HDFC Diners Club Black Credit Card Review

By | February 10, 2016

This is one of the uber premium credit card with Hdfc bank that stands in par with infinia credit card. While infinia is powered by MasterCard or visa, diners club black is powered by diners club international itself, the first independent credit card company in the world to issue credit cards and charge cards. Personally I’ve a respect for diners cards for this reason.

Benefits of HDFC Diners Black Credit Card:

hdfc_diners_club_black

HDFC Bank Diners Black Credit Card

Golf privileges on Diners Black:

One of the distinct advantage of diners cards from others is that it has unlimited complimentary golf lessons (Green Fee Waiver) at almost 20 golf courses in India and over 40 golf courses world over. Cards with such features tempts me to hold one πŸ˜€

Higher credit limit:

Similar to Infinia credit card, You can expect a minimum credit limit of 10 Lakhs or more. They say that it has unique NPSL* (No Pre-set Spending Limit) feature.

Unlimited Lounge Access Worldwide:

You can get unlimited access to airport lounges across the world. One of the biggest advantage of this card is that even the supplementary/add-on card member can have free lounge access. Unlike Infinia, you don’t need a separate Priority Pass card to access lounge. All you need is just your card. While HDFC website didn’t mention anything about free access on supplementary cards, some people on forums have confirmed it to be working good without any issues.

Most of other features are explained in detail here on Infinia credit card review as Infinia/Diners black are considered equal as the top most super premium cards and share most benefits in common.

Unbeatable Reward Points & Savings:

You save,

  • 3.3% on all retail spends and
  • 6.6% on spends done on Dining & on dinersclub website.

Say you spend 1L on your card, you can save 3,300 INR equivalent value in points, no matter where you spend and there is no upper limit to this. Unlimited rewards. Best part, you can redeem the points against recharges and especially to pay for broadband and postpaid bills. (new feature)

Why Diners Black stands out from the crowd?

There is something unique with diners cards. They run 10X rewards promotions with selected brands like Flipkart, goibibo, irctc, etc often helping you save big. Now that makes huge difference if you hold Diners Black card.

Here’s how – Let’s say you’ve booked flight tickets on goibibo for 1 Lakh. With usual rewards you can save 3,300 INR worth of points. But with 10X rewards, you save 33,000 INR. That’s HUGEEE.

You can save same 33% even on Flipkart on all products. How about an expensive iPhone or TV or a refrigerator costing you 33% less? We have covered this in detail in the earlier article – Save upto 33% on Flipkart, Snapdeal, Goibibo Using HDFC Diners Club Credit Cards

Reward Points Redemption & Airmiles:

The accrued reward points of above spending’s can also be used to book flights/hotels/recharge/movie tickets within dinersclub website, or just transfer to airline partners at 1:1 ratio and use for award tickets.

It’s a kind of once in a lifetime offer. Never miss it if you happen to have chance to grab this card. 10X rewards are temporary and timely offer for customer acquisition as diners club international wants to penetrate into Indian market and most ppl who apply for this card is MAINLY for this reason.

Simply put, diners club black credit card saves you 33% on most of your travel & shopping expenses and that being said, its a dream of every credit card holder in India to own this card. πŸ™‚

CardExpert Rating: 5/5

Update:

Got something to say? drop your comments below.

288 thoughts on “HDFC Diners Club Black Credit Card Review

  1. Pushkar

    Hi, Can you share an eligibility criteria to apply for this card ?

    Reply
    1. Siddharth Post author

      Pushkar,
      Its a million dollar question πŸ˜€
      HDFC has its own eligibility criteria. If your income is super high, like 15L & above, give it a shot.
      Else you can get it only by upgrading from other card.

      Reply
      1. Ajay

        HDFC told 1.5 Lac pm income is the eligibility criteria for Diners Black.
        For Diners Premium its 60K pm income.

        Reply
        1. Siddharth Post author

          Ajay,
          No such fixed criteria with HDFC, as long as you have great relationship with bank, they will issue one.

          Reply
      2. Madhur gurbani

        Dear ,
        I have annual income of 1770000inr but hdfc issued me regalia first card with limit of only 1l I was very disappointed when I talked to hdfc chennai(main cc department) they said that you are new to hdfc bank and your have never issued credit card with any bank and also never taken the loan thatswhy you have no cibil score so this is your initial card.
        My dream card is hdfc infania /dinners club black how can I get it?

        Reply
        1. Siddharth Post author

          You can still get it. It just takes time. Keep upgrading every 6 months. Simple as that.

          Reply
  2. Kaushl mehra

    Hi siddharth,

    Your articles are quite impressive and you right that non of the indian website gives enough information to chose a right card.
    I hold a diners rewards with a limit of 1 lac but i spend more than 5 lacs a month on that card due to points and i use if for my travel purpose.
    I called up hdfc to know about the points break up but they were clueless about it.
    I need to ask you 2 questions: firstly can i get the break up of the points , say for example i spend 1 lac in a travel website and say another 50k in shopping so can i know how much points i got for each transaction as that would make the points calculation easy. Though i know its gives 3points on every 150 spent double the point if i exceed above 10k and 10x on few websites but it becomes very difficult to undersand when i get the total points in the end AND secondly
    Since this is the first time i m using a credit card so can i put in excess money in my account and use it since a lot of times my single purchase is over a lac and due to lack of limit im not being able to use it.
    Looking forward for your reply.
    Thanks

    Reply
    1. Siddharth Post author

      Kaushl,
      1. 10x rewards and 2x incremental rewards cannot be theoretically applied at same time, but you can still check how far the HDFC tech guys are upto πŸ˜‰
      Please inform outcome in this case, as only you can comment on it.
      2. Yes, you can always pay bills upfront beyond your limit. But HDFC don’t allow you to charge beyond credit limit in single txn. However, you have to split the bills and pay multiple times. Additional payments gets adjusted. I’ve done that.

      Reply
  3. Kaushal mehra

    Hi siddharth,

    They are always clueless so i have given up on them.
    Let me get my statment i ll be in a better position to calculate and thanks for your reply.

    Reply
  4. Prashant

    HI Siddharth,

    I am currently holding HDFC regalia (master card). In an upgrade requested, they are offering me Diners black card. But the reviews of this card are not very good elsewhere online. In contrast, you have given a positive review about this card. The catch is that I have to surrender Regalia to grab Diners black as they aren’t allowing to have both the cards at the same time. However I have SBI signature as a backup card if Diners card is not accepted, but I am little confused as is it worth surrendering Regalia to have Diners black? People have raised concerns over it’s poor acceptability. No doubt that Diners club is more rewarding and lucrative than Regalia but in the end it should be accepted to reap the benefits of holding it. Please advise what should I do.

    Thanks.

    Reply
    1. Siddharth Post author

      Prashant,
      Diners black is a blessing in disguise as long as 10X rewards are there (its likely to continue to atleast March 2017).
      So go with Diners black. If 10X rewards are discontinued in future (it will, at some point of time), you can always switch back to Regalia.

      Reply
    2. urluck

      REGALIA GIVES PRIORITY PASS FOR LONGUE ACCESS, while dinners black does not.

      dinners acceptance list for longue access is less, while priority pass has more than 950 longue tie ups world wide.

      Only issue is Regalia gives on 12 longue access in a year, while dinners gives unlimited longue access.

      Recently I visited mumbai airport terminal 2 for domestic departure longue. They were not accepting dinners card, but priority pass was allowed !!

      Reply
  5. Rajesh

    Dear Sid,

    I m new for credit card. I have business income around 10 lakhs PA. Can I get Diners Club Black card directly?

    regards

    Reply
    1. Siddharth Post author

      Rajesh,
      Bit tough. Though if you have good relationship with HDFC, you can try.

