Hands on with HDFC Bank Diners Club Black Credit Card

By | July 30, 2016

Its been a while since i’ve been holding HDFC Business Regalia and i wanted to upgrade my card to the topmost version which is Infinia. However, as the requirements are pretty high for Infinia, i never gave a try, rather went for Diners Club Black as it has lucrative 10X reward points and unlimited lounge access across the globe, which appears to be best choice as i’m traveling quite often both for business & leisure these days.

HDFC Diners Club Black Welcome Kit

HDFC Diners Club Black Welcome Kit

HDFC Diners Club Black Credit Card Approval & the Kit

Applied for Diners Club Black card on one fine day and got the card approved after chasing for a while. It didn’t take long as my usage was pretty decent on my Regalia, added to that my relationship with HDFC is pretty good, hence they don’t have a reason to reject. Once approved, it got delivered in a week. The welcome kit came with,

  • Diners Black catalog
  • Insurance cover docs
  • Shopping vouchers like Kenneth Cole, Brooks & brothers, etc (nothing exciting)
  • Terms & Conditions docs and
  • The Diners Black CARD with Add-on Cards
diners club black catalog

Diners Club Black Catalog & shopping Vouchers (inside the Sandal cover)

The CARD: Map on the card shines a bit while you hold it near bright light else it will appear to be full black. It has Discover and Pulse logo on the backside of the card. Which means the card is accepted in discover/pulse terminals and payment gateways, like Paypal. Here’s how it looks:

My HDFC Diners Club Black Credit Card (India)

My HDFC Diners Club Black Credit Card (India)

I’ve requested for Add-On cards for my family hence it came with the same kit. Add-On Cards gonna be useful with Diners Black as it has unlimited complimentary lounge visits in any part of the world. It might help some day or other when i take my family for a holiday.

While i received the card, within a week, there came the big news on Diners Club 10X Rewards Programme changes. Doesn’t matter much for Black card though, at-least for my level of usage. Hoping to have a great time with its rewards programme as its gonna give me more points for booking flight tickets, hotels and shopping with their preferred partners.

Update: I thought to update this thread due to overwhelming response/emails about this card. I understand everyone wanna get the top tier card. All you need to do is, hold a high relationship value with the Bank with nice usage on your old card. Once done, get in touch with your branch directly.

You may still contact me for a personal consultation/advice on how to get Diners Black Credit Card. Or, do you hold the Diners Black card already? Share your experience in comments below.

Author: Siddharth

I'm a Credit Card freak minting reward points and cashback for years. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

161 thoughts on “Hands on with HDFC Bank Diners Club Black Credit Card

  1. SriKrsna

    Congrats Sid!!
    Share more on your experience with this card after you use it for a while.

    Reply
  2. Captain Bishuddha Bharatiya

    That is amazing Siddhart. Lots and lots of congratulations to you. I am very excited. Please answer some of my questions.
    1.Could you please tell that how much was your average monthly spends on Regalia ?
    2. For how many months you had Regalia before switching to Diners Club Black Card ?
    3. Which credit card of HDFC you had before Regalia ?
    4. Exactly what relationship you have wih HDFC. I am a Preferred Customer of HDFC. Does it matters during upgradation of credit cards ?
    5. What was the documents required for the application of Black Card ?
    6. Finally the most important question is that how much credit limit you had in Regalia and how much credit lmit you got in the new Black Card ?
    7. Please answer the 6th question precisely.

    Reply
    1. Siddharth Post author

      Ah, lots to answer. 😐
      But the point is, nothing gonna happen if your RM is not taking the step. Anything is possible if your relationship value is as high as Imperia customer with high card usage.

      Reply
  3. Nandhakumar

    If this card u got with upgraded or new.
    If I will get new card with preferred account. Is this eligible for this card

    Reply
    1. Siddharth Post author

      Preferred a/c does not makes you eligible for the card. Its about the old card usage, repayment, limit, overall relationship with bank, etc that matters a lot.

      Reply
  4. Vinod Kannan

    Hey sid.! Congrats on receiving one of the Ultimate cards in India. Im holding the HDFC REGALIA CREDIT CARD currently. My limit is not that high. I desperately want to switch to the Diners Club Black Variant. Could you please guide me on this thing? How long have you been holding the Business Regalia Card? How much Credit Limit is needed to Upgrade the Regalia card to Diners Club black credit Card? Do we need to send our income documents also? BTW, Im from Chennai only.

