: The 24/7 concierge service can assist you with flight bookings, reservations, and other personalized services.
- Dining Discounts: Get up to 15% off on dining at premium restaurants across India.
d. Health and Wellness Benefits
Stay fit with HDFC Diners Club Black’s health-centric offers:
- Gym Membership Offers: Special discounts on memberships at select fitness centers.
- Exclusive Wellness Programs: Access to curated wellness programs and health benefits from HDFC’s partners.
3. Fees and Charges
a. Annual Fee
The annual fee for the HDFC Diners Club Black Credit Card is ₹10,000 + GST. However, this fee is waived off if you spend ₹5 lakh or more in a year.
b. Interest Rate
The interest rate on this credit card is 1.99% per month, which equates to 23.88% annually.
c. Other Charges
- Late Payment Fee: Ranges from ₹100 to ₹1,300 based on the outstanding balance.
- Cash Advance Fee: 2.5% of the withdrawn amount, with a minimum charge of ₹500.
4. Eligibility Criteria
The HDFC Diners Club Black Credit Card is designed for high-income individuals, and the eligibility requirements reflect this:
- Age: The primary cardholder should be between 21 and 60 years old.
- Income: Salaried individuals must have a minimum annual income of ₹1.75 lakh per month (₹21 lakh per annum). For self-employed applicants, the minimum annual income should be ₹21 lakh.
- Credit Score: A good credit score (generally above 750) is highly recommended for approval.
5. How to Apply for HDFC Diners Club Black Credit Card
Applying for the HDFC Diners Club Black Credit Card can be done either online or by visiting an HDFC Bank branch. Follow these steps to apply:
- Online Application:
- Visit the HDFC Bank official website and navigate to the credit cards section.
- Select the Diners Club Black Credit Card and complete the online application form by providing the required personal, financial, and identification details.
- Branch Application:
- Visit the nearest HDFC Bank branch with proof of income, address, and identity documents.
- Fill out the application form, and submit it along with the required documents for processing.
6. Pros and Cons of HDFC Diners Club Black Credit Card
Pros:
- High reward point accumulation and redemption options.
- Complimentary unlimited airport lounge access globally.
- Low foreign currency markup fee (1.99%).
- Extensive travel insurance benefits.
- Exclusive golf privileges and concierge services.
- Milestone benefits with additional reward points for high spenders.
Cons:
- High annual fee (₹10,000), though it can be waived with significant annual spending.
- Limited acceptance of Diners Club cards at some merchants, especially in rural or smaller towns.
- Eligibility criteria are strict, with a high-income requirement.
7. Why Choose HDFC Diners Club Black Credit Card?
The HDFC Diners Club Black Credit Card is an excellent option for frequent travelers and high-income earners who value luxury, travel perks, and reward programs. Its extensive benefits in terms of travel insurance, unlimited airport lounge access, and a strong rewards program make it ideal for those who can take advantage of these features. For individuals who meet the eligibility criteria and prefer a premium credit card that offers both travel and lifestyle privileges, the Diners Club Black is one of the best choices in the Indian market.
8. HDFC Diners Club Black Credit Card
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