HDFC Diners Club Black Credit Card – A Super Premium Credit Card

Welcome Benefits

You can avail Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Dineout Passport, MMT BLACK and Times Prime by spending Rs.1.5 lakh within the first 90 days or upon first-year fee realisation on your HDFC Bank Diners Club Black Credit Card (T&C Apply).

The combined value of these memberships surpasses the fee charged by a wide margin. Also, they cover a wide range of needs like travel, online shopping, dining, etc. making this the perfect welcome package for cardholders. However, this should not be the sole reason to get the card.

Monthly Milestone Benefits

You can select any 2 monthly vouchers from Ola Select membership or cure. fit Live 1-month membership or BookMyShow or TataCLiQ worth Rs. 500 each,  every month on spends of Rs. 80,000. 

Click here to redeem your welcome, annual, and monthly milestone benefits or call 1800 118 887.

Reward Points

HDFC Diners Club Black Credit Card’s reward rate is among the highest in India at 3.33% offering 5 points for every Rs. 150 spent. So, if you make a purchase worth Rs. 15,000, you get 500 reward points. The card also offers up to 10X Reward Points on SmartBuy spends.

Moreover, the monetary/miles value of these points makes it even better.

• Convert the reward points into air miles with InterMiles, Club Vistara and Singapore Airlines (KrisFlyer Miles)- 1 Reward Point = 1 Airmile
• Use the reward points to book hotels/flight tickets through Smartbuy- 1 Reward Point = 1 Rupee
• Buy vouchers and items through exclusive reward redemption catalogue

The rewards are valid for 3 years so you will have enough time to accumulate a lot of points and redeem them for something substantial.

Travel Benefits

The travel benefits on HDFC Diners Club Black credit card come in 3 ways-

• The option to book flight tickets/hotels using reward points and converting points into air miles
• Unlimited airport lounge access worldwide for both primary and add-on user
• Low foreign exchange mark-up fee of 1.99%

The lounge access and low forex mark-up features will help you save big, especially if you are a frequent international traveller. However, there are no additional travel features such as extra reward points on travel booking or free membership to some frequent flyer programs. Such features would have made it even better for travellers.

If you are looking for a card with exclusive travel benefits as mentioned above, you can have a look at some of the best travel-focused credit cards offered by top banks:

Lifestyle and Wellness Features

The card does not lack behind in offering the best wellness benefits. As an HDFC Diners Club Black Credit Card customer, you can avail exclusive discounts at leading spas, salons, gyms etc. such as Sarva Yoga, Eyewearlabs, Round Glass Living, Tattva Spa, SleepyCat, Himalayan Hideaway, Neemrana Hotels, etc.

Click here for more details on the offer.

Other Benefits of HDFC Diners Club Black Credit Card

• Annual Fee Waiver: Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year
• 6 complimentary golf games per quarter across the finest courses in the world
• 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs. 400 (Max waiver of Rs.1,000 per statement cycle)
• Exclusive 24/7 Concierge Service to cover your needs like Golf Course Referral and Reservation Assistance, Dining Referral and Reservation Assistance, Car Rental etc.
• Insurance benefit is also offered in the following manner: Air accidental death coverage: Rs. 2 Crore, Emergency overseas hospitalisation of Rs. 50 Lakh, Credit Liability Cover of up to Rs. 9 Lakh and Travel Insurance Cover up to Rs. 55,000 on baggage delay (Capped to $10 per hour restricted to 8 hours)

HDFC Diners Club Black Credit Card comes with a high reward rate. Cardholders, especially those who put most of their expenses on credit cards, can get decent value-back out of this card. While it is a generous reward rate, it is not the highest. Cards like Axis Magnus and Axis Reserve come with a better reward rate; Standard Chartered Ultimate Credit Card comes with the same reward rate of 3.33%.

What makes this card stand out is its travel benefits. Complimentary lounge access for primary and add-on members along with a low forex mark-up fee and facility to covert points to miles truly makes it a great fit for frequent travellers. Unlike HDFC Infinia Credit Card that requires a Priority Pass to visit the lounges, HDFC Diners Club Black offers direct access when you present the card at the Diners Club Lounges.

So, if you are wondering whether this card would be the right choice for you, consider these points.

Get this credit card if:

• You have big expenses to put on credit cards and want to get good value back for the same
• You are a frequent traveller
• You want all-round benefits on a single credit card rather than a card focused on a single benefit
• You are usually able to spend Rs. 80,000 or more in a month, as it will help you avail the monthly milestone benefit

Related Read: SBI Card ELITE vs. HDFC Diners Club Black Credit Card

Do I earn reward points on all transactions?
With your HDFC Diners Club Black Credit Card, you will earn 5 rewards points for every Rs. 150 spent. The reward points can be earned on all transactions made using the card.

How does a low foreign exchange mark-up fee benefit me?
A low foreign exchange mark-up fee benefit will help you save a lot on your foreign transactions. Say, for example, you are someone who frequently travels abroad and shops the most on foreign websites then cards with high foreign transaction fees might not be the ones for you because paying those additional charges every time you make a foreign transaction with the card can actually turn out to be expensive.

Can I cover the entire cost of my flight/hotel booking through reward points?
Yes if you have enough accumulated points, you can use them to purchase flight tickets or make hotel bookings. The booking will be termed as Redeem Points Booking, as you are using your Reward Points to pay for these transactions.

I have 2 add-on members on my card. Are both users eligible for free lounge access benefit?
Yes, with Primary Card of HDFC as well as Add-on HDFC Card, you can avail complimentary Airport Lounge Access.