HDFC Bank Diners Club Black Credit Card Review

The hdfc bank diners club black credit card is one of the most premium credit cards from HDFC Bank. This card comes with a lower hdfc credit card 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 offers on hdfc diners club credit card.

How does the hdfc bank diners club black credit card eligibility work?

  • Resident Type: Indian. 
  • HDFC credit card eligibility for salary account:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 1.75 lakh (monthly)
  • HDFC credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 21 lakh (Annually)
  • A good CIBIL score (Above 750) is mandatory to get a higher hdfc bank diners club black credit card limit

You can apply for this card from the hdfc bank diners club black credit card apply online portal, once your hdfc credit card application form is submitted successfully, you will get a unique application id. You can use that to track your hdfc credit card application status online.

What documents are required to apply for the hdfc diners club black credit card?

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income Tax return.  
      • Proof of business
      • Recent audited financial report.

What are the HDFC diners club black credit card fees?

  • HDFC bank diners black credit card joining fee: Rs. 10,000 + GST
  • HDFC credit card annual fee: Rs. 10,000 + GST

What are the hdfc bank diners club black credit card benefits?

  • Get started with a huge joining bonus:

As you pay your hdfc credit card annual fee and spend Rs. 1.5 lakh within the first 90 days of your new diners black credit card activation, you will get free annual memberships of Amazon Prime, Club Marriott, Forbes, Zomato Pro, etc. as an HDFC credit card welcome offer.

  • Make every transaction rewarding:

Category of transaction

Rate of earning hdfc credit card points
Spends made via hdfc credit card smartbuy portal 10x hdfc rewards per Rs.150 transaction
All other retail transactions 5 hdfc points per Rs.150 transaction

No hdfc reward points are offered for wallet load, fuel transactions, purchases made in EMI, etc. You can use your points for hotel booking, and flight tickets, also you can choose among several categories listed in the hdfc credit card points catalogue.

  • Add comfort to your travel:

With this hdfc credit card airport lounge access will be free for you. As you will get unlimited free access to 1000+ domestic and international airport lounges in the world.

  • Enjoy exclusive deals on golf games:

This hdfc credit card diners club offers 6 free quarterly golf rounds at some of the most premium golf courses in the world. You will also get a dedicated golf concierge service with this card. There are no additional hdfc credit card service charges applicable to it. 

  • Enjoy freedom from fuel surcharges:

This hdfc diners credit card features a 1% waiver on fuel purchases made with this card, you can earn a maximum waiver of Rs. 1000 in a hdfc credit card billing cycle. The transaction amount should be between Rs. 400 to Rs. 5000.

  • Complimentary hdfc credit card insurance coverage:

If something goes wrong, the hdfc diners club credit card can stand for you with its built-in hdfc credit card insurance coverage. 


Total coverage amount

Air accidental death coverage Rs.2 Cr.
Emergency hospitalization coverage Rs. 50 lakh
Delay in checked baggage Rs.55,000 (up to 10$/hour for up to 8 hours)
Lost card liability coverage Rs.9 Lakh.

If your hdfc diners card gets lost, you should block it as soon as you can to prevent losses. If you don’t know how to block hdfc credit card then visit our HDFC credit card FAQs page to get detailed instructions. 

  • Enjoy lifestyle benefits like never before:

It is a dream Credit card for Indians looking for lifestyle benefits, this hdfc credit card offers a special hdfc credit card discount at some major spas, gyms, fitness centers, etc. including – DE-Stress Spa, O2 Spa, VLCC, Gold’s Gym, Cult. fit, and lots more. 

  • Earn attractive benefits on milestone spendings:

Total spend 

Total benefits

Rs.5 lakh within a year A complete waiver on your hdfc diners club credit card annual fee
Rs.80,000 within a month Any 2 vouchers from Cure Fit one month membership, Ola Select, Book My Show or TaTaCliQ vouchers. Each hdfc credit card gift voucher is worth Rs. 500.
  • Enjoy the convenience of contactless payment facility:

These hdfc diners black credit card is equipped with an advanced contactless payment facility. This feature allows you to make payments just by placing your hdfc contactless credit card over any contactless-enabled POS machine. You can control the contactless payment option from your net banking account, click here to go to the hdfc bank diners club black credit card login page.

What are the hdfc credit card charges?


Payable amount

HDFC credit card cash withdrawal charge 2.5% against the withdrawn amount (check your available hdfc bank diners club black credit card withdrawal limit before making a withdrawal)
HDFC credit card finance charges 1.99% monthly (applicable if your hdfc bank credit card bill payment is not done within the due date)
HDFC diners club international credit card transaction charges 1.99% against the transaction amount.
HDFC add on credit card charges Free for a lifetime

How to contact the hdfc diners club credit card customer care department?

  • Call the hdfc diners club credit card customer care phone number: 1800-118-887 or 022-4232-0226
  • Write to the hdfc credit card customer care mail id:  

100xGain Ratings: 


Pros and cons of the hdfc bank diners club credit card:



  • This diners credit card offers a very impressive reward earning rate.
  • You can enjoy free access to the domestic and international airport lounges.
  • You will also get some complimentary golf rounds with this diners black hdfc credit card.
  • The diners black credit card annual fee seems a bit high.

Final Opinion:

The hdfc bank diners club black credit card is best suited for frequent travelers, this card offers exclusive benefits like free lounge access, free golf rounds, and powerful rewards that can be used to get something from the reward catalogue for hdfc bank diners club black credit cards. All these benefits can save you a lot of money every year. 

This hdfc diners 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 hdfc diners club credit card acceptance issue.

Otherwise, it is one of the best credit cards that you can get in India. But if you are not satisfied with the benefits, then you can take a look at the alternative card options given below.

Alternative cards of the hdfc diners black credit card

  1. Axis bank reserve credit card (Best for reward point and lounge access)
  2. HDFC bank diners club privilege credit card (Best for reward points, lounge access, and golf)
  3. ICICI rubyx credit card against fixed deposit (Best for reward point and golf)






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