    Reply
    1. Siddharth Post author

      Vinod,
      The magic is in your RM hands. If your relationship value with bank is high, it shouldn’t be a challenge at all.
      I’ve been banking with HDFC for quite long.

      Reply
      1. Vinod Kannan

        I don’t have an account with HDFC. So I don’t have an RM. I started with the Platinum Edge variant, then AllMiles, then Diners Club Premium, and now Regalia. The bank doesn’t have the Physical form for Diners Club Black now. I think it is gonna be hard to get the Black Variant.

        Reply
        1. Siddharth Post author

          More chances to get if you have good relationship value wit the bank. With Card alone in the case, might be tough. but with higher limits like 5L and higher income can make it easy though.

          Reply
  5. Meher

    Hi Siddharth,

    I am also a Regalia card user and HDFC imperia customer, and have been thinking to switch to Diners Black for a while.
    Can you please let me know the process to shift to Diners Black? Also, did you receive the life time free offer?
    What happened to your reward points on Regalia? what was the conversion ratio?

    Best Regards,
    Meher

    Reply
    1. Siddharth Post author

      Meher,
      The card is designed for Imperia customers and you wont have a problem in getting one. Get in touch with your branch πŸ™‚
      HDFC has diff rules for each customer.

      Reply
      1. MANU KUMAR

        Hi Siddhartha,
        How can I know.. The type of Account I have with hdfc.. Coz I too have a dedicated RM provided as one point contact with the bank..

        Reply
        1. Siddharth Post author

          Classic/Preferred/Imperia all have dedicated RM. You might fit in one of these. Check netbanking logo. It will be mentioned below logo after logging in.

          Reply
  6. amit kumar

    hello what is the minimum credit limit required to get upgrade to diners club black card

    Reply
  7. Prashant Agrawal

    Wonder what does DC and RW embossed on the card stand for.

    Reply
    1. Siddharth Post author

      DC is Diners Club
      RW is kind of country code or bank tie up code i think.
      Its there on Diners Premium card too, probably on all diners cards.

      Reply
  8. Varun choudhary

    Hi

    I am currently holding citibank premier miles card from the time it was launched. I got it after my Jet Airways Citibank card was discontinued. I also have a diners club rewards with HDFC which I never use. My current spent on premier miles is almost 15L pa. Can I ask HDFC to issue me a Diners Club Black by giving Citi credit card bills and payment info or I need to have considerable spent on HDFC card itself?

    Reply
    1. Siddharth Post author

      It depends more about the credit limit on citi card in this case. Anything above 5L “might” help. Get in touch with your branch, BM/RM might help.

      Reply
  9. amit kumar

    hello what is the minimum limit required for upgrade to regalia to diners black.and you says diners black is better card than regalia and when i contact to customer care they told me that regalia is second top crad and diners black is after regalia.

    Reply
    1. Siddharth Post author

      Amit,
      Diners Black is the top end in Diners version. Regalia is powered by Visa/MC.
      there is no specific limit, anywhere around 5L is easy though.

      Reply
  10. Ankush

    I have a 5L limit on my Regalia, high spends, as well as preferred status, with good credit score.I still got declined for the upgrade to Black. Also due to the recent attention this card has been getting they are getting more selective in terms of the people they are getting onboard, I guess.

    Reply
    1. amit kumar

      hi akush i want to know that how much time you have regalia and 5l limit because my father has upgraded to diners black within 8 months after gettig regalia with limit 3l

      Reply
      1. Ankush

        After escalations and multiple follow ups, and a twitter post I did finally manage to get my card. One important aspect for several people to keep in mind is the lower acceptance of Diner’s across merchants. You need to have a separate Visa or masters card as alternative. Even Amazon doesn’t accept Diners for now. While the redemption options are better, where there is a 1:1 ratio, its not much of an upgrade from the Regalia. Only if you shop and spend regularly in large volumes from the partner brands to get the 10x bonus, or if you can redeem points to partners that the regalia doesn’t, then I would recommend the upgrade.

        Reply
        1. Abhishek

          Thanks for mentioning this very informative advice. Even I was planning to upgrade from Regalia bur have dropped it now. As per my RM it’s a down graded card.

