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HDFC Diners Black Credit Card Review: Eligibility, Features and Benefits

If you are looking for a premium credit card that offers you unparalleled rewards, lounge access, travel benefits and more, then you might want to consider the HDFC Diners Black Credit Card. This card is one of the most sought-after cards in India, and for good reasons. In this blog post, we will review the HDFC Diners Black Credit Card in terms of its eligibility criteria, features and benefits, and help you decide if it is the right card for you.


Eligibility Criteria


To apply for the HDFC Diners Black Credit Card, you need to meet the following eligibility criteria:


- You should be a resident of India

- You should be at least 21 years old and not more than 60 years old

- You should have a good credit score and a clean credit history

- You should have a minimum monthly income of Rs. 1.75 lakhs (for salaried individuals) or Rs. 21 lakhs per annum (for self-employed individuals)


Features and Benefits


The HDFC Diners Black Credit Card comes with a host of features and benefits that make it a rewarding choice for frequent travellers, shoppers and diners. Some of the key features and benefits are:


- Reward Points: You can earn 5 reward points for every Rs. 150 spent on retail purchases, except for fuel transactions. You can also earn 10X reward points on partner brands such as Amazon, Flipkart, Myntra, BookMyShow, Swiggy and more. You can redeem your reward points for air miles, hotel bookings, gift vouchers and more. The best part is that your reward points never expire.

- Lounge Access: You can enjoy unlimited complimentary access to over 800 airport lounges across the world with your HDFC Diners Black Credit Card. You can also access select domestic railway lounges in India. You can also get a complimentary membership to Club Marriott, which gives you up to 20% off on dining and up to 15% off on stays at participating Marriott hotels in Asia Pacific.

- Travel Benefits: You can get up to Rs. 2 lakhs worth of air accident cover, up to Rs. 50,000 worth of emergency medical expenses cover, up to Rs. 9,000 worth of baggage delay cover and up to Rs. 55,000 worth of travel insurance cover with your HDFC Diners Black Credit Card. You can also get up to 6 complimentary golf games per quarter at select golf courses in India and abroad.

- Lifestyle Benefits: You can get up to 15% off on dining at over 3,000 restaurants across India with your HDFC Diners Black Credit Card. You can also get up to 50% off on movie tickets booked through BookMyShow or INOX, up to a maximum of Rs. 500 per month. You can also get access to exclusive events and experiences curated by HDFC Bank.

- Annual Fee Waiver: The HDFC Diners Black Credit Card comes with an annual fee of Rs. 10,000 plus GST. However, you can get this fee waived off if you spend Rs. 5 lakhs or more in a year.


Conclusion


The HDFC Diners Black Credit Card is a great option for anyone who wants to enjoy premium benefits and rewards on their spending. It is especially suitable for those who travel frequently and like to indulge in dining and entertainment. However, it is also a high-end card that requires a high income and credit score to qualify for. Therefore, you should weigh the pros and cons of this card before applying for it.

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