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HDFC Diners Club Black Credit Card Latest Review |CCB

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Hdfc Dinners club credit card is one of the best credit cards when it comes to returns on spending. This card gives you a 3.3% return on all retail purchase and a 33% return on Flight booking through Hdfc Smartbuy Portal.

Although this is one of the best super-premium credit cards in India it may not be your first choice. The reason is, this card is powered by a diners club company that is not highly acceptable as compared to visa or MasterCard. As Diners Club says, all cards are acceptable by 32+ Million merchants in 190 countries still there is a very rare chance, you may face an acceptance issue so for backup please carry a second card.

If you mostly spend on travel then this card must be in your wallet, Because of its 10X reward point on hotel flight and bus booking. 10X Reward point benefits you won’t find in any of its competitor cards. That’s why it is a dream card for every cardholder.

33% Rewards Earning Rate on HDFC Diners Club Black Credit Card.

HDFC Diners Club credit card is a wish for many credit card users because of its 10x rewards point programme. You can earn 10x rewards points on flights, hotels and bus booking from clearTrip, yatra, redbus and Oyo rooms through smartbuy portal. This offer alone makes this card stand above from its competitor and I think it is unbeatable till now.

There are some more exciting reward point offers, listed below.

  • 5X Rewards Points on rail booking.
  • 5X Rewards Points on shopping on Amazon.
  • 3X Rewards Points on shopping on Flipkart.

10x, 5x and 3x rewards points on SmartBuy

You can earn 50 rewards points on every ₹ 150 spends on Yatra, Clertrip, redBus, and OYO via HDFC SmartBuy exclusive portal for Diners Black credit card. Plus you also get 5x and 3x rewards points on shopping on Amazon and Flipkart through smartbuy portal. The maximum Rewards points you can earn in a month is 7500.

1 Reward points value = ₹ 1
In 10x category, You get ₹ 50 back on spend of ₹ 150. That is 33% cashback on spending. In 5x category you get ₹ 25 back on spend of ₹ 150. That is 16.5% cashback on spending. And in 3x category you get ₹ 15 back on spend of ₹ 150. That is 10% cashback on spending.

Think of traveling to your favorite destination at 33% less expenses or purchasing an I Phone Pro at 16.5% extra discount. isn’t it wow?

Regular Rewards Points on HDFC Diners Club black credit card.

Regular Rewards Points- You can earn 5 rewards points for every ₹ 150 spend apart from the 10x rewards category. A 3.3% return on spend, is simply amazing.

Rewards redemption rate and offers.

  • Redeem for Hotel Booking and Air tickets- 1 rewards point is equal to ₹ 1 if you book a ticket or hotel on SmartBuy portal. (For flight booking you can only use upto 70% of rewards point rest you will have to pay via credit cards.)
  • Redeem for cash- 1 rewards point is equal to ₹ 0.30.
  • Redeem from reward catalogue- 1 rewards point is equal to ₹ 0.40.
  • Convert in Air Miles- All rewards points can be converted in 1:1 ratio. Means 1 rewards point equal to 1 Air miles. (Please complete Frequent flyer registration before attempting Airmiles redemption in NetBanking.)

Rewards redemption offers- You can use your points for air ticket booking, hotel booking, convert them into cash or redeem them by choosing from various rewards options in the reward catalogue.

To know more about rewards redemption options please click here.

Feature and benefits of HDFC Diners Club Black Credit Card.

Welcome Gift

As a welcome gift, you will get complimentary annual membership of Club Marriott, Forbes Digital subscription, Zomato Pro, Amazon Prime, MMT Black, and Times Prime.

Welcome gift can be availed only, if you spend 1.5 lac within the 90 days from the card issue date.

Monthly Benefits

If you spend ₹ 80,000 in a month then you can select any 2 benefits amongst 1-month complimentary membership from Ola select or cure fit live or BookMyShow or TataCLiQ vouchers worth ₹ 500.

Again 1.25% back on your spend. In total 4.55% monthly return on your spend. You won’t find this much return in any card in India for just a minimum spend of ₹ 80,000.

Travel Benefits In HDFC Diners Club Black Credit Card.

  • Book Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at SmartBuy Portal. All booking done through SmartBuy portal will consider as revenue booking.
  • Book Airticket/Hotels by using your rewards points. (1 rewards point = ₹ 1)
  • Air accidental death coverage: ₹ 2 Crore.
  • Emergency overseas hospitalisation: ₹ 50 Lacs
  • Credit Liability Cover of up to ₹ 9 Lacs
  • Travel Insurance Cover of up to ₹ 55,000 on baggage delay (Capped to 10$ per hour restricted to 8 hours)

Airport Lounge Access.

  • You get unlimited airport lounge access to 1000+ Lounges in India and worldwide.
  • Lounge access is complimentary for both primary and add-on cardholders.
  • Lounge access via- By swiping your HDFC Diners Club Black Credit Card.

Wellness Benefits.

As an HDFC Bank Diners Club Black Credit Card customer, you get exclusive benefits for your mind, body and soul. Enjoy exclusive discounts at leading spas, salons, gyms etc.

categoryPartner
Spa/ SalonTattva Spa, Enrich Salons & Academy, VLCC, O2 Spa, Four Fountains De-Stress Spa.
Spa ResortRedEarth Kabini, Tree of Life, Shreyas Retreat Bangalore, Neemrana Fort Palace Rajasthan, Tijara Fort Palace Rajasthan, NaturOville Vedic Retreat Rishikesh.
FitnessAnytime Fitness, Kris Gethin.
Nutrition Healthie.
Wellness benefits on HDFC DinersClub Black Credit Card.

