Welcome Benefits – HDFC Diners Club Black card comes with 10,000 Welcome Bonus Points worth Rs. 10,000 on payment of joining fee equal to Rs. 10,000.
Renewal Benefits – Continuing the benefit of bonus points in starting of membership year, you get 5000 Bonus Points worth Rs. 5,000 in exchange of renewal fee of Rs. 5,000 for 2nd and consecutive years.
Rewards Points Accrual – HDFC Diners Club Black card gives you the benefit of 5 Reward Points on every Rs. 150 spent on retail purchases. Apart from it, you earn incremental benefit of 50 Reward Points in against of every Rs. 150 you spent on international PoS purchases. You can earn a maximum of 2500 reward points in a statement month on international purchases. Each reward point that you earn the card is worth cashback value of Rs. 1 on redemption. Apart from international transactions, you also earn 50 reward points for every Rs. 150 spent on SmartBUY on following brands – Yatra, Flipkart and Cleartrip, and Online Partner brands such as Tata CLiQ, Zomato, BigBasket, Uber, BookMyShow, SOTC, redBus and Treebo Hotels as valid till Dec 31st 2018. You can earn a maximum of 2,000 reward points per statement month under 10X reward program. Aside from 10X Reward Program, you also get the chance to earn 25 reward points on your HDFC Bank Diners Club Black Card whenever you spend online at the following brands – BigBasket, MakeMyTrip, Snapdeal, redBus, SpiceJet, Goibibo and Kalyan Jewellers. You can also redeem your accumulated reward points against air miles. You can redeem each 10 Reward Points for 10 AirMiles for flight and hotels bookings across partner airlines and hotels like British Airways Executive Club, Jet Airways, Singapore Airlines, Trident Hotels and Club Vistara.
Golf Privileges – With HDFC Diners Club Black card, you get golf privileges around the year. You get 6 Golf green fee waived golf games in each calendar quarter at 20 domestic golf courses and 40 international golf courses.
Fuel Surcharge Waiver – In case of fuel transaction on your HDFC Bank Diners Club Black card, you get waiver of surcharge equal to 1% of the fuel transaction only if transaction value is between Rs. 400 to Rs. 5,000, subject to minimum benefit of Rs. 10 per transaction. The maximum benefit you can get under fuel surcharge waiver is limited to Rs. 500 per statement month.
Airport Lounge Access – You can avail unlimited complimentary access to domestic and international Diners Club lounges in a calendar year on HDFC Diners Club Black Cards. A fee of Rs. 2 will be charged on your card for validation purpose on each visit.
Lost Card Liability Cover – On HDFC Diners Club Black Card, you get a credit liability cover of up to Rs. 9 Lacs as applicable on fraud transactions 2 days prior reporting and 30 days post reporting.
Premium Concierge Help Desk – With HDFC Bank Diners Club Black cards comes premium concierge help desk. Be it enquiring or need of assistance for Golf Courses Reservation, Dining Reservations and Referrals, Flower and Gift Delivery, Car Rental and Limousine Referrals, Hotel Bookings, Business Services or assistance for Courier Service, you can do it all just by contacting Premium Concierge desk from your registered mobile number regardless of wherever you are traveling in the world.
Dining Discount – Whenever you dine at the partner restaurants, you get a 15% discount on the bill with Diners Club Global Dining offers giving you access to more than 1400 offers at across the globe.
Global Value Program – Tune into Global Value Program by paying an annual fee of Rs. 199 only and avail additional benefits on your international transactions. Under Global Value Program, you earn 500 Bonus Reward Points worth Rs. 150 on your first international transaction. Apart from that, you also earn Rs. 2,000 Yatra voucher on spending Rs. 1.50 Lacs in a year on international transactions. Aside from the welcome bonus reward and milestone benefit, you also get 1% cashback on your all international transactions.
Low Foreign Currency Mark-up – Being a HDFC Diners Club Black cardholder, you get the benefit of low currency conversion charges on your international transactions. Unlike other HDFC cards, Diners Club Black cards comes with 0.5% benefit on foreign currency conversion charges. You pay only 3% foreign currency markup fee against regular fee of 3.5% on each international transaction.
International Travel Cover – Unlike HDFC Diners Club Rewardz Card, you get protection cover from accidental death due to air accident to travel cover on your HDFC Diners Club Black card. You get personal air accident insurance of up to Rs. 2 Crores in case of death in the accident at the sport or within 12 months of accident due to injury. You also get medical cover of Rs. 50 Lacs in case of international travel. However, this protection is limited only for maximum international travel of up to 30 days. Air Accident cover and medical protection cover is provided by HDFC Ergo Limited. You also get baggage delay cover of up to Rs. 55,000, subject to maximum US$10 per hour for a maximum of 8 hours in case of international travel and maximum of US$30 for single item. You also get protection in case of plane hijacking and get cover of up to Rs. 55,000 in excess of 12 hours, subject to maximum of US$75 for each 6 hours on international flight.
Low on Cash Back Value – You don’t earn any direct cashback on your purchases apart from the 15% cashback that you earn against dining spend on the card. The cashback benefit on reward points can only be utilized on redemption.
The reward points earned on HDFC Bank Diners Club Black card comes with 3 years validity period as compared to 2 years period usually on other cards.
Regular Reward Points earned on each eligible transaction will be posted into your credit card account as per the same day of transaction. However, in the case of incremental (10X) rewards, points earned under 10X reward program will be posted into your credit card account by the next statement month.
HDFC Bank Diners Club Black card comes with a privilege of 24/7 Premium Concierge Service. All you need to do is dial toll-free number 1800-118-887 if you’re in India and +91-22-42320226 (Chargeable) if you’re traveling overseas, from your registered phone number and you can ask for any referral or assistance.
Age of a salaried applicant should be minimum 21 years to maximum 60 years.
Age of a self-employed applicant should be minimum 21 years to maximum 65 years.
The minimum salary of a Salaried Applicant should be at least Rs. 1.75 Lacs per month.
The minimum annual income for a Self-Employed Applicant should be at least Rs. 12 Lacs.
Bank Account Statement
Latest Income Tax Return
Spend Rs. 5 Lacs Annually – You can earn your annual fee of Rs. 10,000 back whenever you spend Rs. 5 Lacs annually on your Diners Club Black card. On reaching the milestone of Rs. 1 Lac annual spend, you’ll get card membership for next year free of cost.
Fees & Penalties
Type of Charges
Add-on Card Fee
1.99% per month
Cash Withdrawal Limit
Max 40% of credit limit
2.5% of the cash amount or Min Rs. 500.
Zero to Rs. 750
2.5% of the overlimit amount or Min Rs. 500.
2% of the payment amount or min Rs. 500 per instance
Foreign Currency Transaction
2% on the rupee value after conversion
1% of the fuel transaction, subject to minimum Rs. 10