      Reply
  6. Sri

    Great work Siddharth. Very useful and handy for all those wanting to learn and make the most from various credit cards on offer. Keep it coming :).
    I agree about the ‘good relationship part’.
    Prashant speak to your RM and check if the limit can be distributed between Regalia and Diners Black. They normally recommend an upgrade from Regalia to Diners Black. But given acceptance limitations of Diners Black having a visa /master is par for the course.
    Again it depends on your relationship with the bank and your persuasive skills with the RM and RMs empathy !
    All the best.
    PS: I have a Regalia for the last 4 months and signed up for Diners Black. I’m an Imperia customer with HDFC.

    Reply
    1. Siddharth Post author

      Sri,
      Thanks for sharing your experience.
      Yes, they can’t turn down Preferred/Imperia Customer that easily πŸ™‚

      Reply
        1. Siddharth Post author

          I don’t think is possible. Even if it is, FD would be 5L or more.

          Reply
  7. Nandhakumar

    If New preferred account holder is eligible for diners black card. If I will get this card easily or not

    Reply
    1. Siddharth Post author

      Depends on the overall relationship value with the bank.

      Reply
  8. Krishna Chaitanya Cattamanchi

    I have got a new Diners Club International . Will the 10x Reward points hold true on this .

    Reply
    1. Krishna

      10x rewards point are there on diner card but condition is max 2500 point per month fir black diner card for more detail refer website.

      Reply
  9. Kaushal

    Check clear trip. It says unlimited. Rest they have out a cap but on clear trip offers it still clearly says 10x point and no limit.

    Reply
    1. Siddharth Post author

      You get lesser value per point and less number of lounge access via Priority Pass.

      Reply
  10. Pradeep

    I am holding hdfc regalia from last 2 yrs .now i want to upgrade it to infinia or dinners black. I have limit of 5 lakhs .

    Reply
    1. Siddharth Post author

      Give it a try.. you’ll most probably get Diners Black. Unsure about Infinia.

      Reply
  11. Urluck

    For dinners black card upgrade HDFC ask for IT Return more than 21 lacs.
    For Regalia card ITR Should be 12 lacs.
    For Regalia first ITR Should be 7.2 lacs.

    Reply
  12. Rushi Narang

    Hi Sid, Your reviews are impressive very detailed and informative. I have always been after Jet miles and have collected & redeemed more thant 3L miles. But this one looks much more tempting as its not limited only to Jet and their rewards points website covers a no. of other things. Do you know fees for this card? couldn’t find on the website. Also your view / advice on switching to this one? Will HDFC agree to the switch without any additional membership fees. I already paid 10k on this one.

    Thanks in advance!
    Rushi

    Reply
    1. Siddharth Post author

      It depends on eligibility. if u have, you don’t need to even pay for upgrade. Contact your branch.

      Reply
  13. Sulogno de

    Has anyone upgraded his diners premium to diners black? Does one have better chances in upgrading to a black from premium?

    Reply
  14. Sm

    My gross salary is rs 30,000 per month from my employment but I m having a hdfc regalia card with a limit of 4.5 lacs and for the collection of reward points I use my card every month for a cumulative expenses of rs 4 lakhs approx by purchasing air tickets,paying utility bills of neighbours and office colleague.10 years back my first hdfc card was with credit limit of rs 15,000 only and subsequently upgraded to higher credit limit..now my question, since my card expenditure is simply 15times higher than my earnings,whether there will be any issues form the income tax office.last year I have added rs 20000 in my ITR2 as income from credit card…is there any chances to get infinia credit card in future…??Since I am regularly maintaining my credit repayment in full without a single default!!Recently,hdfc offered me dinners card by sharing credit limit with my regalia..

    Reply
    1. Siddharth Post author

      Yes, you might get infinia due to very long Credit History. Just request them.

      Reply
    2. srikanth

      Can i know what do you mean by “sharing credit limit with my regalia”? Are they allowing you to have both the cards (regalia and diners black) same time?

      Reply
  15. Arun

    Hi, I’ve diners club card which is accumulated around 100000 points. I dont travel in flights frequently hence I never used it for flight tickets.

    Pls suggest best way to get maximum benefit with these points resumption Thanks

    Reply
    1. Siddharth Post author

      Use it for Broadband bills, Postpaid bills etc.
      You can always pay for your friends/relatives and charge them πŸ˜‰

      Reply
  16. Riaz

    Alright. I just got the latest upgrade form sent across by credit card department.

    They have hiked the Diner’s fee to 20k, but also brought it under the general upgrade form.

    No word we will still get 10k RP or that be bumped up to 20k as well. Strangely, all you need to do is to spend 40k in the first 3 months to get a wavier, which was previously Diner Premium’s waiver limit. Seems like the form has gone full bonkers.

    Reply
  17. Arjun

    I have had a Regalia credit card for about 4 months now. I’ve done both international as well as domestic transactions on it and the average bill amount till date has been around 42k and I always pay in full within a week after bill generation. I do not have a savings/salary account relationship with HDFC, only other relationship that I have with them is a two wheeler loan. I earn >14LPA in salary and including bonuses it goes north of 17LPA.
    What do you think my chances are, if I request for an upgrade to Diners Club Black now? (I know Infinia is out of range). I wouldn’t usually get such a card because of the high fee, but the waiver policy works for me. Sure to get a waiver every year.

    Reply
  18. Arvind

    Hello Siddharth,

    As a fellow diner’s club black card holders, I think we would all agree that this card clearly has the most generous rewards program compared to its peers in the market. However, keeping in mind the relatively limited acceptance of diners club cards, if you had to pick one or two back-up mastercard/VISA rewards cards from among the plethora of cards available in the market, which ones would they be?

    I did my research and found that almost all cards have either very low points to rupee conversion ratios or have a monthly limit on the number of points that can be accumulated per month. But there should be one or two cards among these which are relatively better than the rest?

    Reply
    1. Abhishek Roy

      On of the best cards on VISA/MasterCard Platforms which are highly rewarding and are at par with that of Diners Black are, HDFC Infinia Card, Yes First Exclusive Card, IndusInd Indulge and IndusInd Pinnacle Card and ICICI Diamont Card. These all are top of the line cards in India on the VISA/Mastercard Platform.

      Reply
  19. Arvind

    I agree. But which is the second best back-up rewards card available in the market as an alternative to diners black?

    Reply
  20. Alok kumar

    Hi sid, earlier I was using sbi signature credit card. After your views on hdfc diners club black, I applied for the same from net banking of HDFC(I am preferred customer for long).They issued diners black card and I got it immediately. Now I want to ask if annual fee of Rs 10000 can be waived off. Can I insist my RM to waive off this annual charge.
    Thanks
    Alok

    Reply
    1. Siddharth Post author

      Alok,

      Sounds good. You have to spend some 5L in a yr for the reversal.

      Reply
  21. urluck

    Does this card is free for lifetime ?

    If my regalia credit card, which is lifetime free, upgraded to dinners black, will it be lifetime free ?

    Reply
  22. Lalita

    Hi,
    I am getting DC Black with joining fee as free but 5k+Tax as annual fee.
    which can be reversed if spends are 5L+
    Good deal Sid ?
    Any welcome benefits or gift πŸ˜‰

    Reply
    1. Siddharth Post author

      Yes, that should be good.
      lol, Premium card being given for free itself is a great benefit πŸ˜‰

      Reply
  23. Soumitra Goswami

    Hi Sid,
    I have Regalia CC which is 10 months old with 6 L credit limit. I have a instant laon of 300000 on my credit card. expenditure around 1.5 L to 2 L per annum. Did I eligible for an upgrade/

    Reply
  24. Varun

    HDFC Bank has not updated their Credit Card upgrade form. Upgrade to Diners Club Black is now included.

