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, atleast 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.

You may still contact me for an indepth consultation on it. Or, do you hold the Diners Black card already? Share your experience in comments below.

88 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 🙂
      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
  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

    😀 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 🙂

    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
  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
  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
  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 🙁

    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 🙂

      Sri

      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 🙂

      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 🙂

      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
  36. Ashok

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

    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

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