
The Diners Club Black credit card is a premium rewards credit card designed for frequent travelers and high-end spenders.
It offers a generous rewards program with 3X points on air travel and hotels, and 1X point on all other purchases.
The card has no foreign transaction fees, making it a great choice for international travel.
To qualify for the card, you typically need to have a good credit score and a significant income.
Key Information
The Diners Club Black credit card offers a generous rewards program, with cardholders earning 3 points for every dollar spent on dining, 1 point for every dollar spent on other purchases, and a 1:1 point transfer ratio to airline miles.
Cardholders can redeem their points for travel, merchandise, or cash back, with a minimum redemption threshold of 3,000 points.
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Key Highlights
The HDFC Diners Club Black Credit Card has some amazing benefits. You can enjoy complimentary golf games at golf courses in India and abroad.

With this credit card, you'll get an annual membership to several popular services, including Amazon Prime, Forbes, Club Marriott, Times Prime, MMT Black, and Swiggy One, all on a complimentary basis.
You'll also receive complimentary vouchers worth up to Rs.80,000 from brands like Ola Cabs, BookMyShow, TATACliQ, and cult.fit Live.
The card also offers a great rewards program, where you can earn 5x reward points for every Rs.150 spent.
Online Application Guide
Applying for the HDFC Diners Club Black Credit Card online is a straightforward process that can be completed on the BankBazaar website. You can upload required documents directly, speeding up the application process.
To get started, click the 'Check Eligibility' button on the HDFC Diners Club Black Credit Card page. This will help you determine if you're eligible for the card.
If you're eligible, you'll be redirected to the online credit card application page. From there, simply enter the necessary details and click 'Submit'.
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Next, you'll be prompted to upload the required documents, after which you'll need to click 'Submit' again. This will generate an application number that you can use to track the status of your application.
You can also use this application number to check the status of your credit card application by clicking 'Track Application' on the BankBazaar website.
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Benefits and Features
The HDFC Bank Diners Club Black Credit Card is a premium credit card that offers a wide range of benefits and features. You can earn 5 Reward Points for every Rs.150 spent, which can be redeemed for various rewards such as flight tickets, hotel bookings, or cashbacks.
One of the key benefits of this card is the complimentary annual memberships, including Club Marriott, Forbes, Amazon Prime, MMT BLACK, Swiggy One, and Times Prime. These memberships can add tremendous value to your lifestyle and provide exclusive benefits.
You can also enjoy double Reward Points on weekend dining spends, making it an ideal card for foodies. Additionally, you get 10X Reward Points on all partner brands, which can help you earn rewards faster.
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The card also offers a 1% waiver on fuel surcharge on transactions over Rs.400, making it a great option for frequent travelers. You can also book air tickets or make hotel reservations across 150 airlines and hotels (international as well as domestic) using the card.
Here are some of the key benefits and features of the HDFC Bank Diners Club Black Credit Card:
The card also offers a range of insurance benefits, including air accidental death coverage of Rs.2 crore, credit liability cover of up to Rs.9 lakh, emergency overseas hospitalisation of Rs.50 lakh, and travel insurance over of up to Rs.55,000 on baggage delay.
Overall, the HDFC Bank Diners Club Black Credit Card is a great option for those who want to enjoy a premium lifestyle with exclusive benefits and rewards.
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Pros and Cons
The HDFC Bank Diners Club Black Credit Card has its share of advantages and disadvantages. The joining and renewal fee is a significant Rs. 10,000 + GST each, which may be a deterrent for some.
However, this card offers a lot of value in return, including complimentary memberships. You can also enjoy a generous rewards rate, travel benefits, and golf benefits.
Some of the key pros and cons of this card can be summarized as follows:
- Complimentary memberships
- Generous rewards rate
- Travel and golf benefits
It's worth noting that the high joining and renewal fee may offset some of the benefits, and you'll also pay a higher foreign currency markup.
Fees, Pros, and Cons:
The HDFC Bank Diners Club Black Credit Card comes with a hefty joining and renewal fee of Rs. 10,000 + GST each, which is a significant upfront cost.
This fee is a reflection of the card's premium nature, but it's essential to weigh it against the benefits you'll receive.
The joining and renewal fee is a one-time cost, but it's worth considering whether the rewards and perks will make up for it.
Here are some of the key pros and cons of the HDFC Bank Diners Club Black Credit Card:
- Complimentary memberships
- Generous rewards rate
- Travel and golf benefits
On the other hand, some of the cons of the card include a higher foreign currency markup and the high joining and renewal fee.
Tips for Maximizing Approval Chances

To increase your chances of getting approved for a credit card, it's essential to review the basic eligibility requirements. This includes checking your age, income, and credit score.
Reviewing the eligibility criteria will save you time and effort in the long run. You can find this information on the credit card issuer's website or by contacting their customer service.
Emphasize your spending habits, particularly in categories like travel, dining, and shopping, which align with the card's benefits. This will help you demonstrate suitability for the card.
To do this, keep track of your spending in these categories and be prepared to explain how they align with the card's benefits.
Here are the key steps to maximize your approval chances:
- Check Eligibility Criteria: Review the basic eligibility requirements, including age, income, and credit score.
- Highlight Spending Habits: Emphasize your spending habits in categories like travel, dining, and shopping.
- Utilize Welcome Benefits: Leverage the welcome benefits by meeting the spending criteria within the specified timeframe.
Rating & Reviews
This credit card is perfect for high-net-worth individuals who want it all.
The HDFC Diners Club Black Credit Card has a high annual fee, so it's not for everyone. However, for those who can afford it, the benefits are well worth the cost.
If you're a high-spender who travels frequently, this card may be a great choice. It offers exclusive travel and lifestyle benefits that are hard to find elsewhere.
But if you're not a big spender or don't travel often, you might want to look elsewhere. Cards like the Axis Bank Magnus Credit Card and the SBI Elite Credit Card might be a better fit.
Overall, the HDFC Diners Club Black Credit Card is a premium product that's worth considering if you can afford it.
Worth It?
Whether or not the HDFC Diners Club Black Credit Card is worth it depends on your individual needs and spending habits.
If you're a high-spender who travels frequently, this card may be worth the high annual fee. The card offers exclusive lifestyle benefits, making it a good fit for those who value such perks.
However, if you're not a big spender or don't travel frequently, you may want to consider a different credit card with a lower annual fee and more widespread acceptance.
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How to Apply