          Reply
  11. amit kumar

    hello i contact to hdfc phone banking for upgrade of my regalia card to diners black they said that regalia is only upgradable to infinia only by invitation and diners black is lower card than regalia

    Reply
  12. Ketan

    Hii sidharth
    I have allmiles card with 6 l limit classic customer and good relationship with bank I have applied for upgrade of diners black and they told me that first year will be free and from 2nd year onwards 10000 yearly fees if spent over 8 lakh then free…and 10000 points after fees is this a worth? I m planning to upgrade I have one regalia in family so issues of acceptance…so what should I do?
    Thanks in advance.

    Reply
    1. Siddharth Post author

      Yes, go with it if you spend more on Diners Partner Brands.

      Reply
  13. Sudipta

    Hi

    I know you have been ploughed with so many questions but we are all Diners black enthusiasts here.

    Can you indicate what “might” be a good average monthly / annual spend figure on current card (say Diners Premium) to convince the RM

    πŸ˜€ Awaiting the reply.

    Reply
    1. Siddharth Post author

      No such pre-defined numbers, though, if you can spend 10L and if you have good relationship value with bank, it will be easy.

      Reply
  14. Sri

    Hi Siddharth
    Looking at getting a diners black add on for my wife.
    Free lounge access for add ons is something you’ve written about, and possibly taken an add on with that in mind !)
    Was wondering where you got that info from?
    Validated?

    TIA πŸ™‚

    Reply
    1. Siddharth Post author

      I’ve used the add-on cards for lounge access recently. Validated!

      Reply
      1. Kapil Khurana

        Hi Sid

        Is it necessary for the primary card holder to be along with the add on card holder for him/her to avail free lounge access? Or can she avail it even when travelling alone?

        Reply
        1. Siddharth Post author

          He/She can avail if traveling alone as long as the add on card is the name of the person traveling.

          Reply
      2. Aashish

        Is the lounge access on add on card applicable to dinner’s premium card too?

        Reply
        1. Siddharth Post author

          Yes, it works. But its officially not advertised though. So, they may revoke anytime.

          Reply
  15. Shailesh

    Hi Siddharth,

    1. Which are the cards on which accompanying kid(s) can access the lounge?
    2. Since I have relationship with HDFC bank only via credit card and ofcourse no RM assigned. Currently holding a Regalia card. What should my approach to upgrade the same to Diners black?

    Please provide suggestions

    Reply
    1. Siddharth Post author

      1. Depends on the lounge actually.
      2. Email HDFC directly.

      Reply
  16. Kapil

    Well since you’ve just been upgraded, there is a “add-on” good news for you. Just spend Rs. 1000 on your new black card 5 times or more (any transaction anywhere – offline or online) in a calendar month and get 1000 reward points additionally. With value of Rs. 1 per point, that’s a neat 20% benefit over and above any that you are already enjoying. And this will be valid for 12 months from your card activation month.

    Cheers!

    Reply
      1. Himanshu

        This offer was available on Diners club new card holders during later half of 2016. I am a verified user of the same

        Reply
  17. Pranav Panchal

    Hi

    Looks like this is the best card for airport lounce access and hopefully, bumping up your jetprivilege tier level. Plealse correct me if I am wrong. I used to have Amex Black with 50K annual fees but doesnt make sense to me if,m like me, you dont travel overseas extensively.

    would appreciate your advice.

    Thanks in advance.

    Reply
    1. Siddharth Post author

      I don’t think they give Jp tier level with this card. By Amex black, do you mean Centurion Card?

      Reply
    2. Abhishek Roy

      The one that Pranav is talking about is the JetPrivilege HDFC Bank Diners Club Credit Card. It is the highest co-branded JetPrivilege Card. But even though that is also a top of the line card and is of the Super Premium League, it doesn’t come anywhere close to Diners Black/HDFC Infinia.

      Reply
  18. RAHUL Bansal

    What should be the approach to get this card , if only relationship a person has with HDFC is CC only and no RM

    Reply
  19. nandhakumar

    now i have jet world card from hdfc and if i will upgrade to regalia then how miles converted into points

    -and if upgrade to diners black if eligible ok or not for this card now limit is 1,00,000

    Reply
    1. Siddharth Post author

      No idea about miles to points conversion.
      Tough to get Black card with that limit.

