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.

208 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
  72. 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
  73. 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

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