HDFC Diners Club Black Credit Card

The HDFC Bank Diners Club Black Credit Card is an elite and super-premium credit card offered by HDFC Bank in India. This card provides a host of exclusive benefits across various categories, including travel, shopping, rewards, dining, and golf. With a high base reward rate of 3.33%, it is an ideal choice for high-spenders. The card offers unlimited complimentary lounge visits and a low forex mark-up fee of 1.99%, making it particularly attractive for frequent travelers. Additionally, the card comes with a 24×7 concierge service, unlimited airport lounge access, complimentary rounds of golf at select courses worldwide, and numerous other premium perks. It is targeted towards individuals with a high net worth and is an excellent option for those seeking a premium credit card experience.

Key Highlights of HDFC Diners Club Black Credit Card

  • Interest free credit period of up to 50 days on your HDFC Diners Black credit card from the date of purchase.
    Just 2% Foreign Currency Markup on all your foreign currency spends.
  • Revolving credit available at a nominal interest rate.
  • Get exclusive 24/7 concierge services on your credit card by calling at toll-free number 1800118887 (India) or landline number 022 42320226.
  • Unlimited Airport lounge access for primary and add-on credit card members to 1000+ lounges in India and worldwide.
  • With SmartEMI, convert your credit card purchase/outstanding balance to EMIs and choose from a flexible tenure ranging from 6 to 24 months.
  • The HDFC Bank Diners Club Black Credit Card is enabled for contactless payments.

HDFC Diners Club Black Credit Card Fees and Charges

  1. Joining Fee: You need to pay Rs. 10,000 plus taxes when you join.
  2. Renewal Fee: Every year, you have to pay Rs. 10,000 (plus applicable taxes) to continue using the service.
  3. Spend based Waiver: If you spend Rs. 5,00,000 in the previous year, you won’t have to pay the renewal fee.
  4. Foreign Currency Markup: When you use the card in foreign currency, there is an extra charge of 1.99% (plus applicable taxes).
  5. Interest Rates: If you carry forward a balance on the card, you will be charged 1.99% interest per month (or 23.88% annually) on the remaining amount.
  6. Fuel Surcharge: You will get a waiver of 1% fuel surcharge, with a maximum cap of Rs. 1,000 per month. However, to avail this waiver, you must make a minimum transaction of Rs. 400.
  7. Cash Advance Charge: When you withdraw cash using the card, you will be charged the higher of 2.5% of the amount withdrawn or Rs. 500.

HDFC Diners Club Black Credit Card Eligibility

For Salaried Indian National:

  • Age: Minimum 21 years and maximum 60 years.
  • Income: You need to have a monthly net income of more than Rs 1.75 lakhs.

For Self-Employed Indian National:

  • Age: Minimum 21 years and maximum 65 years.
  • Income: If you are self-employed, your Income Tax Return (ITR) should be more than Rs 21 lakhs per year.

Documents Required for HDFC Bank Diners Club Black Credit Card

  • For Identity Proof, Voters’ ID, Driving License, Aadhar Card, PAN Card, Passport, etc.
  • For Address Proof, you can use one of these: Voters’ ID, Passport, Aadhar Card, or the latest month’s utility bills.
  • As Proof of Income, you can submit either your latest Income Tax Return (ITR) or the latest bank statements/salary slips.

How to apply for HDFC Diners Club Black Credit Card?

  1. Online Application: You can apply for the card online through the HDFC Bank website. Look for the “Credit Card” section and navigate to the Diners Club Black Credit Card page. Fill out the application form with accurate personal and financial information.
  2. Offline Application: If you prefer the traditional way, visit the nearest HDFC Bank branch. Request the application form for the HDFC Diners Club Black Credit Card, fill it out, and submit it along with the required documents.
  3. Application Review: After submitting the application, the bank will review your details and documents. They might contact you for further verification if needed.
  4. Approval Process: If your application meets the bank’s criteria, and the documents are verified successfully, you will receive approval for the credit card.
  5. Card Delivery: Once approved, the bank will issue the HDFC Bank Diners Club Black Credit Card and deliver it to your registered address.

Frequently Asked Questions (FAQs)

1. What is HDFC Diners Club Black Credit Card?

The HDFC Diners Club Black Credit Card is a premium credit card offered by HDFC Bank. It is designed to provide exclusive privileges and benefits to cardholders, including travel perks, lifestyle benefits, and rewards on both domestic and international transactions.

2. How can I apply for HDFC Diners Club Black Credit Card?

You can apply for the HDFC Diners Club Black Credit Card through the HDFC Bank website or by visiting a nearby HDFC Bank branch. The application process usually involves filling out an online form, submitting necessary documents, and meeting the eligibility criteria set by the bank.

3. What are the eligibility criteria for HDFC Diners Club Black Credit Card?

Eligibility criteria may vary, but typically include factors such as age, income, credit score, and residence status. It is advisable to check the specific eligibility requirements on the HDFC Bank website or contact the bank directly.

4. What are the key features of HDFC Diners Club Black Credit Card?

The HDFC Diners Club Black Credit Card offers features such as airport lounge access, travel benefits, exclusive dining privileges, reward points on transactions, and concierge services. The card is known for its premium offerings tailored for frequent travelers and individuals seeking luxury experiences.

5. What is the annual fee for HDFC Diners Club Black Credit Card?

The annual fee for HDFC Diners Club Black Credit Card is subject to change and may vary. It is recommended to check the latest fee structure on the HDFC Bank website or contact the bank’s customer service for the most up-to-date information.

6. How does the reward points system work on HDFC Diners Club Black Credit Card?

HDFC Diners Club Black Credit Card comes with a reward points program where cardholders earn points for every transaction. These points can be redeemed for a variety of benefits, including travel bookings, merchandise, and more. The redemption process and the value of points may vary, so it’s advisable to review the rewards program details provided by the bank.

7. Is there any foreign currency transaction fee for HDFC Diners Club Black Credit Card?

HDFC Diners Club Black Credit Card may have foreign currency transaction fees for international transactions. It is recommended to check the card terms and conditions or contact the bank to get details on foreign currency transaction fees and other associated charges.

8. How can I contact customer support for HDFC Diners Club Black Credit Card?

HDFC Bank provides customer support through various channels, including phone, email, and in-person at bank branches. The customer service contact details are typically mentioned on the HDFC Bank website and in the card documentation provided to the cardholder.

9. Can I track my HDFC Diners Club Black Credit Card transactions online?

Yes, HDFC Bank usually provides online banking services where cardholders can log in to their accounts to view transaction history, check statements, and manage their credit card account. The online banking portal is a convenient way to track and monitor credit card transactions.