      Reply
  20. Akash

    Hi Siddharth,

    What’s the annual fees for Diners black card? If someone has lifetime free Regalia card, is an upgrade to DC black card also lifetime free?

    Thanks in advance.

    Reply
    1. Siddharth Post author

      Joining fee: 10k, Annual Fee: 5k (spend waiver is there as well)
      But sometimes you maybe given for free as well. Depends on your relationship with bank.

      Reply
  21. Sunny

    How’s this card for retail and online spends? Does the Diner’s club get acceptance everywhere?!
    I currently have a HDFC MoneyBack card with 1.9L credit limit, but anticipate high expenditure – specifically travel based in the upcoming months due to a shift in the job.
    I’ve asked HDFC for an upgrade of the current one, hoping for a positive comeback.

    Any suggestions to convince them or should i look for another card altogether?

    Thanks,
    Sunny

    Reply
    1. Siddharth Post author

      Sunny,
      It cannot be the stand alone card due to acceptance. Its still best in India as long as u need lounge access & 10X rewards.
      Moneyback is lowest and Diners black is the top end. such upgrade not possible. Try to upgrade to some mid variant – Diners Premium/Rewardz

      Reply
  22. Sri

    Looks like there is a fraud being played out by hdfc & / diners.
    Latest points to air miles conversion on hdfcdinersclub website shows 1RP = .70 miles.
    It used to be 1RP = 1 Mile.
    Very sad.
    Every since I’ve taken the card unwanted surprises are graduating to unnecessary shocks πŸ™

    Reply
  23. Kumar

    I was recently open preferred account in hdfc with 5l initial check and rm said jetprivilege world card is applid. And jet world dinners premium card is same segment card diners premium is top compared to jet world

    Reply
  24. Rajesh

    Hi Siddharth,

    Only after reading from you website, I applied for Diners Black card and finally it was delivered today.. Awesome card and benefits for me as I do lots of online transaction on flipcart, makemytrip, big basket etc ..

    Thanks for the information .. it was really helpful.

    Reply
    1. Prashant Agrawal

      How did you apply? Via a print form, net banking or one of those online forms?

      Reply
  25. pankaj

    hi i want to upgrade my regalia credit card to diners black card pls guide me thankyou

    Reply
  26. shreyans

    Are the add on card also eligible for free lounge access, With and without primary cardholder?

    Reply
    1. Siddharth Post author

      Yes, Add on cards also has lounge access, independent of primary card holder and i’m regular user of add-on card as well for my family lounge access.

      Reply
  27. SN

    Hi, was this an upgrade from Regalia or you hold both cards? Does HDFC Bank allow you to hold more than one card at the same time? I currently hold a Regalia and am interested in this, but i don’t want to lose my Regalia card. Thanks in advance!

    Reply
    1. Siddharth Post author

      They can issue two cards if your limit is high. They can’t split 1L limit into 50k each on such premium cards, but higher limits like 5L can. That’s the point.

      Reply
    2. Sri

      I had Regalia with 6L limit.
      After getting Diners Black, my limit is 4L for DB and 2L for Regalia.
      A good, persistent RM can do it for you
      Hope this helps πŸ™‚

      Sri

      Reply
      1. Vikas

        My RM IS telling me that I casnit have 2 cards. I gave told him it is possible but he is not budging what to do

        Reply
  28. jay

    Hey sid, I’m being rejected to upgrade from regalia to Black, tell me how to get black ? Please tell what to do

    Reply
  29. Arjun Jayasimha

    Like many others, I have only a credit card relationship with HDFC. I currently have the Regalia and would like to get my hands on a Diners Black too. Since I have no assigned RM, can someone on this thread share the contact details of their RM (preferably in Bangalore) so that i can contact the RM directly to process my Diners Black request.

    Reply
    1. Siddharth Post author

      Only the RM assigned to your ac/ has the ability to take request. If your Limit is good & spends are high on Regalia, you can try through customer care, if not, tough. Because they can’t risk giving super premium/high limits to someone that bank doesnt know about except cc usage.

      Reply
  30. jay

    Even he won’t help me to get the card.
    they said 30 lakh itr required.
    really unhappy with the service.
    any way sid ?