    Reply
  25. Lalita

    Hi Sid,

    DC Black says ‘1000 Reward Points on fresh SmartPay Registration’
    does that mean 1000 point for each new bill registered or just once for availing smart pay facility.?

    Reply
    1. Siddharth Post author

      Lalitha ,
      Its for each of them i believe. I’ve added a few recently and expecting the same πŸ˜€

      Reply
    1. Siddharth Post author

      Amazon is the only big site that doesn’t accept Diners. Most others do.

      Reply
    1. Siddharth Post author

      Depends on where/how you spend πŸ™‚
      I’ll try to make an article on this as well.

      Reply
  26. ramkumar nagaraj

    I asked for diners, they said you need to have 1.75 lacs as salary, which is quite hi and ridiculous.
    I guess i need to get regalia and go from there.

    Thoughts? Ramu

    Reply
    1. Siddharth Post author

      Yes, you’re right. Upgrade is comparatively easy.

      Reply
      1. Gagan

        Is upgrade from Regalia to Diners Black free?

        I got Regalia and Diners Premium. Bank guy said that Diners Black is discontinued !!

        Reply
        1. Siddharth Post author

          It depends on the usage of Regalia. Every profile they treat differently.

          Reply
          1. Gokul

            For Diners Black, they’re asking between 1.25-1.5L as salary. I got to speak to HDFC rep, they’re pushing a lot on Regalia as LFT with the above salary instead of Diners Black LFT (They themselves saying, diners not accepted widely and recommending Regalia).

          2. Gokul

            But, with the above salary range, one can get Diners Black LFT even if they don’t have Salary account in HDFC. This is the message conveyed to me.a

        2. Lalita

          Diners Black discontinued ? Mine just approved and shipped few days back.

          Reply
  27. Gokul

    Siddharth,

    I have applied for HDFC Credit card. I have got an message Card is approved in principle and completed verfication call.Now, I have got an message to complete Digital Identity verification with link, which asks to login email and Facebook.

    I ‘m not sure whether this is an spam message. Can you please confirm whether this is the process for HDFC Credit card?

    Happy New year wishes!!

    Thanks,
    Gokul

    Reply
    1. Siddharth Post author

      Yes, it seems HDFC is testing this for sometime.
      though you don’t need to do anything.
      Digital verification doesn’t have any impact in the application process.

      Reply
      1. Patvir

        I received same message it is fake They get all your personal detail from Google/facebook etc.
        I had put complain on this as same message come to me from HDFC for Digital verification link is not confirmed by bank. They had asked me to send details. and confirmed please do not use the link.

        As I got suspicious I removed the access from both Facebook and Google accounts to this third party. Though I am still at risk.

        Reply
    2. DC KAR

      I also received similar sms, sometime in November’16. I have not responded and later checked (by email) with the bank. They repeatedly skipped this particular query. In one occasion, (over telephone) told that they don’t send anything of that nature.
      -DCK

      Reply
  28. Varun

    I was trying to book a hotel on Make my trip but for many hotels there is no option to enter promo code HDFC5X. So will i still get 10X points on Diners Black card when promo code is not applied?

    Reply
    1. Siddharth Post author

      Yes, you will get it. But not guaranteed though. they might stop anytime. Your luck πŸ™‚

      Reply
      1. Abhishek Roy

        Sid, there is only one place of applying either the other promo codes for discounts in MMR website or you can chose to enter HDFC5X. But in that case, on what’s to pay the full price first. So if we don’t use the HDFC5X code, do we still get the 10X rewards points? Have you ever tried doing that?

        Reply
        1. Siddharth Post author

          Well, i applied some other code and still got the 10x points. It seems they are issuing points as long as you pay via that merchant. Its been 4 months or so since i did though. So, unsure whether they changed the rules or not now. Most likely they didn’t coz we have no trace of any comment saying so πŸ™‚

          Reply
          1. Abhishek Roy

            Do you regularly keep track of all your points through their customer service? They send an excel sheet within a week. How do you keep track of the 10X points as they aren’t credited in the same month?

          2. Siddharth Post author

            I got bored and no more tracking. I just see overall, if i’m getting decent points i don’t mind to check πŸ˜€

  29. Dilip Agarwal

    Hi Sid, I just exhausted the 4 lac limit of Amex Platinum Travel Card and wish to start using another card with similar good benefits, pls recommend assuming the annual credit card expense is over 10 lacs

    Reply
  30. Prabu

    Hi Sid,

    Have a Regalia for 1.5 years. Preferred S/B Customer with 20L FD and Annual Salary of 30+ L. Requested Infinia through my relationship manager and got denied. They are offering DC Black. Is DC Black considered as an upgrade or an additional card? Can I keep both Regalia and DC Black? I don’t want to give up Regalia since it is Life Time Free for me and very content with the benefits of Regalia.

    Reply
    1. Siddharth Post author

      It depends on your credit limit. What range are you in?

      Reply
      1. Prabu

        Thanks for the quick response. I have 3L on Regalia. But, I have an SCB with 7.5L and Amex Gold Charge Card.

        Reply
        1. Siddharth Post author

          Prabhu,
          3L limit is good for upgrade to DC Black to avail its 10X points.
          Dual card maynot possible. 5L or so limit would help. Anyways give it a try with BM as you’ve a good relationship value.

          Reply
    1. Prashant Gupta

      congrats.Can you please let us know how u applied and process??

      Reply
  31. Sitikantha Parija

    One doubt Sid, If I add 5 billers under smart pay, does that mean 1000 reward points for each and 10x points for each bill paid? Also I am adding my Insurance policies under smart pay..does that mean 33% cashback for that too!?

    Reply
  32. Lalita

    Hey Sid,
    When the bonus points get credited in case of 10X ?
    For Restaurants(2X) I see that normal points get credited on T+2 day and remaining 1X get credited on T+3 day but the same doesn’t happened in case of Flipkart(10X) transaction.
    Does it happened at time of statement generation ?

    Reply
    1. Siddharth Post author

      2-3 weeks usually. sometimes after statement generation.

      Reply
      1. Abhishek Roy

        Dude, the HDFC Diners Website doesn’t mention 2X rewards points for the Diners Black or Premium for dining/restaurants. Are you sure they offer that? Please confirm. Last I saw, they only show the offer to be for Diners Rewardz Card. I mailed them regarding this. They are clueless.

        Reply
        1. Siddharth Post author

          Its there in the privileges tab which applies to all diners cards πŸ™‚

          Reply
          1. Abhishek Roy

            Ah.. I see, those people have cleverly erased that information from individual cards. How much time does it take for the points to be posted? If I call customer care, will I know whether I have been given the extra points for that transaction or not?

          2. Siddharth Post author

            You can know X points added on Y date for Z txn, but they can’t tell you exactly about what txn gave u the bonus points.

  33. DS

    Does it cover all transactions on flipkart for 10x points. I am planning to buy a treadmill for more than a lac. How could i ensure that i would get 10x points? Also how much time does it take to get the card if I apply now?

    Reply
    1. Siddharth Post author

      Yes, Ofcourse you can. Happy BIG savings πŸ™‚
      It might take about 1-2 weeks max.

      Reply
  34. Sitikantha Parija

    Hi prashant, process is quite simple..as described by Sid before, just maintain a good relationship with the bank…I just contacted my RM and upgraded my regalia. Got the first year waiver also.

    @ Siddharth- I think the 1000 point registration benefit has been withdrawn from 31st Dec πŸ™ . Is there any way , I can prepay my insurance premium to get the 10x reward offer before 31st march..? not sure if HDFC will continue 10x post mar 17. If they dont..they will lose a lot of customers!

