HDFC Bank Diners Club Black Credit Card
Joining Fee: ₹10,000 + GST
Renewal Fee: ₹10,000 + GST
Reward Type: Reward Points
Welcome Benefits
Upon spending ₹1.5 lakh within 90 days of card issuance, cardholders receive complimentary annual memberships to:
Amazon Prime,Club Marriott,Forbes,Times Prime,MMT Black,Swiggy One (for 3 months)
Milestone Benefits
Annual Subscription Renewals: Renew your Amazon Prime, Zomato Gold, Times Prime, and other memberships by spending ₹8 lakh annually.
Monthly Vouchers: Choose any 2 vouchers (worth ₹500 each) from Ola Select, Cure.fit Live, BookMyShow, and TATA CLiQ on monthly spends of ₹80,000.
Dining Benefits
Weekend Dining Rewards: Earn 2X Reward Points on dining on weekends.
Club Marriott & Swiggy One Memberships: These memberships are renewed if annual spending exceeds ₹8 lakh.
Travel Benefits
Unlimited Lounge Access: Enjoy unlimited complimentary access to over 1,000 airport lounges globally, for both domestic and international lounges.
Airmiles Conversion: Convert Reward Points to InterMiles, Singapore Airlines AirMiles, and Club Vistara Points (1 Reward Point = 1 Airmile).
Golf Benefits
Complimentary Golf Rounds: Enjoy 6 complimentary golf rounds per quarter at premium courses worldwide.
Insurance Benefits
Accidental Air Death Cover: Coverage up to ₹2 crores.
Medical Emergency Cover: Up to ₹50 lakhs.
Delayed Baggage: Coverage of ₹55,000.
Credit Liability Cover: Up to ₹9 lakhs.
Rewards Structure
General Spend: Earn 5 Reward Points for every ₹150 spent.
Accelerated Rewards on SmartBuy: Earn up to 10X Reward Points on purchases made through the SmartBuy portal.
Weekend Dining: 2X Reward Points on dining during weekends.
Points Validity: Reward Points are valid for 3 years.
Daily & Monthly Caps:
Maximum of 5,000 Reward Points can be earned per day on insurance transactions.
70% of the total payment for flights/hotels booked on SmartBuy can be made through Reward Points.
Reward Redemption
The points earned can be redeemed in various ways, each offering different values:
Flights/Hotels on SmartBuy: 1 Reward Point = ₹1.
Airmiles: 1 Reward Point = 1 Airmile.
Product Catalog: Up to ₹0.50 per Reward Point.
Cashback: ₹0.30 per Reward Point.
Airmile Transfers:
0.5 mile/point: Air Canada Aeroplan, British Airways, Etihad Airways, United Mileage Plus.
1 mile/point: AirAsia Rewards, Accor Live Limitless, Avianca LifeMiles, Finnair Plus, Flying Blue, Hainan Airlines Fortune Wings Club, IHG One Reward, Vietnam Airlines Lotusmiles, Turkish Airlines, Wyndham Rewards.
Finance & Forex Charges
Low Forex Markup: Enjoy a lower foreign currency markup of 1.99% on transactions made in foreign currency.
Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge for transactions above ₹400 (capped at ₹1,000 per statement cycle).
Cash Advance Fee: 2.5% of the withdrawn amount or ₹500 (whichever is higher)
Summary
The
HDFC Bank Diners Club Black Credit Card
is a premium choice for luxury enthusiasts, offering extensive rewards on travel, dining, and shopping. With a joining fee of ₹10,000 + GST (waived on ₹5 lakh annual spend), this card provides complimentary memberships to Amazon Prime, Club Marriott, and more upon spending ₹1.5 lakh within 90 days. Cardholders benefit from unlimited global lounge access, 6 complimentary golf rounds per quarter, and a high rewards rate of 5 points per ₹150 spent, with up to 10X points on SmartBuy purchases. Ideal for frequent travelers, this card maximizes value through its robust rewards structure and exclusive lifestyle perks.