HDFC Diners Club Black Credit Card is among the best premium credit cards in India and could be a worthy alternative to HDFC Bank’s invite-only premium card- HDFC Infinia. While the card caters to multiple categories like shopping, dining, golf, etc., its primary focus remains on travel-centric benefits. In Oct 2023, a metal variant of HDFC Diners Club Black Card was launched with almost the same features except for different milestone benefits and fee waiver condition. Here is all you need to know about this premium credit card and how it compares with other cards like Axis Magnus and ICICI Bank Emeralde Credit Card.
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HDFC Diners Club Black Credit Card Rating ★★★★ |
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Rewards Program | ★★★★ |
Lounge Access | ★★★★ |
Other Travel Benefits | ★★★ |
Other Privileges | ★★★★ |
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With a reward rate of 3.33% across all spends and up to 33% on HDFC’s Smartbuy portal purchases, HDFC DC Black outshines other premium cards like Axis Magnus or ICICI Emeralde Private. The point-to-mile conversion and redemption of rewards against flight/hotel bookings at a 1:1 ratio make this card a preferable option for frequent travellers, especially those who are not inclined towards any specific brand, as points can be redeemed across 14+ airline and hotel partners.
Complimentary lounge access for primary and add-on members, along with a low forex mark-up fee and the facility to convert points to miles, add to its value for travellers. Users who put most of their expenses on credit cards can maximize the card’s value by earning substantial reward points and getting an equivalent value in miles or travel discount (through SmartBuy). High spenders would also be able to utilize the milestone benefit and avail the renewal fee waiver.
HDFC Diners Club Black offers benefits similar to HDFC Bank’s other premium credit card, HDFC Infinia. While Infinia is an invite-only card that comes with a stringent eligibility criteria, individuals who want to avail similar benefits but are not eligible for it can consider applying for HDFC DC Black Credit Card, offered at a comparatively lower annual fee of Rs. 10,000.
How does the Diners Club Metal Variant differ?
The metal variant of Diners Club Black Credit Card offers similar benefits to the plastic variant, except for 10,000 reward points as a milestone benefit, whereas DC Black Card offers cult.fit membership or vouchers. Also, the card offers an annual fee waiver on annual spends of Rs. 8 Lakh as opposed to Rs. 5 Lakh on the plastic variant.
Video: Quick Review of HDFC Diners Club Black Credit Card
Note: Details mentioned in the video have been sourced from the issuer’s website as of August 2024. For updated information, refer to this page.
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