    Reply
    1. Siddharth Post author

      I got 1k points this month, but no idea for which month i received πŸ˜›
      Sadly, they have to charge automatically for this and it didn’t happen for me as i passed the due date. so i didn’t avail the LIC payment 10x rewards. πŸ™

      Reply
  35. ANJALEE

    Hi Siddharth
    I have diners premium card. I am planning to purchase gold jewellery from Flipkart. Will I get 10x RP on gold jewellery?

    Reply
  36. Mohak

    Hi Sid,
    Did you get 10x reward points for Insurance premium via smart pay on diners black?

    Reply
    1. Siddharth Post author

      It wasn’t charged (as it passed due date) and so i wasn’t given.

      Reply
  37. Nilesh

    For diners black, I got to know that recently value of 1 point is changed to 70p. which means one will get 2.8% benefit for any transaction. Any idea if this is correct information ?

    Reply
  38. Nilesh

    I am currently HDFC regalia card holder. HDFC allowing me to get diners black with keeping regalia.
    Seeing diners acceptability, is it good idea to keep both cards ?

    Reply
  39. rajesh

    Hi Sid,

    Iam having hdfc credit card last 4 years and i upgraded to dinners premium on july 2016, Limit of 1,80,000/-. can i upgrade for dinners black now . can i get it ?? or i need to wait for some more months

    Reply
    1. Siddharth Post author

      Limit is quite less. Though, if you’ve good relationship with Bank, you may get it.

      Reply
  40. Pradeep

    I am regalia card holder of limit 6 lakhs. I want to upgrade to black but my rm told it’s not possible

    Reply
    1. Gagan

      You will get Diners Black, mist likely will be chargeable and not free unlike Regalia

      Reply
  41. Manan

    i have a diners black with 3 supplementary cards in my family member names . Do they also get free lounge access in india and worldwide or do supplementary card holders get charged ?

    Reply
      1. Amit Sinha

        Supplementary card holders may not get complimentary lounges access all the time if accessed along with primary card holder . Once at an international airport supplementary card holder was denied entry citing that only one access per credit card number is allowed. Supplementary and Primary both typically have the same card number

        Reply
        1. Siddharth Post author

          Maybe they are not sure about how it works. You need to ask them to swipe the card as they’re both diff cards(has diff PIN) even though they have same card number. Swipe machine will approve it. But it wont if you swipe the same card.

          Reply
  42. Prashant Gupta

    I too have a limit if 5.88 l on regalia but they are not giving me black. They say they need itr if Rs21 L. I have spend nearly 3l in last 3 months though.

    Reply
    1. Siddharth Post author

      Are the spends and relationship value with Bank good too? If so, talk to BM directly.

      Reply
  43. Varun

    Do HDFC make mistakes while giving the reward points? Want to know if i need to carefully follow up or my self calculate the rewards point i will be getting. I have asked for detailed breakup but they are not sharing.

    Reply
    1. Siddharth Post author

      Yes, sometimes mistakes arises during upgrades and with bonus points. I’ve an exclusive article coming up for this. Stay tuned πŸ™‚

      Reply
  44. Hari

    Hi Siddarth,

    I am planning to apply for a HDFC Black CC as a floater card and share the credit limit (6L) with my HDFC Regalia CC. Does the annual fee apply for floater cards as well ? Does the floater card come joining and renewal benefits ? My Regalia is LTF.

    Reply
    1. Siddharth Post author

      Hari,
      It depends on your the spend on old card and relationship with the Bank. Talk to your RM/BM.

      Reply
  45. Tarun

    Hi Sid,

    Got my Diners black last week !! Upgraded from Regalia with limit of 5.88L !!

    Wanted to ask, is it possible to check credit of reward points & the date? Or I can check only when statement comes? But with the statement, I do not know how many reward points get credited for each transaction, status of 2X, 10 X etc.

    Reply
    1. Siddharth Post author

      Congrats Tarun!!
      You can get it on email, but they take more than a week usually. Call phone banking and you can know them instantly πŸ™‚

      Reply
      1. Tarun

        Thanks Siddharth. I did not know about the reward points statement request by mail. Got some new info πŸ™‚ …

        Also, is the 1000 RP for registering a biller still on? I thought it got over on Dec 31.

        Awaiting the 10X partner list post March. Sure a lot of us are πŸ™‚

        Reply
  46. Pradeep

    Hi tarun. I also want to upgrade my regalia. Pls tell the method by which you had get the black from regalia. I have limit of 5.5 lakhs

    Reply
    1. Tarun

      Hi Pradeep. Call your RM. He will get you an upgrade form. I also had a savings account with consistent high balance. So this was not an issue πŸ™‚

      Reply
  47. Pradeep

    Hi tarn
    I called my rm but my rm tell not possible bcos its requite ITR of 24 lakhs.

    Reply
    1. Tarun

      I do not have such a high ITR. I guess they look at the overall relationship. How long have you had the Regalia? I had mine for almost 2 years. I have had an HDFC Credit Card A/c for 9 years now, SB A/c for 6 years.

      Reply
      1. Pradeep

        Me too using regalia from last 3 yrs.
        Hdfc credit card account with 8 yrs.
        Saving account 9 yrs.
        Can u give me yr rm no so that I can contact him.

        Reply
        1. Jasneet Singh

          same thing happened with me also pradeep..I have almost same relationship as yours my RM told me you need to meet the criteria…He didn’t give me the upgrade.

          Reply
        1. Tarun

          RM is nothing but an account manager assigned from your home branch. They do not work across branches… I got same limit as my Regalia, no change.

          Reply
  48. Mohak

    Do I get 10x reward points if I pay via Diners black on POS terminal to Myntra delivery guy?

    Reply
    1. Siddharth Post author

      No, you likely wont. They can track the merchant for 10X only on website. Offline modes maynot be added to this system. Anyways check their TOS.

      Reply
  49. ARUN

    Hi Siddharth,
    Today I got HDFC Diners Black card, upgraded from regalia. I have following doubts, requesting u to please answer..
    1. Lounge access to addon card holders? Customer care person confirmed me that lounge access is only for primary card holder. Is there any charge to access the lounge as is in the case of visa/master card.?
    2. How to use the card to access the lounges i.e. Whether they swipe the card or just have to show the card for complimentary lounge access.?
    3. Whether Golf benefits are applicable to add on card also? Is there any charge for accessing the golf facility whether in India or Outside India?
    4. 10X Diners offers is going to expire on 31st March 2017. when this scheme of 10x was launched? Whether is there any chance for continuation of this scheme beyond 31st March.?

    Thanks a lot

    Reply
    1. Siddharth Post author

      Congrats on Black!
      1. Its for Add-on card too
      2. They swipe it
      3. Its for Primary card only i guess
      4. Million $ Qn πŸ˜€

      Reply
      1. murali

        Siddharth

        My hdfc executive said add on card will have unlimited access to Lounge access same as primary card holder that is one of the reason i am taking this card. I have applied for this card last week waiting for the card.

        Thank you for all your help.

        -M

        Reply
  50. Tarun

    One query. For the weekend 2X promotion, is it applicable to Diners Black also? The TnC mentions valid only on retail spends. Do all online spends count as retail spends?

    Reply
  51. kushal

    I already have a Diners Black, I want to knw which bank provides Priority pass for supplementary card holder which is valid abroad.
    Except for Regalia as I will not be able to get two cards from HDFC

    Reply
    1. Siddharth Post author

      Yes Bank’s Exclusive Credit card can help you

      Reply
    2. Hari

      Kushal,

      You can get 2 Credit cards from HDFC provided you have a high limit on the existing card. You request for a floater card through you RM/BM. Once approved, you can share the limit between the two cards. I have a Regalia and got Diners Premium as a floater card.

      Reply
  52. Nitin Khanna

    Hi Siddharth,

    Any suggestions on how to go for upgrade from Diners Premium to Black? I had a word with Customer care executive, with no success on it. I am holding the Premium card for more than a year now, with decent expenditure. Any suggestions on how can I expedite the upgrade?

