Overview
In the dynamic world of credit cards, the HDFC Diners Black Credit Card stands out as a true game-changer. In this comprehensive review, we will delve deep into the specifics, rewards, and benefits that make this card an exceptional choice for discerning cardholders.
Contents
Fees
| Joining Fees | Rs. 10,000 + GST |
| Joining Benefits | 5000 reward points |
| Renewal Fees | Rs. 10,000 + GST |
| Renewal Benefits | NIL |
| Renewal fee waiver criteria | Annual spending of Rs. 5,00,000 and above |
Unbeatable Reward Rate
When it comes to rewards, the HDFC Diners Black Credit Card is in a league of its own. With an impressive base reward rate of 3.3%, this card offers substantial savings on all your retail expenditures. For every Rs. 150 spent, you earn 5 reward points, each equivalent to Re. 1. This means that regardless of where you use your card, you save a significant sum in the form of reward points.
But wait, there’s more! This card comes with an exclusive offer that takes your savings to a whole new level. Thanks to its 10X partners and the SmartBuy feature, you can enjoy an astonishing 33% reward rate. Imagine spending INR 50,000 on 10X partners and saving approximately INR 16,500. This extraordinary savings potential sets the HDFC Diners Black Credit Card apart from the competition.
Unlimited Lounge Access
For avid travellers, this credit card offers an invaluable perk – unlimited access to airport lounges worldwide, be it domestic or international travel. What’s even more convenient is that you don’t need a separate Priority Pass card. Your HDFC Diners Black Credit Card serves as your golden ticket to relaxation and comfort at airport lounges.
Monthly Milestone Benefits
On monthly spends of Rs. 80,000, 2 vouchers from BookMyShow or TataCLiQ worth Rs. 500 or Ola Select membership or cure. fit Live 1-month membership each can be redeemed.
Monthly milestone benefits on the HDFC Diners Black Credit Card can be redeemed by calling 1800 118 887 or visiting Posh Vine.
| Benefit | Savings |
| Monthly voucher worth Rs. 500 | Rs. 6,000 |
| Complimentary memberships on spending Rs. 8 Lakh in a year: Club Marriott Rs. 14,000 Forbes Rs. 1,418 Amazon Prime Rs. 1,499 Swiggy One Rs. 899 MMT BLACK Rs. 1,499 | Rs. 19,315 |
| Renewal fee waiver on spending Rs. 5 Lakh in a year | Rs. 10,000 |
| Total | Rs. 35,315 |
Golf Privileges
For golf enthusiasts, the HDFC Diners Black Credit Card extends a special advantage. You can enjoy complimentary golf lessons, including a Green Fee Waiver, at nearly 20 golf courses in India and over 40 courses worldwide.
With a limit of 6 complimentary golf games (Green fee waiver) per quarter, you can indulge in your favourite sport without any additional costs.
Higher Credit Limit
One notable aspect of the HDFC Diners Club Black credit card is its substantial credit limit, starting at 4 lakhs. Typically, cardholders enjoy limits ranging from 4 to 8 lakhs, providing the flexibility and purchasing power you desire.
The card can also be obtained against a fixed deposit. The limit of such FD lined card would be typically 90% of the FD amount. The minimum FD required for this route would be Rs. 4.5 Lakh.
Reward Point Redemptions
The reward points you accumulate with this card can be used for various purposes. You have the option to use them to book flights and hotels through the HDFC Diners Club website or transfer them to airline partners at a 1:1 ratio to redeem tickets or stay.
Cash / Statement credit redemption is processed at Re. 0.25 / reward point.
The Bottom Line
HDFC Diners Black Credit Card Review
Summary
In summary, the HDFC Diners Black Credit Card is the epitome of rewarding credit card experiences. With the ability to save up to 33% on your travel and shopping expenses, it’s a coveted card for every Indian credit card holder. While it’s true that the Diners Club network may have some acceptance issues in certain places, the benefits and savings offered by this card make it an unparalleled choice.
This is a helpful and educational post. Thanks to your straightforward writing, I understand this clearly now.
Thanks 😊
Can you please tell me if government payments like TDS, income tax and NPS payments on HDFC diners club black credit card will be considered for annual fee waiver of 5 lakh spends?
They are considered
also if you have missed the 5 Lakh milestone by around 50-75k you could mail them for waiver. Don’t try the RM / customer care route.