    Reply
    1. Siddharth Post author

      You can ask to take an exception. They will be able to do if you’ve good spends & limit on existing card.

      Reply
  31. Niranjan

    Siddharth,
    Have you tried not applying ‘HDFC5X’ coupon on MakeMyTrip and got 10x? There are conflicting statements from different people/customer care folks on this, I want to confirm for sure. Besides, HDFC5X coupon can’t even be applied on premium hotels like Taj.

    Reply
    1. Siddharth Post author

      Niranjan,

      I still wonder about this. I’ll be testing this in coming week, but to know the result, we will need to wait for a month.
      IF you happen to get more info on it, do share πŸ™‚

      Reply
  32. ketan

    Hello Sid,

    I m planning to take international ticket from Diners Black if I use any other coupon code or cashback offer, go cash will i get 10x reward points?? or i have to pay all for reward points…??
    Thanks…

    Reply
    1. Siddharth Post author

      If you’ve more points, yes you can redeem them. Else you can yes go for 10x reward points on goibibo. yes, you’ll get points even if you use coupon codes.

      Reply
  33. Harish

    I decided to upgrade my Regalia Card to the Diners Club Black card. But its frustrating to know that HDFC still asks for paper forms for everything.
    They want me to send a hand written letter to HDFC Chennai for requesting card upgrade.

    Also, when I ask for some clarification on certain benefits of the card, their customer care executives give different answers every time.

    Reply
  34. RAHUL Bansal

    How much should be the Fixed Deposit amount to get a Diners Black Credit card.

    Reply
  35. Sharma

    what is the best way to redeem the points from this card. I tried to redeem for postpaid bill for which they charged redemption fee of Rs 75 + service tax(15 Rs approx).

    is there any way to avoid redemption fee or any trick to minimize the redeption fee

    Reply
    1. Siddharth Post author

      Redeem max points at a time and use at once rather than redeeming every month or so. That’s the only way. You can always prepay your postpaid bills πŸ™‚

      Reply
      1. Niranjan

        I don’t get charged 75 + ST when I redeem points for bill payment. I called up customer care and confirmed that they don’t charge anything for redemption on Black.

        Reply
        1. Abhishek Roy

          Sid, can you confirm this statement? I have in past used Regalia, Diners Rewardz and Diners Premium. I got charged for all of them. What about redemption on Black?

          Reply
          1. Siddharth Post author

            They’re not charging me for both regalia & black. Maybe a Preferred privilege. i’ve no idea.

  36. Ashok

    Have you tried the Golf access with Diners? Waiting for a review on that. πŸ™‚

    Reply
  37. Chaitanya

    Hi Sid,

    Were you given this card for LTF?

    I have recently upgraded from Moneyback to Regalia First, now after sometime (say 6 months) can I request for upgrade to black for LTF? how will HDFC decide on LTF or chargeable? I am hoping as I have been using HDFC CC from last 4 yrs with good repayment history and Am a classic customer.

    Reply
    1. Siddharth Post author

      Chaitanya,
      Its done from the branch.
      Its more about the limit avail on your Regalia which makes it eligible or not for Diners Black.
      You got to talk to your RM reg. the same.

      Reply
      1. Chaitanya

        Sid,

        Limit is 1.65L on my Regalia First, how likely it can be upgraded to black? If not black I expect upgrade to Diners Premium for LTF atleast?

        Reply
        1. Siddharth Post author

          Diners premium maybe possible. LTF i’m not sure, it varies from card to card based on the usage.

          Reply
  38. ketan

    Hi sid,

    Have u used Complimentary Taj Epicure Plus Membership any time can u elaborate it?

    Have read some where in Hdfc site that they have now discontiue Taj Epicure Plus Membership is it?

    Thanks and keep rocking bro viewers will increase on your site because of demonetization…

    Reply
    1. Siddharth Post author

      Ketan,
      Nothing much special with Taj membership.
      Only benefit i get is late check-out & Early Check-in.

      Reply
  39. Gagan

    Hi Siddharth,

    I got Diners Club Premium along with Regalia (2 cards together). Can the Diners Club premium be upgraded to Diners Club Black? Any idea.

    Reply
    1. Siddharth Post author

      It depends on the Limit on Diners Premium and your IT papers.

      Reply
      1. Gagan

        Hmm. Ok. IT Papers wise no issue but Banker was saying that Diners Premium is part of Regalia. So if I want to upgrade my Regalia will have to be submitted for upgrade.

