Diners Club Black Credit Card
Issuer: HDFC Bank
Network: Visa | Tier: Premium
The HDFC Diners Club Black Credit Card is a premium offering designed for frequent travelers and high-net-worth individuals. It boasts an exceptional base reward rate of 3.33%, scaling up to 33% via HDFC's SmartBuy. Cardholders enjoy unlimited worldwide airport lounge access for primary and add-on members, a low 2% forex markup, and six complimentary golf games per quarter. Additional perks include comprehensive travel insurance, premium lifestyle memberships like Amazon Prime, and 1:1 reward point redemption for flights and hotels.
Fees & Charges
| Annual Fee | ₹10,000 |
|---|---|
| Joining Fee | ₹10,000 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Rewards & Benefits
| Reward Rate | 5 RP per 150 |
|---|---|
| Welcome Bonus | Welcome benefits |
| Lounge Access | Unlimited lounge |
| Best For | High spenders |
Key Highlights
- Luxury rewards card
- 5 RP per 150
- Unlimited lounge
- Insurance cover
- Milestones
Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 800+
- Minimum income: ₹18
- 00
- 000/year
Minimum Income Required: ₹18,00,000/year
Pros
- Top reward rate
Cons
- High fee
Expert Rating: 4.8/5