HDFC Bank Diners Club Black Credit Card Review

HDFC Bank Diners Club Black Credit Card is one of the most premium credit cards from HDFC Bank. This card comes with a lower interest rate and several premium benefits like exclusive reward benefit, unlimited free lounge access, free golf rounds, insurance coverage, lost card liability coverage, and lots more. Go through the article to know more about the card.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹1.75 lakh (monthly)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹21 lakh (Annually)
  • Good CIBIL score (Above 750). 
  • Good relation with the bank.

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip. (3 months) 
      • ITR
    • Self-employed person
      • Latest Income Tax return.  
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹10,000 + GST
  • Annual Fee: ₹10,000 + GST 


  • Welcome benefit:

On paying the annual fee of the card and spending ₹1.5 lakh within the first 90 days of the card activation, you will get free annual membership of Amazon Prime, Club Marriott, Forbes, Zomato Pro, etc. as a welcome gift. 

  • Reward benefits:

With this card, you will get 5 reward points for each ₹150 transactions, except on fuel. 

You can redeem the earned reward points very easily for hotel booking, flight tickets, also you can choose among several categories listed in the reward catalog. 

The reward points are valid for 3 years max, and 1 reward points = ₹1

You cannot earn any reward points for wallet load, fuel transactions, and purchases made in EMI.  

  • Lounge access:

You will enjoy unlimited free access to 1000+ domestic and international airport lounges in the world.  

  • Golf access:

You will have 6 free golf rounds per quarter at the most premium golf courses in the world. You will also get a dedicated golf concierge service with this card. 

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel purchases made with this card, you can earn a maximum waiver of ₹1000 in a statement cycle. The transaction amount should be between ₹400 to ₹5000. 

  • Insurance coverage:

In case of air accidental death, your family will get a coverage of ₹2 Crore. And in case of emergency overseas hospitalization, it covers your cost up to ₹50 lakh. 

For any baggage delay, it covers up to INR 55,000(Capped to 10$ per hour restricted to 8 hours).

  • Lost card Liability Coverage: 

This card comes with lost card liability coverage of ₹9 lakh.  

  • Lifestyle benefits:

It is a dream Credit card for those who are looking for lifestyle benefits, this card offers special discounts at some major spas, gyms, fitness centers, etc. including – DE-Stress Spa, O2 Spa, VLCC, Golds Gym,, and lots more.   

  • Annual fee waiver:

If you can spend ₹5 lakh within a year then the annual fee for the next year will be waived off. 

  • Monthly benefits:

If you can spend ₹80,000 within a month with your card, then you can select any 2 vouchers from Cure Fit or Ola Select Membership for one month and Book My Show or TaTaCliQ. Each voucher worth ₹500,

  • Contactless Payment:

This card comes with a contactless payment facility, so you don’t need to hand over your card at counters to make payments. It reduces the risk of misplaced or lost cards.


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount.
  • Finance Charge: 1.99% monthly. 
  • Foreign currency transaction: 1.99% against the transaction amount. 

Contact Details:

Call: 1800-118-887


Mail: [email protected] 

Dispute Resolution Process:

100xGain Ratings: 8.5/10

Final Opinion:

HDFC Diners Club Black Credit Card is best suited for frequent travelers, this card offers exclusive benefits like free lounge access, free golf rounds, 5 reward points for every 150 transactions, and lots more. All these benefits can save you a lot of money every year. 

HDFC Diners Club Black Credit Card can be beneficial for almost everyone who can afford it. Its awesome and exclusive benefits make it very popular among credit card users, and if there are some drawbacks to this card, it will be the acceptance issue of Diners Club credit cards. Otherwise, it is one of the best credit cards available in India

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