HDFC Diners Club Black Credit Card Review

By | September 5, 2018

Last Updated: 5th Sep 2018

This is one of the uber premium credit card with Hdfc bank that stands in par with HDFC 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.

hdfc_diners_club_black

HDFC Bank Diners Black Credit Card

Benefits of HDFC Diners Black Credit Card

Unbeatable Reward Rate

Through the reward points you earn on spends, Your savings are as below:

  • 3.3% on all retail spends and
  • 33% on 10X partners & Smartbuy (temporary offer)

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. Enjoy Unlimited rewards.

And when you spend with 10X partners, you savings gets multiplied. Say for example if you spend 50,000 INR on 10X partners, you save about 16,500 INR. That’s so much of money to save isn’t it?

Unlimited Lounge Access

You can get unlimited access to airport lounges across the world – both Domestic & International. Unlike HDFC Infinia, you don’t need a separate Priority Pass card to access lounge, all you need is just your Diners card.

Add-On Card Lounge Access: Officially, HDFC Bank says that the unlimited lounge benefit is limited only to primary card member and not extended to add-on card holders.

The reality is, sometimes you’re not not charged, while sometimes you get charged. There are few readers who had reported that they were charged for swipes on add-on cards. Hence, use it at your own own risk!

Golf Privileges

One of the distinct advantage of diners cards from others is that it has complimentary golf lessons (Green Fee Waiver) at almost 20 golf courses in India and over 40 golf courses world over.

  • Limit: 6 Complimentary Golf games (Green fee waiver) per quarter

Higher Credit Limit

The floor limit of HDFC Bank Diners Club Black credit card is 4 Lakhs. Usually the cardholders have limits in the range of 4-8 Lakhs.

Reward Point Redemptions

The accrued reward points of above spending’s can be used to book flights/hotels within HDFC 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 people who apply for this card is MAINLY for this reason.

Why Diners Black Stands out?

Its all about the 10X Rewards that i mentioned earlier, which gives you the ability to save 33% on your spends?

How about an expensive iPhone or TV or a refrigerator costing you 33% less? We have covered this in detail in a separate article – Save upto 33% on Flipkart, Snapdeal, Goibibo Using HDFC Diners Club Credit Cards

  • CardExpert Rating: 5/5 [yasr_overall_rating]

Bottomline

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. Not to forget that the Diners Club network has acceptance issues but still there cant be any better card on the planet as rewarding as HDFC Bank Diners Club Back credit card.

Update:

Got something to say? drop your comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

751 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 😀
      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
          1. SUNIL KUMAR

            Yes. True Siddharth. As per my experience there are two things
            1. a common charge/Criteria
            2. special offers for those having HDFC salary account or already using a HDFC Credit Card.
            I was using HDFC All Miles card from Mar 2015 now using Maneyback card from Nov 2017. They never charged me Annual/Joining Fee.

      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
          1. Sidharth

            Hi siddharth,
            I have regalia of limit greater than 7 lac and have been using regalia for last 3 years and hdfc credit card for greater than 10 years. How to upgrade to diners black?

      3. Kuldeep

        Siddharth,

        I’m using Diners premium card from last 2 years, can I get an upgrade for black card.

        Reply
      4. Ankit Abhishek

        Sir,
        I applied and got this card on my father’s name ( I am a student above 18 yes and have moneyback card). Sir if I apply for add on card if hdfc diners will my moneyback card be cancelled?

        Also can I use this add on card for free golf/ airport lounge?

