HDFC Diners Club Black Credit Card: The HDFC Diners Club Black Credit Card, one of the credit card in super-premium category and the other one is HDFC Bank Infinia Credit card. The credit card is considered among the best premium credit cards, as the name suggest the card offers its users a fine dining experience.
The credit card offers privileges in other categories as well not just dining benefits i.e., airport lounge access, complimentary rounds of golf i.e., destinations worldwide, shopping and travel-centric benefits as well and many more. HDFC Diners Club Black Credit Card also comes with a high reward rate and is a great choice for high-spenders.
Therefore, in this article we are going to see the features and benefits of the HDFC Bank Diners Club Black Credit Card and eligibility and how to apply for the same.
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1. HDFC Diners Club Black Credit Card Features and Benefits
The HDFC Diners Club Black Credit Card comes with a great reward points and several other benefits across different categories such as, dining, travel, golf, shopping and many more.
Here we have mentioned the features and benefits offered by the HDFC Diners Club Black Credit Card:
- Welcome Benefits: As a Welcome Benefit, on spending 1.5 lakhs you get a complimentary annual memberships of Amazon Prime, Club Marriott, Forbes, Swiggy One, MMT BLACK, and Times Prime within the first 90 days of credit card issuance date or upon realization of the joining fee. And, these memberships will be renewed every year on spending Rs. 8 Lakh in a year.
- Milestone Benefits: On monthly spends of Rs. 80,000, any 2 of the following monthly vouchers i.e., Ola Select, a cure.fit Live, BookMyShow, and TATA CLiQ (worth Rs. 500 each).
- Dining Benefits: As a Dining Benefits, on weekend dining get 2X Reward Points, and get a complimentary annual membership of Club Marriott and Swiggy One (3 months) and which will be renewed if the cardholders spends an amount increasing Rs. 8 Lakhs in an anniversary year.
- Travel Benefits: As a travel benefits, you get unlimited complimentary access to the international and domestic lounges and can earn reward points for InterMiles, Singapore Airlines AirMiles, and Club Vistara Points.
- Golf Privileges: As a Golf Benefit, you get 6 complimentary golf rounds every calendar quarter across the finest golf courses globally.
- Insurance Benefits: With this Credit Card, you get insurance benefits, including travel insurance, air accident cover worth Rs. 2 crores, Medical emergency cover worth upto Rs. 50 lakhs, Delayed Baggage worth Rs. 55,000 and Credit liability worth Rs. 9 lakhs.
- Low Foreign Currency Markup: A lower foreign currency markup of 1.99% on foreign currency transactions.
- Fuel Surcharge Waiver: On your fuel transactions minimum of Rs. 400, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 1,000 per statement cycle.
2. HDFC Diners Club Black Credit Card Fees and Charges:
- The Joining fee charges are- Rs. 10,000.
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 10,000.
- The Cash withdrawal fee, is 2.5% of the withdrawn amount i.e., minimum Rs.500.
- An interest rate of 1.99% per month (23.8% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 1.99% (plus applicable taxes) on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: For a total amount due less than Rs. 100 – Nil, Between Rs. 100 and Rs. 500 – Rs. 100, Between Rs. 501 and Rs. 1,000 – Rs. 500, Between Rs. 1,001 and Rs. 5,000 – Rs. 600, Between Rs. 5,001 and Rs. 10,000 – Rs. 750, Between Rs. 10,001 and Rs. 25,000 – Rs. 900, Between Rs. 25,001 and Rs. 50,000 – Rs. 1100 and More than Rs. 50,000 – Rs. 1300.
3. HDFC Diners Club Black Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for HDFC Diners Club Black Credit Card are as follows:
- The age limit for applying for this card is 21-60 years of age for salaried applicants and 21-65 years of age for self-employed applicants.
- The cardholder should be an Indian resident.
- The cardholder should earn either through salary with monthly income more than Rs.1.75 lakh or through self-employed with minimum Income Tax Returns of Rs.21 lakh per annum.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for HDFC Diners Club Black Credit Card:
For HDFC Diners Club Black credit card you can apply either online or offline. For offline mode, you can visit your nearest HDFC Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your HDFC Diners Club Black credit card:
- Step 1: Visit Official website of the HDFC Bank- www.hdfcbank.com
- Step 2: Click on ‘Cards’ option, under personal Banking section.
- Step 3: Then, select ‘Credit Card’ option.
- Step 4: Next, you will be redirected to the credit cards page of the bank where all the cards have been categorized under different sections.
- Step 5: choose the ‘HDFC Diners Club Black Credit Card’, under ‘other credit cards’ option.
- Step 6: Click on ‘Apply Now’.
- Step 7: Enter your mobile number and captcha to start the application, and all the requested details and providing the required documents.
This the way in which you can apply for HDFC Diners Club Black credit card online.
Also Check, HDFC Bank Infinia Credit Card
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