        I don’t want to give up Regalia. Any idea, suggestion? Also is Diners Black also available for free?

        Reply
          1. Gagan

            Thanks. So can Diners Black be awarded free of cost basis relationship?

  40. Sahil

    Hi,

    I am currently holding Diners rewards card. PLease let me know how can i upgrade to Diners black card?

    Reply
  41. Parag

    Hi Sid,

    Do you expect the 10x rewards program on Diners Black to get extended beyond Mar 2017?

    Reply
    1. Siddharth Post author

      Probably Parag. But not sure.
      They might restructure the 10x program with Different partners & limits maybe.

      Reply
  42. Arijit

    Hi Siddharth

    I am holding a Regalia card with 3L limit since April, prior to that AllMiles>Superia>Signature>Platinum>Gold. Started with the Gold card in mid-2008, same time as my HDFC Savings Account. I easily spend Rs. 8-10 L annually on my credit card. Average monthly bill is 50-60K, and occasionally over 1L.

    I have 3 questions:

    1. How good are my chances to get a Diners Black Card if I apply for an upgrade now? I don’t have a personal RM, I normally fill up the upgrade request along with my income proofs and drop in an ATM.

    2. Is there a way I can keep both my Regalia and get a Diners Black? The reason I ask is that my Regalia (and other variations of it prior to that) has been my daily drivers since the past 8 years. I have Manhattan from StanC and AmEx Gold, but Manhattan rewards not as good and AmEx not accepted at many places. My HDFC Visa really helps me here. I also love the 5X rewards at BP petrol pumps, which I don’t think Diners has.

    3. How is the acceptability of Diners at regular stores, restaurants, etc? Dees any place that accept Visa and MC also accept Diners, or is it limited like AmEx? (Another reason why I’d like to keep my Regalia)

    Thanks for your time.

    Reply
  43. Rakesh

    Hi Siddharth,
    Thanks for writing and helping everyone in general. I do enjoy your reviews and response.

    I have had a word with my RM and I have been told Diners Club Black is not provided life time free for anyone. He did tell me that I can get it as First year free, but I have to use the waiver option based on spends only. There is no life time free Diners Club.
    I just want to know if this is the case with you or anyone else as well. It would be great if you could let me know.

    Thanks

    Reply
    1. Siddharth Post author

      I’m unsure as well. It didn’t matter to me as i can spend the required amount for renewal waiver (5L or so). Hence i didn’t bother πŸ™‚

      Reply
  44. Bharathy

    Hi sid,

    I have started using my Diners Black. till date i haven’t faced any difficulty in using it.
    just an update on the acceptance.
    these were the POS machines, i have used my card without any issues,
    1. HDFC Bank
    2. ICICI Bank
    3. SBI
    4. Axis Bank

    thanks for this wonderful blog.

    Reply
    1. Siddharth Post author

      Thanks for the kind words Bharathy,
      I never know ICICI is accepting as well, that’s a good news now.

      Reply
      1. Abhishek Roy

        Add to that, Yesbank machines are also accepting Diners Card and some small shops like medicine shops who use “M-Swipe” can also accept Diners. The logo on the machines shows only VISA, Mastercard and AMEX. However, when I gave him my Diners Card to try it successfully got charged and I knew the reason when I saw the slip. Actually, Diners Club has partnership with RuPay. So, in this case the card got detected as RuPay and it worked. So the acceptability is outstanding now a days!!!

        Reply
  45. Mohak

    Hi Sid,
    Are you getting 33% cashback for insurance premium also(via HDFC smart pay ) ?

    thanks for this amazing blog.

    Reply
    1. Siddharth Post author

      It wasn’t charged on the card somehow, so i didn’t get it.

      Reply
  46. Jay

    I hold a credit limit of 6l on my HDFC Regalia, I just have a basic savings account relationship with HDFC. RM doesn’t help. Customer Care says send your IT Returns or latest pay slips along with the upgrade request form to their address.

    Any idea about the email address where I can scan and send it? I do not wish to send my IT returns is that okay ?

    Reply
    1. Siddharth Post author

      IT is mandatory, 6L should be fine for upgrade though. Try talking to BM.