If you're interested in applying for the HDFC Diners Club Black Credit Card, you can do so on the BankBazaar website.
You can also check your eligibility for the card by clicking the 'Check Eligibility' button on the HDFC Diners Club Black Credit Card page.
To apply online, follow these steps: click 'Check Eligibility', submit your application, upload required documents, and click 'Submit'.
Once your form and documents are submitted, you'll receive an application number to track the status of your credit card application.
Alternatively, you can also apply for the card by visiting the official website of HDFC bank.
If you're applying for the HDFC Diners Club Black Metal Credit Card, go to the HDFC Bank website, click on the Credit Cards tab, and then click on the Diners Club Black Metal Edition credit card.
Next, click on the Apply Now button and fill in the application form.
You'll need to submit the form and wait for further instructions.
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Is It Worth It?

Whether or not a credit card is worth it depends on your individual needs and spending habits.
If you're a high-spender who travels frequently and enjoys exclusive lifestyle benefits, a card with a high annual fee might be worth it.
The HDFC Diners Club Black Credit Card and its Metal edition have the same joining and annual charges, but the Metal version offers better milestone benefits.
To get the annual fee waived on the Diners Club Black, you need to spend ₹5 lakh in 12 months, while the Diners Club Black Metal edition requires ₹8 lakh in spending.
If you're not a big spender or don't travel frequently, a card with a lower annual fee and more widespread acceptance might be a better choice.
Whether you're considering the HDFC Diners Club Black or the Metal edition, it's essential to weigh the costs against your benefits and spending habits.
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Who Should Get It?
If you're considering the HDFC Diners Club Black Credit Card, you should ask yourself if you appreciate luxury travel, fine dining, and exclusive shopping experiences. The card is perfect for individuals who value these perks.
High-spenders who can maximize the rewards and benefits offered by the card will find it worthwhile. The card's high reward rate and exclusive travel and lifestyle benefits make it a great choice for those who can take advantage of them.
Here are some types of people who should consider getting the HDFC Diners Club Black Credit Card:
- High-spenders
- Travellers
- Lifestyle enthusiasts
If you're not a high-spender, traveller, or lifestyle enthusiast, you may want to consider a different credit card with a lower annual fee and more widespread acceptance.
Eligibility
To be eligible for this program, you must be at least 18 years old. This age requirement is in place to ensure that participants have the necessary maturity and independence to fully engage with the program.
The program is open to individuals with a minimum of a high school diploma or equivalent. This educational requirement helps to ensure that participants have a solid foundation in the skills and knowledge needed to succeed in the program.
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You must also be a resident of the United States to be eligible. This residency requirement helps to ensure that participants are familiar with the local laws and regulations that govern the program.
Individuals with a felony conviction may be eligible, but a background check will be required. This is to ensure that participants are safe and trustworthy.
The program is not limited to individuals with a certain income level. Anyone who meets the age, education, and residency requirements is eligible to apply.
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Who Should Get?
If you're considering applying for the HDFC Diners Club Black Credit Card, you should be a high-spenders who can maximize the rewards and benefits offered by the card.
High-spenders will appreciate the high reward rate and exclusive travel and lifestyle benefits that make the high annual fee worthwhile.
Travellers will enjoy the complimentary travel insurance, airport lounge access, and discounts on airlines and hotels that make your travel experiences more enjoyable and affordable.

Business executives and wealthy individuals who frequently travel for work and enjoy staying at luxury hotels will appreciate the exclusive access to airport lounges and travel insurance benefits offered by the HDFC Diners Club Black Metal Credit Card.
Here are some people who should consider getting the HDFC Diners Club Black Credit Card:
- High-spenders
- Travellers
- Lifestyle enthusiasts
- Business executives who frequently travel for work
- Wealthy individuals who relish fine dining, golfing, and other luxurious experiences
Frequently Asked Questions
Can I get diners black for free?
Yes, you can get Diners Club Black for free by spending Rs. 1.5 lakhs within the first 90 days. This offer provides a complimentary annual membership.
What is the Diners Club credit card?
Diners Club International is a charge card company that offers a premium credit card for well-travelled and affluent customers. Founded in 1950, it's the world's first independent credit card company with operations in 59 countries.
Sources
- https://www.bankbazaar.com/credit-card/hdfc-diners-club-black-credit-card.html
- https://www.linkedin.com/pulse/hdfc-bank-diners-club-black-credit-card-bn-seth-35ubf
- https://select.finology.in/credit-card/hdfc-diners-club-black-credit-card
- https://www.antworksmoney.com/blog/hdfc-bank-diners-club-black-credit-card/
- https://select.finology.in/credit-card/hdfc-bank-diners-club-black-metal-edition-credit-card
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