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Diners Club Black

Apply Diners Club Black

Reward Type

LifeStyle

Joining Fee

Nil*

Annual Fee

Nil

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Overview

Housing Development Finance Corporation, more popularly known as HDFC bank, is the top private sector bank in our country today. HDFC bank has its headquarters in Mumbai, Maharashtra. It ranks among the top 5 banks in India and also has the largest market capitalization as of March 2020.

HDFC Bank has introduced many types of credit cards and other customized products that are designed specifically for its target customers. These cards are designed to meet the lifestyle needs of different categories of customers. Fuel credit cards, business credit cards, travel credit cards, super premium credit cards are some of the popular credit cards from HDFC Bank. With an array of benefits and attractive offers for customers, owning the right HDFC credit card can help you enjoy multiple rewards and benefits on your day-to-day expenses.

Let’s check out the features, eligibility requirements and other benefits of the HDFC Diners Club Black Credit Card.

Features and Benefits of Diners Club Black Credit Card

Diners Club Black Credit Card of HDFC Bank is one of the Super Premium Credit Cards issued to its customers. This credit card comes with many attractive offers in terms of welcome gifts or reward points and much more.

The features can be categorized under various categories and the key features in each such category are highlighted below.

Welcome Gifts

The Bank offers complimentary membership with partner companies provided that the annual spending in the previous year of the customer is minimum Rs. 1,50,000. This limit is calculated within the first 90 days of holding the card or from the date of realization of the joining fees.

The customer can get the complimentary membership of any of the following partner entities

  • Club Marriott
  • Forbes Digital subscription
  • Zomato Gold
  • Amazon Prime
  • MakeMyTrip Double Black
  • Times Prime

Rewards

The rewards scheme of Diner Club Black Credit Card is another attractive feature of the card offered by the bank.

The customers can get reward points in the following pattern through this card

  • 5 reward points for every retail transaction of minimum Rs. 150
  • Customers can earn 2x reward points on weekend dining transactions with the partner hotels and restaurants. This is subject to certain terms and conditions as specified by the bank.
  • The customers can redeem their reward points through flight tickets or hotel bookings for up to 70% of the booking value.
  • Another way to redeem points is to redeem it for AirMiles. Customers can redeem the points for AirMiles in the ratio of 1:1 i.e. 1 Reward Point for 1 AirMile with the partners like British Airways Executive Club (Avios), Jet Airways(JPMiles), Singapore Airlines (KrisFlyer Miles), Club Vistara.

Milestones

HDFC offers complimentary memberships to its customers upon achieving specified milestones annually or on a monthly basis. The details of the same are mentioned below.

Type

Milestone Achieved (Transaction Value to be achieved)

Complimentary Benefits offered

Monthly Milestone

Rs. 80,000 in a calendar month

Complimentary membership of any two of following partners

  • Ola Select
  • Cure.fit live 1 month membership
  • BookMyShow
  • TataCLiQ vouchers worth Rs. 500 each

Annual Milestone

Rs. 8,00,000 at the time of completion of one year from holding the card

Complimentary membership of following partners

  • Club Marriott
  • Forbes Digital subscription
  • Zomato Gold
  • Amazon Prime
  • MakeMyTrip Double Black
  • Times Prime

Lifestyle features

The Diners Club Black credit Card Holders also get many lifestyle benefits like

  • Discounts at partner spas, salons or gyms
  • 6 Complimentary golf games per quarter
  •  Concierge services available 24x7 for the Diners Club Black Credit Card holders

Travel and Insurance benefits

The customers are also entitled to several travel as well as insurance benefits under this credit card. The customers can get free and unlimited access to more than 2000 lounges across the globe. This facility is also available on add on cards. The other Insurance benefits include,

  • An air accidental cover of Rs. 2,00,00,000
  • Emergency Medical Insurance Cover of Rs. 50,00,000
  • Travel Insurance Cover towards delay in baggage or loss of baggage of up to Rs.55,000

Eligibility for Diners Club Black Credit Card

HDFC bank has two basic criteria for the customers to be eligible for its Diners Club Black credit Card. These criteria are with respect to the age and the income of the applicant. The details of the same are tabled below.

Criteria

Salaries Applicants

Self Employed Applicants

Age 

  • Minimum 21 years
  • Maximum 60 years
  • Minimum 21 years
  • Maximum 65 years

Income

The net monthly income of the applicant has to be greater than Rs. 1,75,000 per month

The income as per the latest ITR has to be greater than Rs. 21,00,000 per annum

Eligible applicants can apply for the card after submitting the required documents that are a part of the application process.

Documents Required for Diners Club Black Credit Card

The documentation process of the bank to apply for this credit card is very simple. The applicants have to submit basic KYC documents as well their income proof that will authenticate if they meet the eligibility criteria.

The list of documents to be submitted by the applicants is mentioned below.

Identity Proof of the Applicant

The applicant can submit any of the following documents as identity proof

Aadhaar Card

Passport

Voter Id

Driving License, etc.