      Reply
  47. Abhi

    Got Diners Black Card today.
    I have a query regarding the validity period of this card. My card is valid from 02/17 to 02/20, i.e. 3 years. Do all diners black card come with 3 yrs validity only or some get more than that ?

    Reply
    1. Siddharth Post author

      Yes, usually by the time of expiry they will send you the fresh card. If the card is discontinued, they’ll issue a upgraded one.

      Reply
  48. Neal Shah

    Great blog…love having this card. The 10X partner benefit has been around for some time now. Have you heard anything about whether it will continue after March 2017?

    Reply
  49. deba guru

    hi ,
    i have a diners premium card with 2 lakh limit. i know that for black we need minimum 5lakh credit limit. So can i upgrade my card to black if i put a fixed deposit of 5lakhs with HDFC.

    Reply
    1. Siddharth Post author

      No, they’re not issuing Black on FD basis. Anyways, if you have good relationship value, give it a try.

      Reply
      1. Prashant Gupta

        I asked the RM in branch to upgrade my card to Black as my credit limit is Rs.5.88L, he said only criteria is ITR of Rs.21L. Will try again in 2 months as my regalia is only 6 months old, i have done average Rs.1 L spending in past 4 months.

        Reply
        1. Siddharth Post author

          The spend is pretty low for them to consider.

          Reply
  50. Pradeep K

    Hi Siddhartha,

    I have been reading your blogs for sometime now. Thanks for sharing such wonderful articles. It really helped me and I recommended your blogs to my colleagues at office as well. Keep rocking!!

    I have upgraded my regalia card with 4.9Lakhs limit to diners black and got my card yesterday. I usually spend around 4L in month and today, when I browse thru netbanking, I have an eligibility to upgrade my limit to 5L which is just 10000/- more, should I go ahead and apply for limit enhancement or should I wait for a better increase in the coming months?

    Reply
    1. Siddharth Post author

      Sounds good, congrats.
      No, its better to apply for limit enhancement from branch.

      Reply
  51. Majumdar

    We have a small bunch of hard core credit card freaks out in our company, I am a recent entrant to it.

    Our fear is that wef Apr 1, 2017:

    10X/5X will be discontinued.
    Value of the Black Card RP will be reduced from Rs 1 to 75p.

    Regards

    Reply
  52. Ashwin Iyer

    @Majumdar

    Where did you get this info mate. I have over 60K points on my diners club. If it becomes 75 Paise I am losing nearly 15K

    Reply
  53. Majumdar

    Sorry, seem to have communicated poorly. Didnt mean to say that we know that- we are only fearing such a devaluation may happen. This is based on past track record of devaluation on other HDFC Cards and even Citi and AMEX cards in the past.

    Regards

    Reply
  54. Kush

    i had 30k Regalia points which got transferred to Black without any deductions.

    Also the call center guy confirmed tht no redemption fee of Rs 75 for Black customers.

    sounds great

    Reply
  55. Kumar

    Dear Sid,
    Got my DC black recently courtesy you.
    I came across your site a few months ago. I have a Citibank card for more than 15 years with negligible benefits. Citibank never offered to upgrade. I too never bothered as I was not very savvy about these things.
    Your articles made me realise the potential benefits of a good credit card.
    I read almost all your posts and zeroed in on DC Black .
    Followed your advise and spoke to my RM and voila. ?
    Thanks a lot
    Keep up the good work.

    Reply
    1. Siddharth Post author

      Congrats Kumar.
      Glad that i was able to help πŸ™‚

      Reply
  56. Jay

    Finally got my Regalia card upgraded to Diners Black. Process was so simple which I never thought this easy. Just took a chance and sent a signed card upgrade form request which I downloaded from the bank website and didn’t even provide any income proof documents. They upgraded within a day of receiving my request letter.

    In the process I lost nearly 26k points as when they upgraded the card they decreased my existing points to just 40%. Bad I didn’t spend the points before.

    Thanks Sid. Now I am worried if the 10X/5X is discontinued.

    Reply
    1. Siddharth Post author

      Congrats Jay!!
      Hopefully they’ll extend with some changes in partners. Lets see.

      Reply
    2. Jasneet Singh

      @jay Congrats…can you tell me the link of the form you filled?

      Reply
      1. Jay

        Thank you all. Applied Addon Card for my wife too only for lounge access.