    Reply
    1. Siddharth Post author

      It primarily depends on the Limit and other banking relationship.

      Reply
  53. Jay

    How can we get another VISA or Master Card along with Diner’s Club card? I have Diners Club Back card now but wish to have another VISA or Mastercard added to the same card account as Amazon doesn’t accepts it currently and few petrol bunks too. I might miss out HDFC Card Offers on Amazon. So

    I do not have RM or any contacts at HDFC Bank. What are my other options?
    Customer Care doesn’t have any idea.

    Reply
    1. Siddharth Post author

      Either high limit or high relationship value with Bank is necessary. Else Tough.

      Reply
    2. Sheetal

      If we use DCB card on petrol pump then do we get points apart from surcharge waive off.

      Reply
  54. Jasneet Singh

    Hi Siddharth!
    I have a HDFC Regalia since 9 years with 6L credit limit and i am a Imperia customer of the bank. I have made 4 attempts but still didn’t get the card.
    1. I contacted the bank credit card department they said you need to meet the criteria.
    2. contacted chennai credit card customer care they said wait for an invitation, you cannot apply.
    3. contacted them by phone, they said the same thing
    4. RM is useless. He told me Regalia is the highest card. I told him about diners black. He told me you need to meet the criteria or need an invitation from the bank.
    I guess i have exhausted all my options. Is there any other way i can get Diners Club Black?

    Reply
    1. Siddharth Post author

      Did you talk to BM? Its time to have a word πŸ™‚

      Reply
  55. mayur

    in how many days hdfc db card is delivered at home for use. i have to buy flight tickets before the 10x scheme ends. i am eligible for db but havent applied yet

    Reply
  56. Karthik

    After reading this article, I contacted my RM and got my card upgraded with in a week. Thanks a lot Siddharth! πŸ™‚

    Reply
  57. Gagan

    I also got this yesterday, finally! Got an upgrade from regalia. But I am worried that will they charge joining fees of 10000?

    Reply
      1. Gagan

        Checked no fees this year and if I spend 5 lakh then next year free

        Reply
  58. Kaushik

    Hi Siddharth,

    I currently have an ALL MILES card with a limit of Rs.5,25,00 and a cibil score of 999. Yes, just checked it today, its 999 :p

    Since the bank withdrew the PP on ALL MILES i was looking for an upgrade. The customer care told me that as such i dont have any card up-gradation offers on my card but i could apply via filling the form.

    I hence filled the form and applied for the DCB. I also got a written recommendation from the BM since i have a decent relationship value having 4 preferred accounts (Family account) with the bank.

    Now i have three queries,
    1. Will i be eligible for an upgrade directly from an all miles card to a DCB ?
    2. I currently have a LTF card and have asked for the DCB to also be a LTF card. What are the possibilities for the bank to issue me a DCB as a LTF card.
    3. Its already been a week that the branch has sent the application to the Chennai team but the customer care still says that they have not received any application yet. Is it normal ?

    Reply
    1. Siddharth Post author

      They take a week or so to look into it, upgrades/LTF completely depends on bank’s decision. Limits & past spends would count.

      Reply
      1. kaushik

        I typically spend around INR 50k in a month when no defaults ever.
        I have the current limit of INR 5,25,000 on my card since 2015.
        This makes me feel that they might consider my case but upgrading from a Category B card to a Category G card would be a big upgrade and that is the whole concern.

        Reply
  59. Kaushik

    just checked that the Cibil is a maximum of 900.

    Actually i called up the HDFC customer care to check my score to which i was told that it is 999.
    Now was he referring to Equaifax or was he just bluffing because he said ” Sir you have an excellent credit score of 999.”

    Reply
    1. Siddharth Post author

      I doubt. Customer care usually donot have your Credit score info.

      Reply
      1. kaushik

        Thanks a lot for the reply Siddharth.

        I basically had asked him whether it is possible for me to upgrade from ALL MILES to DCB or do i first need to upgrade to a Regalia and then apply for a DCB later, to which he had given me this reply.

        Reply
  60. kaushik

    Hi Siddharth,

    Why are my comments never posted on the site ?


    Kaushik

    Reply
    1. Siddharth Post author

      Sometimes it takes a week or more for me to clear the pending comments. Just cleared yours now.

      Reply
  61. Amit Garg

    Hi sid I send a card upgrade form for dcb to chennai and when I contact to customer support for my request they said that on 9th march they check my cibil and history and overdue and every thing is ok and no other further update on my request I.e not approved not rejected and till now I also not receive any confirmation regarding this from bank side so please tell me how to look this situation according to you and my credit limit on regalia card is 3.12 l thanks

    Reply
  62. Kaushik

    Hi Siddharth,

    Just wanted to ask that is there a minimum credit limit that the bank provides with DCB ?
    My RM says that Infinia and DCB come woth a minimum limit of 10L.

    Will my current limit be increased to a higher limit on application for a DCB ?

    Reply
    1. Siddharth Post author

      Diners Black floor limit is around 5L, Infinia i guess its 7L, exceptions are always there though.

      Reply
      1. Kaushik

        Thanks Siddharth,

        Will hope for an increase..

        Will let you know once I receive the card.

        Reply
  63. PM

    When will I be charged the joining fees?
    I’ve upgraded from Regalia to Diners Black just a few days before my statement was generated. Even though my spends on Diners were included, the first statement didn’t have the joining fee.

    Any experience?

    Reply
    1. Siddharth Post author

      Then you have got your first yr fee waived off, Or maybe LTF card.

      Reply
      1. PM

        Wow! Never thought of this earlier.

        Just confirmed with customer care that they have waved off the first year fee πŸ™‚

        Thanks again Siddharth .

        Reply
  64. Shushansh

    Hello,

    I recently found out about this blog, and it’s really amazing.
    I’m currently on HDFC Regalia with a limit of over 5l, for 2 years now (offered as LTF), monthly transactions range from (40k – 1.2l). Also holding a savings account with hdfc for over 7 years.

    Now I wish to upgrade to Diners Club Black, will I be eligible?

    And Diners Club Black with Regalia (shared limit) vs Infinia, which one would be better?

    Any updates about the extension of 10x rewards on Diners Black?

    Thanks.

    Reply
    1. Siddharth Post author

      Yes, you’ll get Diners Black, but shared limit depends on bank’s decision.
      Recently bank is very strict on this. Infinia needs needs Imperia range of relationship. Check infinia thread.

      Maybe you need to decide after March 31st as no one knows what’s gonna happen πŸ™‚

      Reply
      1. Shushansh

        Thanks for the reply.
        Got it as LTF, excited to use the 10x rewards.

        I currently have the SBI SimplyCLICK as my most of transactions are on Amazon. Is there any better card to be considered for backup?

        Reply
        1. Siddharth Post author

          Great, Congrats!
          Check out Yesbank Preferred.

          Reply
  65. Manav

    Hi Sid,

    I have requested for Diners Black upgrade( from Regalia). I am preferred banking customer ( which is my sal. account ) Using regalia for more than 1 year now.

    As per RM, the HDFC Credit assessment team is taking a long time to give a decision on my upgrade. Its been in process for almost a month now.

    Are you aware does it take that much time for a decision to give an upgrade or not.

    Manav

    Reply
  66. NITIN

    If you register one bill for Auto pay with card application, first year fee is waived. If you spend 3L on the card for a year, next year fee is waived. Getting the card today. Excited to utilize the 10x for next few days for my overseas travel.

    Reply
    1. Siddharth Post author

      Its 5L i believe and have a backup card always as its not accepted in most intl countries. I’ve tried it in 3 countries so far.

      Reply
      1. Varun

        Hi Nitin/Sid,
        Is 10X also applicable for international spends? I assume it is only applicable for bill pay and selected partners.

