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 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 😀

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 spendings 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. 🙂

Got something to say? drop your comments below.

39 thoughts on “HDFC Diners Club Black Credit Card Review

  1. Pushkar

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

    1. Siddharth Post author

      Its a million dollar question 😀
      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.

      1. Ajay

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

        1. Siddharth Post author

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

  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.

    1. Siddharth Post author

      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 😉
      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.

  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.

  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.


    1. Siddharth Post author

      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.

    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 !!

  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?


    1. Siddharth Post author

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

  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.

    1. Siddharth Post author

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

        1. Siddharth Post author

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

  7. Nandhakumar

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

    1. Siddharth Post author

      Depends on the overall relationship value with the bank.

  8. Krishna Chaitanya Cattamanchi

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

    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.

  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.

    1. Siddharth Post author

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

  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 .

    1. Siddharth Post author

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

  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.

  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!

    1. Siddharth Post author

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

  13. Sulogno de

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

  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 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..

    1. Siddharth Post author

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

    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?

  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

    1. Siddharth Post author

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

  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.

  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.


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