Golf Privileges

  • You get complimentary access to the world’s finest golf courses (6 per quarter) worldwide.
  • You can access 18 Golf course in India and 144 Golf course worldwide.
  • For reservation of Golf course and help 24/7 Golf Concierge Assistance services is available for you always.

Concierge service

You will fall in love with this service once you use it. It helps you to save time and enjoy the exciting moments. You know, it is very complicated work to arrange a party. Expenses are not the only things that you have to take care of, apart from expenses there are many more works such as, check booking availability and book restaurant, invite the guest and many more that may give you a headache and ruin your precious movement.

To avoid the stress of management works, you can use the Concierge service so that you never miss your exciting moments.

HDFC’s concierge can be use for these random service.

  • Golf Course Referral and Reservation Assistance
  • Dining Referral and Reservation Assistance
  • Flower and Gift Delivery Assistance
  • Car Rental and Limousine Referral and Assistance
  • Hotel Referral and Reservation Assistance
  • Business Services
  • Courier Service Assistance

Financial Benefits

  • Low Foreign Currency Markup fee of 1.99% + Gst.
  • Convenience fee waiver of 1% on all fuel transactions between ₹ 400 to ₹ 5000 (Maximum waiver of ₹ 1,000 per statement cycle)
  • Pay your credit card due within 50 days without any interest after that you will be charged 1.99% + Gst on balance as interest.

Others Benefits

  • Enjoy 15% off on dining at finest restaurants all over India.
  • Enjoy the world-class experiences in dining from more than 1400 offers in 70 countries with diners club privilege membership.
  • Annual fees of ₹ 10,000 + Gst. will be waived off if you spend ₹ 5 lakhs in a year.
  • All complimentary membership will continue to next year if you spend ₹ 8 lakh in a year.

Fees and Charges

ChargesAmount
Joining fees₹ 10,000 + Gst.
Annual fees₹ 10,000 + Gst.
Cash Advance limit40% of credit card limit.
Cash withdrawal fees2.5% of the withdrawn amount (Minimum ₹ 500)
Late payment chargesLess than ₹ 100 – Nil
₹ 100 to ₹ 500 – ₹ 100
₹ 501 to ₹ 5,000 – ₹ 500
₹ 5,001 to ₹ 10,000 – ₹ 600
₹ 10,001 and ₹ 25,000 – ₹ 800
For more than ₹ 25,000 – ₹ 950
Add-on cards chargesNIL
Rewards redeemption feesNIL
Over limit charges2.5% of the withdrawn amount (Minimum ₹ 500)
Card re-issuance charges ₹ 100

Eligibility criteria for HDFC Diners black credit card.

Salaried

  • Your age must be between 21 to 60 years.
  • Salary should be more than ₹ 1.5 lakh.

Self-employed

  • The minimum age should be 21 and maximum age should be 65.
  • ITR should be more than ₹ 21 lakhs per year.

Apart from that, you need to have your KYC Documents.

Drawbacks

  • Acceptance Issue- Diners Club acceptability increasing day by day but still there are lots of places where Diners Club is not accepted. You must carry a backup card, especially outside India.
  • Fewer Rewards point capping on SmartBuy- If you checked the 10x rewards point capping on SmartBuy is 7500. It was previously 15000 and also Hdfc was giving 25000 reward points earning opportunity via 10x reward partners, that is not available now.

Is HDFC Diners Club Black Credit Card Worth it to apply?

If you are reading this then we are sure that you know the answer. Yes! it is worth it.

Although there is a major drawback of acceptance. Although Diners club is expanding very rapidly, You will still face the acceptance issue in middle east Asia countries and African countries as Dinersclub is not yet available in these countries. To check Dinersclub acceptance avalibility click here.

If acceptance issue is not the problem for you and if you still thinking of having this card or not then let me tell you there is no other card that can give you 33% discounts on travelling, 16.5% and 10% discounts on shopping of almost everything. (There is hardly anything that you cannot find on Amazon or Flipkart.)

You also get a 3.3% return on all your spends plus ₹ 1000 worth monthly voucher on a monthly spend of ₹ 80,000 which increase your return rate by 1.25%. A 4.55% of return for just spending of ₹ 80,000 is simply unbeatable.

Apart from that, you get unlimited lounge access, golf privileges, and lots of annual membership. That makes this card a dream card for every cardholder. So, if you get a chance to have this card, please go for it.

Please share your experience of HDFC Diners Club Black credit card If you have any query or question related to this card or any other card feel free to ask in the comments below.

Do share this article if you think our work can be useful to someone.

Faq for HDFC Diners Club Black Credit Card.

Question- What is a revenue booking and its benefits?

Answer- when you book air ticket or hotel at HDFC SmartBuy portal then it is considered as revenue booking. You get Air miles for these bookings.

Question- Are 10x partners fixed for HDFC Diners Club Black credit card?

Answer- No, 10x partner are changing from time to time. Current 10x partners are ClearTrip, Yatra, Oyo, Redbus.

Question- What is voucher generation charge on HDFC Diners Club Black credit card?

Answer- You will have to pay ₹ 99 for voucher generation.

Question- How much point I can redeem for the air ticket and hotel booking?

Answer- You can pay up to 70% of booking price via rewards points and you can redeem your 100% points to pay.

Question- What will happen to my Diners Club black 10x points if I upgrade to HDFC Infinia Card?

Answer- all your rewards point will be credited to Infinia card if you get an upgrade to Infinia as both cards are linked in the backend.

Question- What is the rewards points validity of HDFC Diners Club Black credit card?

Answer- All rewards points are valid for 3 years.