        Reply
        1. Siddharth Post author

          Not on intl spends. Its limited to the 10X partners only.

          Reply
  67. NITIN

    Got the card yesterday. 5L limit. Plan to use it over next few days to take benefit of 10x. Is it possible to see rewards points earned for each transaction Instead of a single consolidate number to total rewards earned? Smart pay seems to have 10x with no define last date such as 31st March or other 10x benefits. Registered all my utility bills..

    Reply
    1. Siddharth Post author

      Congrats Nitin. All 10X ends by March 31st. You can find the points by calling customer care.

      Reply
      1. Shushansh

        So, no extension of the offer?

        Contacted customer care but they don’t seem to be aware on any updates regarding this.

        Reply
  68. Parag

    10x rewards offer has been extended with the same partners till April 30, 2017.

    Reply
  69. Tarun

    Sid, any update if 10x for bill payment through SmartPay has been extended? As per the T&C on Diners site, it was valid only till 31 March 2017.

    Reply
    1. Siddharth Post author

      Looks like its ended as per their website. But there is a possibility that it could have got extended as they haven’t touched other partners yet. So try, its a hit or miss.

      Reply
      1. Tarun

        As long as they give the regular rewards for Smart pay transactions, I am happy. However, it is a big step down from 10x.

        Reply
  70. Anoop E S

    Hi Siddharth

    Inspired by your review, few days back I’ve sent my request to upgrade to Diners black. i had attached my visiting card and 2 month salary slips. Today, I got a message saying that my card has been upgraded. I’m yet to get the card dispatch details.

    I was having regalia card with 6 lakhs limit (I dont have any other relation with HDFC Bank apart from Credit Card). I feel Regalia lost its charm once the reward point conversion was reduced to 60% from 75% and also when they reduced the number of free visits under priority pass to 6 per year.

    I was little bit confused between Diners Black and JetPrivilege Diners. Finally decided to settle for Diners Black as I already have an ICICI Saphiro Jet Privilege (although it is nowhere comparable with HDFC JetPrivilege Diners due to the ability to acrue tier points in the later). I feel normal Diners black can give the advantage of booking other airlines and redeeming reward points through diners website.

    I’ll be missing priority pass, especially the acess to the travel Club at Mumbai Domestic T2

    Note: last time when I visted Travel Club, they told me that only priority pass gives the advantage of unlimited time spending at lounges. All other cards, it is maximum 3 hours. I am not sure whether this limitation is applicable only to travel club or all lounges.

    Reply
    1. Siddharth Post author

      Congrats on Diners Club Black.

      Btw, you can now use any Mastercard for Mumbai Domestic T2 TFS lounge access.
      And HDFC priority pass can no longer be used for domestic lounge access.

      Lounges generally don’t mind as long as you aren’t staying there the whole day.

      Reply
      1. Anoop E S

        Thank you for the info about mastercard.

        Btb I had to spent about 4 hours at mumbai T2 for my connection flight. Thats when they asked me to use priority pass instead of ICICI Visa.

        Reply
      2. Urluck

        At T2 terminal in mumbai domestic longue, they allow entry before 3 hours of flight departure only.
        They check my boarding pass and I have to wait for entry in the longue while shifting flight from international to domestic at midnight.

        Reply
  71. Gaurav

    Hi Siddharth..lounge access is now not free on Add-on black card

    Reply
      1. Gaurav

        Please check TnC on HDFC diners club website. I checked with there help line also.

        Reply
        1. Abhi

          helpline always says that only primary card holder will get free lounge access but reality is that even add-on cards have unlimited free lounge access on Diners Black. Availed the same last week.

          Reply
          1. Shrey

            Hi , Can someone confirm this ? I am planning to get addon card for my parents just for this purpose on Diners Black

  72. Prashant

    Hi Siddarth

    When do they post extra 9x points for 10x offer? I did shopping worth 120K under 10x offer.
    In the start of next month I got ~24.5K extra points. But still ~11.5K points are remaining to be posted to my account. Till when should I wait before contacting HDFC CC regarding this?

    Reply
  73. Sneha Patel

    Hello Sid,
    Is it possible to get credit card upgrade offer from diners premium to diners black via hdfc net banking?
    I recently received my rewardz card and i regularly spend on it,
    i am hoping to get upgrade to diners premium and black eventually,
    Is it possible?
    i am asking this because my husband has Regalia and he regularly gets credit limit enhanced but no upgrade to infinia,
    Upgrade won’t be possible via bank because i have very low ITR.

    Reply
    1. Siddharth Post author

      Infinia/Black has no auto upgrade options.

      Reply
  74. Urluck

    Hdfc website says in T & C, Unlimited longue access is only for primary card holder for Dinners Black.

    For dinners club premium credit card they give unlimited domestic longue access and 5 free international longue access. Initially I think it was only domestic longue access.

    Reply
  75. mayur

    i called the customer care and asked for complimentary lounge access to add on card members (diners black) but they denied. also as per the pdf file of terms and conditions mentioned on hdfc diner club website it says its for only primary card holder. but it is strongly mentioned in this forum that its for all add on cards. so can anybody who have used it personally for add on card confirm whether its valid or not. what is the truth?

    Reply
  76. Sulabh Gupta

    Customer care told me addon cards are not eligible for lounge access. Even so, couldn’t I just swipe the card twice for 2 people? Its unlimited right..

    Reply
    1. Siddharth Post author

      One swipe per day per lounge limit is applicable.

      Reply
  77. Tarun

    Is there any coupon code to be entered to avail 10x points on Makemytrip? Earlier there was a code HDFC5X, but now I am getting an error. Its also not mentioned on the terms and conditions

    Reply
  78. Namit Sanghi

    Hello Sid, i have had a regalia card for 2 years now. I have gotten 110000 points. After reading your review, i feel like Diners Club Black would be better with 10X rewards. Regalia only gives Rs. 67 per reward point compared to Diners Club Black Rs 1 per reward point. Do you know if they are extending 10X? And is it worth to get Diners Club from Regalia since it’s already April 26 and 10X rewards will be over by april 30th? I also have SBI Elite as backup so don’t have worry about acceptance.

    Reply
  79. MRD

    Hello. A couple of questions:

    1) What is the foreign currency conversion charge on this card? Is it the standard ~3.5% that most Indian cards charge, or lower?

    2) Saw a comment above where someone said Amazon India now accepts Diners cards but I’ve tried paying with my HDFC Diners (JP) and got an error each time.

    Reply
  80. Anoop E S

    Hi Siddharth

    At last, I got my upgraded card yesterday. There was a delay is dispatching the card from bank side and I don’t know what happened.

    It does not include any shopping vouchers you have mentioned in your hands on experience. and the first statement generated after the upgrade does not include any charges.

    Today, when I logged into the net banking website, there was an offer for limit enhancement. Opted for it, got a one time password and that’s it!!! Limit enhanced to 7.5 lakhs from the present 6 lakhs.

    Can you please give me a rough idea of about which all bank POS machines accept Diners card other than HDFC?

    Thanks

    Reply
    1. Siddharth Post author

      Congrats!
      Check out the Diners acceptance article for all info on that πŸ™‚

      Reply
  81. Lalita

    Wow they extended the offers till 30th October !! Enjoy

    Reply
  82. Lalita

    Important Changes:

    -Flipkart & Myntra are out of 10x, logo on main page is there(proably old image ) but under terms and condition its is not. Good news is Amazon is in.

    Under this offer, 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

    – Total point in a month is halved, Diners black can get max upto 25k, earlier it was 50k.

    HDFC Bank Diners Rewardz Card – 2,000 reward points
    HDFC Bank Diners Premium Card – 5,000 reward points
    HDFC Bank Diners Black Card – 25,000 reward points

    Reply
  83. Lalita

    Updates:
    Makemytrip and goibibo ae also out so no travel benefits πŸ™
    HDFC changed the offer to 31st July and the offer image is also updated.

