Diners Club Black Credit Card

 

 

Diners Club Black Credit is a super premium credit card with host of membership benefits to splurge from dining, travel and entertainment. 

Features & Benefits

Welcome Benefit

• Avail Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK and Times Prime by spending 1.5 lakhs within the first 90 days or upon first year fee realization on your HDFC Bank Diners Club Black Credit Card (T&C Apply)

Reward Point

• 5 Reward Points for every Rs 150 spent
• Up to 10X Reward Points via SmartBuy and 2X on weekend dining
• Reward points are valid till 3 years .

• Fuel, EasyEMI and e-wallet loading transactions will not accrue Rewards Points. 
• Rewards Points accrued will be reversed if a retail transaction is converted into SmartEMI. 
• Rewards Points accrued for Insurance transactions will have a maximum cap of 5,000 per day.
  

• For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month.
• If you conduct a transaction (in-store or online) in Indian currency at an international location or with a merchant located in India but registered overseas, a dynamic & static conversion markup fee of 1 % will be charged
  

• Rewards Points Redemption:

1 RP Equivalent to
SmartBuy (Flights/Hotels)	Rs. 1.00
Airmiles	1.00 AirMile
Product Catalogue (vouchers/products)	Upto Rs. 0.50
Cash back	Rs. 0.30

• Redeem Rewards Points on exclusive reward redemption catalogue for HDFC Bank Diners Club Black Credit Cards.
• For flight and hotel bookings, HDFC Bank Diners Club Black card members can redeem upto maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card.

For detailed T&C's on the revised rewards points program & fee structure, Kindly click here

Lounge Access

• Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members. 

Conceirge

• Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Simply call : toll-free on 1800118887 ( india )  / Landline - 022 42320226

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India 

(on minimum transaction of ₹400. Max Cash Back of ₹1000 per statement cycle)

 

Annual Spend based benefit

• Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One, MMT BLACK and Times Prime can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary. ( T&C Apply ​​​​​​​)

 

Insurance/Comprehensive protection & Nominee details for Insurance

• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalisation: Rs. 50 Lacs
• Travel Insurance Cover of up to INR 55,000 on baggage delay 
  (Capped to 10$ per hour restricted to 8 hours)        
  
• Credit Liability Cover of up to ₹9 Lakh

Eligibility

For Salaried Indian national

•  Age Min 21 yrs & Max 60 yrs
•  Income: Net Monthly Income > Rs 1.75 Lakhs per month 

For Self Employed  Indian national

• Age: Min 21 yrs & Max 65 yrs
• Income: ITR > Rs 21 Lakhs per annum for self-employed customers

Fees

• Joining Fee : 10,000 +GST
• Renewal Fee: 10,000+ GST; Waived off on previous annual spends on 5Lakhs
  

 What doesn't Work

• High Joining fees. But compensated with membership benefits if you can spend 1.5 Lakhs in 90 days.
  
• RP if converted to cash gives poor value of 1%, but the card isn't designed for rewards rather for its luxurious benefits.
• Too many cap & condition makes it look troublesome. 
  
• Diners club may not be accepted by all merchants.

Verdict

Diners club is a super premium card with host of membership benefits, unlimited lounge access, good for frequent international travelers.