Address Proof of the Applicant

The applicant can submit any of the following documents as identity proof

Aadhaar Card

Passport

Voter Id

Driving License

Ration Card

Latest Utility Bills

Latest Rent agreement/ Lease Agreement/ Municipal Tax Receipt

Latest Bank Statement

Income Proof of the Applicant

The Income proof of the applicant can be verified by submitting any of the following documents in case of Salaried or Non-salaried applicants as the case may be

Latest ITR

Latest Salary Slips (past 3 months)

Latest Bank Statements (past Three Months)

Recent Passport Size photographs

How to Apply for Diners Club Black Credit Card

Customers can apply for the Diners Club Black Credit card either by visiting the nearest HDFC branch or by making an online application. The customers can also contact the customer care service of the bank for more information regarding the application process or any other query that may have. The documents mentioned above have to be provided along with the duly filled application form irrespective of the mode of application.

The online application process for the said product is highlighted below.

  • The first step is to visit the website of HDFC Bank and to click on the following link to start the application process.

Home Personal Cards Credit Cards Diners Club Black

The link to apply online is available at the bottom of the page displayed from the above link.

  • After clicking on the above link, the customers will be directed to a page where they will have to fill in their basic details like name, email id, mobile number, location (city) and annual income.
  • After filing in the basic details the customers will then have to fill in the Captcha code displayed on the screen and submit the application.
  • Post this, the executives of the bank will contact the applicant (if the applicant is eligible for the card) for further formalities.
  • After fulfilling the same and successful verification of the documents submitted, the applicant will be issued the Diners Club Black Credit Card.

Fees and Charges for Diners Club Black Credit Card

The fees and charges applicable for the Diners Club Black Credit Card are mentioned below.

Particulars

Charge

One time Joining Fees

Rs. 10,000 (excluding taxes)

Renewal fees

Rs. 10,000 (excluding taxes)

  • Renewal fees for the following year waived off in case of annual spending of Rs. 5,00,000 in the previous year.
  • Complimentary Annual Membership Benefits in case of annual spending of Rs. 8,00,000

Interest

  • Free credit period of 50 days
  • Interest charged at 1.99% per month on outstanding amount after deduction of minimum amount due

Additional Card fees

NIL

Minimum Repayment Amount

5% of the amount due or Rs. 200

Cash Advance Limit

40% of the credit limit

Cash Advance Charges

2.5% of the amount withdrawn or Rs. 500, whichever is higher

Charges on Overlimit account

2.5% of the overlimit amount or Rs. 500 (Rs. 550 from 1st September 2020), whichever is higher

Cash Processing Fees

Rs. 100

Railway ticket purchase fees

1% of the transaction amount excluding taxes

Fees for reissue of lost, damaged or stolen card

Rs. 100

Given above are some of the basic charges levied on the card holders by the bank. For a detailed list of the charges and fees, customers can contact the bank via the customer care or by directly visiting the nearest bank branch.

Other than the above charges, the customers are also charged for delay in making the payment of the amount due. The charges for the same are tabled below.

Balance Overdue

Late Payment Fees

Amount due less than Rs. 100

NIL

Rs. 100 – Rs. 500

Rs. 100

Rs. 501 – Rs. 5,000

Rs. 500

Rs. 5,001 – Rs. 10,000

Rs. 600

Rs. 10,001 – Rs. 25,000

Rs. 800

Rs. 25,001 – Rs. 50,000

Rs. 1,100

More than Rs. 50,000

Rs. 1,300

FAQs - Diners Club Black Credit Card

1. What are the renewal charges for the Diners Club Black Credit Card?

The renewal charges for the card are Rs. 10,000 excluding the applicable taxes. The renewal fees for the next year can be waived off in case of annual transactions over Rs. 5,00,000 in the previous year.

2. What is the toll free number for HDFC bank that the customers can use to contact in case of any query related to the cards?

The toll free customer care number of HDFC Bank that the customers can use to contact in case of any information or query related to the cards are,

CityNumber

Ahmedabad

079 61606161

Bangalore

080 61606161

Chandigarh

0172 61606161

Chennai

044 61606161

Cochin

0484 61606161

Delhi and NCR

011 61606161

Hyderabad

040 61606161

Indore

0731 61606161

Jaipur

0141 61606161

Kolkata

033 61606161

Lucknow

0522 61606161

Mumbai

022 61606161

Pune

020 61606161

3. What is the minimum income limit to be eligible for the Diners Club Black Credit Card?

The minimum income requirement of the bank for the customer to be eligible for the said credit card is Rs. 1,75,000 per month in case of salaried individuals and Rs. 21,00,000 per annum in case of self-employed persons.

4. What is the interest charged by the Bank on overdue bill amount of the credit card?

HDFC Bank charges interest at the rate of 1.99% per month on overdue bill amount of the diners Club Black Credit Card.

5. What is the extent to which the customers can redeem the reward points through flight tickets and hotel bookings?

The customers can redeem their reward points through flight tickets or hotel bookings for up to 70% of the booking value.

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