    Reply
  84. Prashant Gupta

    I think diners reward point value has been increased well 3 points per Rs.150 at .Rs.75 value i.e. 1.5% value.

    Reply
  85. Nitin

    Recently in GVK Mumbai lounge that accept only PP and Diners. My wife’s add-on card was denied on machine but my primary card worked fine. Later checked with HDFC customer service that access is limited to only primary card. Is this a recent change because previously it seemed to work as per your article?

    Reply
    1. Siddharth Post author

      You mean Diners Add-on card didn’t work? Which variant?

      Reply
    2. Abhishek Roy

      GVK Pranaam Lounge is a paid one. It doesn’t accept any cards. The only lounge in domestic terminal of mumbai airport T2 is Loyalty Lounge. But it doesn’t accept Diners. Mastercard, Visa, PP, Dragon Pass and RuPay cards are Accepted.

      Reply
  86. NITIN

    They took out travel sites Goibibo and Make my trip πŸ™

    Reply
  87. Nipun

    One can still get the Travel Benefits when booked from HDFC SmartBuy (Flights & Hotels)

    Reply
  88. Sheetal

    They changed the 10x benefit to 31th July 2017 again.
    Nice thing is we are getting 10x on amazon.
    If I buy gift vouchers on amazon.. will I get 10x reward points??

    Reply
  89. Sheetal

    New website Luxehues add for 10x is genuine . Could not find much information on internet.

    Reply
  90. D

    I have a regalia card (LTF) and want a Diners black card. I am asking the bank to let me keep the regalia and issue me the diners card. They are waiting for my ITR for this year to be filed. Post that they will process this request.

    I want to ask that is it worth it to keep the regalia (I will get Yes First Preferred card soon)

    Reply
    1. Biby

      Hi.
      I had also asked bank whether it’s possible to keep Regalia & get Black as additional card. What they told me that Regalia & Diners Premium is possible but Black. Also in future if we want to degrade to Regalia (if Diners Black becomes worse), it is possible.

      I also have First Preferred card. So thought of upgrading to Black by giving up Regalia. May be I will upgrade my wife’s Diners Premium to Regalia once I get the Black. Let’s see whether my upgrade request will get approved or not. Documents were collected yesterday.

      Reply
      1. Parag

        I have Regalia and got Diners Black later. So you don’t have to give up Regalia.

        Reply
  91. Monojit Roy

    All and the author of this post,
    This card is not a VISA/ Master card. The vendor is β€œDiscoverer”. So if you are in a midway of something, the card swapping machine will not accept this card in most of the occasion. This is a very useful information which the author I don’t know why skipped it

    Reply
  92. Biby

    Hi. I asked for an upgrade from Regalia to Diners Black through my RM. The manager from credit card department insited that i should take the card protection insurance (878Rs annually). But the guy who come for document collection told that it is optional. I had signed that document so that the manager won’t create any issue for the upgrade.

    Did anybody face similar situation? Can I reject the insurance after I get the card? Normally all the insurances come with 15 day refund periods, right?

    Reply
    1. Biby

      Got the Diners Black card. Gave the updated documents on 11th May & got the card on 19th. Not bad. Now i have to figure out how to reject the card sure/protection insurance.
      After i gave the upgrade request on Thursday, I was unable to redeem my Regalia reward points(near 8k points)as the site was down(may be because of wannacry). I was expecting a loss of points. But to my surprise they have transferred the points in such a way that the value of points remains same. Eg 8k in Regalia -> 4.8k in DCB

      My upgrade cycle was like this 2016May- Platinum edge to AllMiles, 2016Oct- AllMiles to Regalia, 2017May- Regalia to Diners Black. All Thanks to Sid for the Information about different cards

      Reply
      1. Siddharth Post author

        Congrats and glad i was able to help πŸ™‚

        That’s a pretty quick transformation from basic card to black!

        Reply
  93. Alok

    Thanks to all the help on this blog. I got my DCI Black. This was my first card with HDFC and but I have had a SB account with them for 5+ years.

    Wed 3 May (10am) — Filled online request form
    Wed 3 May (2pm) — Got callback. Representative unable to visit that day; scheduled next day.
    Thu 4 May (3pm) — Representative collected all documents
    Sat 6 May (4pm) — Got SMS with Application Number.
    Sat 6 May (6pm) — Got tele-verification SMS. Replied.
    Mon 8 May (10am) — Got digital verification link.. Ignored this.
    Mon 8 May (10.30am) — SMS: Approved in Principle
    Tue 9 May (1pm) — Card Approved and will be delivered in 3 days.
    Tue 9 May (8.30pm) — Bluedart AWB Received
    Wed 10 May (12pm) — Card Received.

    All done in less than a week. Quite impressed. There was no verification call; just verification SMS.

    Have a couple of questions:
    1. Primary card PIN was set by calling a number. How to set PIN for addon card?
    2. In the event that the card gets lost and needs hotlisted (hopefully never), how does it work with both primary and add-on card being on the same number? Are both cards reissued? I have read Amex is really good about quickly delivering replacement cards even internationally. How does HDFC handle this?

    Reply
    1. Siddharth Post author

      Congrats on Black!
      1. Can be done via netbanking. Usually they send by Post as well.
      2. Yes, both will be re-issued. Not sure about intl replacements.

      Reply
      1. Alok

        Day 2 of transactions, HDFC has proactively called 3 times of 5 transactions to verify that it is ME doing those transactions. While I like that they are eager to protect me against fraud, I wonder how frequently they’d continue to flag transactions. What happens if I am unable to answer their call πŸ™‚ Do they block cards temporarily until I can verify with them?

        Reply
        1. Saravanan R

          @Alok, Getting Diners Club Black is very big thing. My uncle tried to get it with very good CIBIL Score and decent IT paper but they refused saying that they cannot issue it for new customers. But agent said only Diners Club Premium will be eligible.

          Reply
    2. Biby

      Add on card pin can be set-up using atm machines. Request otp through phone banking & use it for pin reset.
      As far as i know add on card pin cant be set using netbanking. Only pin of primary card can be set using net banking.

      Reply
      1. Alok

        Thanks. Getting the OTP from phonebanking was very easy!

        Reply
  94. Lalita

    Hi,

    What are the general tips for booking flight tickets on diners hdfc website using points ?
    Should we book online or call their call centre?

    Reply
  95. Nishant Wadhwa

    I want to know whether they provide 10x rewards on addon diners black card or not

    Reply
  96. Nishant Wadhwa

    Can u plz tell me this also tht infinia has an annual fee of 10k does it also give back 10k rewards points on renewing it every yr like diners black or not

    Reply
  97. Saumya

    I have yes bank first exclusive credit card and having the limit of 4l so from that card can I get dinner black card

    Reply
  98. Rohit Khanna

    HI Siddharth,
    I have a HDFC Regalia card since few years. HDFC RM has has offered me to upgrade it to Infinia. Though I asked her for Diner Black card, RM mentioned Infinia is best card they have and can either upgrade to Infinia or Diner Black, but recommendation from them is Infinia. Please guide me which is better to go for – Infinia or Black Diner?
    Mine usage primarily is in India/domestic and going ahead am looking more opportunity to accumulate rewards points for using air miles / air travel.

    Reply
    1. Siddharth Post author

      Both are almost similar expect the 10X rewards on Diners Black which is beneficial at times. But then, its getting devalued every 6 months lately.

      Reply
  99. Saumya

    Hi Siddharth,

    I have yes bank first exclusive credit card and having the limit of 4l so from that card can I get dinner black card.