        I didn’t send any income proof documents or any ID Proofs. Just the form filled and sent to Chennai address.
        I had around 8l limit on my Regalia Card and was using it for more than 3 years.

        Statement for the first month was generated 2 days back, Hurray they haven’t charged the joining fee of 10k for me.

        Yes, I didn’t understand their points conversion table before, just now saw and understood. They have clearly mentioned on the 2nd page of the form that 60% of the points will carry forward when we upgrade from Regalia to Diners Black.

        Reply
    3. Prashant Gupta

      Congrats. I think the conversion is 60%. You should check with them. HDFC is known to goof up while upgrading cards. Infact the upgrde forms mentions 60% conversion.

      Reply
      1. Abhishek Roy

        It means only 40% points are transferred. 60% points you lose on upgrading.

        Reply
    4. Captain Bishuddha Bharatiya

      Jay congratulations. How much limit you had in Regalia and how much limit you have now in Black ?

      Reply
    5. Abhishek Roy

      Bad luck. I knew about this rule and thus had used all the points before upgrading. We only lost 154 points while upgrading. πŸ™‚

      Reply
  57. RAHUL Bansal

    if i start an FD of 10 Lakh at HDFC will they be inclined to issue me a black card, or they dont offer the black card on FD basis at all.

    Reply
    1. Siddharth Post author

      I heard from one that they don’t. But you can give a try.

      Reply
  58. KETAN CHAUDHARY

    hiii sid,
    in smart pay they are giving 10x reward point?

    Reply
      1. KETAN CHAUDHARY

        thanks bro for the reply, will let u know once I get the update…

        Reply
  59. KETAN CHAUDHARY

    hello sid,

    plz tell me if we pay insurance directly throug auto registered will get 10x reward points if not then i can buy gcs of FK plz rply fast.
    thanks in advance…

    Reply
    1. Rajesh Pal

      I think-No

      T&C says: “SmartBuy offer is applicable only on Flight and Hotel bookings. Also cardholder has to continue as a guest to avail the offer”

      Reply
  60. Varun

    10X points extended to 30th April. Website is updated. However no clarity on 10X for SmartPay.

    Reply
  61. Navin

    Hi Siddharth,

    I’ve been using Regalia for the last year or so. I enquired for an upgrade and they have offered me 2 options. Either upgrade to Diners Black (only) or a combination of Diners Premium + existing Regalia.

    Which among these would be the better option considering limited acceptance of Diners cards and that the 10x reward points is available only till end of April 2017.

    I have a few other credit cards like Citi IOC, etc. but the reward rate is not very great.

    Thanks in advance for your help.

    Reply
    1. Siddharth Post author

      It depends on your usage. IF you spend more on 10X partners, Diners Black might help, else dual card would do.

      Reply
      1. Dhananjai

        Diners black has now changed the max RP to 25000 and removed all travel websites ( except smart buy) . They have included amazon and dropped Flipkart.

        Reply
  62. Manav

    I got to know that Diners Black criteria being Take Home salary of 6-7 Lacs per month… I was surprised. Does it mean its only for people a Salary ( before Tax) in range of 1 crore…. Doesn’t that sound absurd..

    Anyone else having heard something like this?

    Reply
  63. babu

    Hi Dude,

    Nice article. I actually hold a regalia card with a limit of 3L. I have been using it for more than an year now. I have an average spending of close to 60k per month. I now applied for an upgrade and they rejected saying that the salary requirement is 1.75L per month. I actually have 1.12L per month now. What do you suggest? Any chance to get it if I talk to the bank guys again?

    Thanks
    Babu

    Reply
    1. Siddharth Post author

      Yes, the new changes are published. Check the latest article.

      Reply
  64. Amit

    10X points extended to 30th October 2017.

    10X Rewards points will be posted only on eligible retail transactions on SmartBuy Amazon, Lifestyle, BigBasket, Uber, BookMyshow, Swiggy, Redbus, Luxhues on both website and mobile app spends.

    Maximum total reward points that can be earned per statement cycle across all the above merchants is 25000.

    So Flipkart , Myntra are out and Amazon is in. No flight booking portal like MakeMyTrip and Goibibo are in new 10X partners list. Swiggy is new entrant. Monthly cap reduced from 50000 points to 25000 points.

    Reply

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