    Reply
  100. Akhilesh

    Hi Siddharth,

    I am using HDFC visa signature card from last 5 years with 75K Limit. My card is expiring in this month. I got phone call for “Regalia first” but I denied to take, because that card does not give benefit of movie tickets . Today I got to know about this card. which seems very good . What is the probability to get Diner’s black or premier card while my salary is 1.2L pm . and whom should I call ?

    Reply
    1. Siddharth Post author

      Akhilesh,
      Salary is good enough for a try, but with the limit of 75k, its near to impossible to get Diners Black. Talk to your RM.

      Reply
  101. Prashant Gupta

    The points redemption fee is rs75+taxes so it makes sense to reedeem points in bulk i guess.

    Reply
  102. Nishant Wadhwa

    Will i get 10x rewards on adding money in amazon wallet means amazon pay balance

    Reply
  103. Prashant Gupta

    Finally my rgalia card has been upgraded to black. I sent the upgrade form to chennai and had to follow up with customer service over email regularly. It took 3 week to get the upgrade. I had done close to Rs. 7 lakh transaction on regalia in last 8 months i.e. From last upgarde to regalia. The credit limit has not been increased, its same Rs. 5.88L.
    Customer care executive comfirmed that it is free for first year and then renewal fee of 5k+taxes.

    Reply
  104. Prashant Gupta

    On infinia card page following is mentioned:
    Effective 1st July 2017,
    a. EasyEMI and e-wallet loading transactions will not accrue Reward points.
    b. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
    c. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

    Will it be applicable for other cards also.

    Also how does everyone redeem point. It seems to be wise to redeem in bulk i guess.

    Reply
    1. Siddharth Post author

      Maybe they add the rules one by one. Yes, bulk redemption’s are always good.

      Reply
  105. Nikhil Goel

    Hey Siddharth,
    I got a Diners Club Premium with my car loan from HDFC last month with limit of 1.5L. My monthly spends are usually around 1L.
    Any idea how and when can i try upgrading it to Black?
    Thanks

    Reply
    1. Prashant Gupta

      See my post above. Spend as much as possible. First get the limit increased. Only other way is ITR greater than 21L.

      Reply
  106. Sumit Gupta

    Hi Siddharth, any idea if 10x has been extended beyond 30th April 2017?

    Reply
      1. Sumit Gupta

        Hi Siddharth, can I buy iphone from Amazon on diners black before 1 July 2017 and get 10x points? What is the promo code for 10x points

        Reply
  107. Prashant Gupta

    Under mitc point 9 it has now been mentioned that e-wallet loading will not get reward points. Thats bad.

    Reply
  108. Prashant Gupta

    Does it also mean that any payment done through ewallet will not earn points.

    Reply
    1. Siddharth Post author

      Highly depends on how the Wallet sites show them on the txn. Typically regular purchases via wallet shouldn’t be affected.

      Reply
  109. k satesh kumar

    hi, i have a hdfc regalia card with credit limit of 8 lacs. what is the possibility of getting diners club black as additional card. have a long relationship with hdfc since 2004. i have sent a mail to them and they have asked for a declaration to be sent directly to chennai.

    Reply
    1. Siddharth Post author

      95%, however, you might need to give away some limit on Regalia for Diners.

      Reply
      1. Manav

        As I was told Diners & Regalia cannot be held together.. I had to pursue for 4-5 months to get Regalia upgraded to Diners.. Just got in yesterday. Now my Regalia is blocked

        Reply
  110. Mouli

    Effective 1st July’2017,
    a. EasyEMI and e-wallet loading transactions will not accrue Reward points.
    b. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
    c. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction

    Reply
  111. Nikhil kumar

    Hi Sid,
    I hold jetprivilege world credit card upgraded 18 months back, I have been credit card customer (no other relation) for past 4 years and my current limit is 2.5 lacs. I max out my limit every month and pay back full, till now since 4 years there is no default on my card or late payment whatsoever. My query is:
    1) Can i request for Diners black card, will the bank approve it?
    2) Is it accepted every where? Because the places where i use my card accepts only Visa, Master & Rupay. Not even amex is accpeted.
    3) Will the card get swiped on β€œVisa, Master & Rupay only” edc?

    Reply
  112. Atul

    Hi Sid,

    Can I use my Diners black card to buy Amazon gift cards and sell/use them later?

    Reply
  113. Prakash

    Hi Siddharth,
    I recently got a HDFC DinersClub Black Credit card and am trying to figure out how reward points are calculated.

    I understand that I get 5 Reward Points for every Rs 150 spent. But is this calculated based on the overall monthly spend or at each transaction level?

    Consider the two scenarios below:
    Scenario 1: Use Credit Card in two transactions worth Rs 160 and Rs 140.
    Scenario 2: Use Credit Card in two transactions worth Rs 150 each.

    I understand that in Scenario 2 i get 10 Reward points. But what would me my reward points in Scenario 1?

    PS: Your blogs are very useful and i used it extensively while trying to figure out which Credit Card to choose. Thanks for that.

    Reply
      1. SOURAV CHAUDHURI

        hi siddharth,

        Diners has a tie up with UBER for 10x rewards. so if i pay 120/- with the credit card then as per this calculation doesnt translate to a 10x or for that matter normal reward points also?

        Reply
  114. sheetal

    Get 10X Rewards points on HDFC Bank Credit Card or 5% cashback on HDFC Bank Debit Card on transaction through Smartbuy. In terms & condition they have written following statement:
    Diners Club Card customers cannot club existing programs with the current program.

    Is that mean Dinners card are restricted to Flight & Hotel booking?

    Reply
    1. Abhinav Jain

      No, as part of the 10X offer on SmartBuy, you can shop on outside Flight & Hotel category also. I had the same confusion, but seems the T&C got updated to this now – “Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners”. So I guess you are good to go.

      Reply
  115. Rajesh Raghavan

    I just had a chat with HDFC on Diners Black card. One info that was surprising was that the Add-On card members are not eligible for lounge facilities. Can anyone confirm that this is the case – any experiences? Only reason I was looking for this card was the lounge privileges for add-on card members. any tips/info would be much appreciated.

    Reply
  116. GOVIND Dhanuka

    Hi Sid

    I am Holding citi premier mile….hdfc diners premium….sbi elite….and standard chartered titanium…..my renewal is due on sbi and citi….plz suggest which one to renew….average spending is 3 lac as I use other card also…or also suggest one good card my total spending annually 7 to 8 lad….diners I like for 10x

    Reply
  117. Vivek

    Hi,
    I am currently using a Regalia first credit card for the last 5 yrs with a current credit limit of 3.5L. My monthly salary id 1.8L. Am i likely to be able to get a Diner’s club credit card as a second card? I do not have an HDFC bank account by the way.
    Thanks

    Reply
    1. Saravanan R

      3.5 lacs may not be enough for single card itself, for dual card requires big credit limit as reported by few persons in this website. My suggestion, upgrade to regalia/try black and then check for feasibility.

      Reply
    2. Abhinav Jain

      Yes, you are eligible for HDFC Diners Black Card as required minimum net monthly income is Rs 1.75 lakh. Go ahead and apply for it. Good luck!

      Reply
  118. Biby

    They are removing recharge/dth/movie redemption using rewards points. Also there will be no 2x for spends on Diners Website /dining.

    Reply
  119. Balaji

    Dear Sidharth,

    I have currently 2 cards a) Yes First Preferred and HDFC Regalia.
    I have registered my YesBank card on Red giraffe for my monthly rent payment of 19000.
    Iam a staff of YesBank and hence Yes First is free and so is Regalia with limits of 8 lacs.
    Which card should I using more for day to day use?

    Can I get Diners Black for free lifetime, considering my family relationship value is greater than 75 lacs.?

    Do I have to use any special code for purchasing through smart buy or big basket for availing 10 x offer.

    Balaji

    Reply

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