        Reply
        1. GTMAX

          1. No, your moneyback card will not be cancelled
          2. No, you cannot use it for free golf/ airport lounge

          Reply
        2. Mouli

          It wont be cancelled
          Though HDFC says that Add on card holders cant use lounge but till now Its allowed in the domestic lounges and I am not sure about golf

          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 😉
      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
    2. Shradul Goel

      Hi Sidharth currently i am holding axis vistara infinite credit card with a 3.3 lac limit i have spends of about 30 lacs per annum. So is it wise to get this card and play on the 1:1 ratio of airmiles

      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 🙂

      Reply
        1. Siddharth Post author

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

          Reply
      1. S&S

        Hi Gagan
        I got my regalia LTF… But this was before I started relationship with HDFC.
        I applied for DCB after I became an imperia customer.
        DCB isn’t LTF.
        Hope this helps.
        S&S

        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 😉

      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 😉

    Reply
    1. Siddharth Post author

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

      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 😀

      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 🙂
      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-verification with link.

    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.
        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 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 🙂

      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 🙂

          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 😀

  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. AKASH Negandhi

            Hi Sid,

            First time I am replying to a forum here. I applied for a diners black card post your review. While I did not manage to get it for lifetime free ( only First year waiver off ), they suggested me to keep both regalia which I hold and also dc black. Hold both cards now. This is an exception for dc apparently.

            2 questions.

            They mentioned they don’t offer dc black waiver to anyone for 2nd year onwards unless spending criteria is met. Is there anyway to get the card lifetime free.??

            Second,

            When will theybuodate if their 10x program gets extended and to want partners. Would it be right thing to say that if the 10x program gets withdrawn it would severely impact the creibkity of the card and becomes an expensive card to hold.

    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 🙂

          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 🙂
      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 🙁 . 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 😛
      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. 🙁

      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
      1. Abilash

        Hi Sid, the latest TnC says that 10x is not available for the purchase of gold coins and jewelry on Smartbuy. Can you confirm if people are still getting 10x on the purchase of gold coins or jewelry?

        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
          1. Chirag

            They will accept supplementary card. But they will charge for it. I have used it in international lounges and got a 27 USD bill. Tried with lounges at different countries.

  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 🙂

      Reply
      1. Prasenjit

        Hi Siddharth,

        Were you able to write this article? If not its a good idea and will be quite useful. Unfortunately HDFC (and most banks actually) don’t publish a statements of reward points, in the same way as statement of transactions.

        Thanks,
        Prasenjit

        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 🙂

      Reply
      1. Tarun

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

        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 🙂

        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 🙂

      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 😀

      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
          1. Viswa

            HI,

            The fine print on website says “Lounge access is Complimentary for the primary cardholder only”. In addition it also says “These charges will be billed on your subsequent statement within 60 days of date of visit. Currency conversion rate is applicable as on the date of settlement”

            My wife used my add-on card at the airport. The POS terminal showed only 2 Rs. The credit card statement showed the transactions done on add on card separately, with a 2 rs charge next to it.

            I believe they would charge me in the subsequent month, Will conform once I get the next months statement

  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 🙂

      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. Madhur Jain

    Hi Siddharth,

    I currently have an all miles card for the past 2 years which i had upgraded from a 6 year old visa signature card.

    I recently got a mail from HDFC saying the priority pass on my card has been withdrawn. I hence thought of applying for a card upgrade.

    I currently have a credit limit of 5.25L on my card with a preferred account status with the bank along with an ITR of 11L pa.

    I applied through the branch along with a recommendation from the branch manager. Meanwhile i called up the customer care to enquire where i was told that it is not possible to upgrade from all miles to diners black.
    I have anyways sent the form.

    Could you suggest me the right course of action ?
    I have about 45k reward points on my card.

    Reply
  57. Karthik

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

    Reply
  58. 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
  59. 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
  60. 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
  61. 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
  62. 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
  63. 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
  64. 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 🙂

        Thanks again Siddharth .

        Reply
  65. 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 🙂

      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
  66. 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
  67. 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
  68. 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
  69. Parag

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

    Reply
  70. 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
  71. 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
  72. 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

          2. Ram

            Just curious to know – How can one confirm that lounge access using the add-on card is free while swiping or after swiping the card?

  73. 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
  74. 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
  75. 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
  76. 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
  77. 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
  78. 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
  79. 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
  80. 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
  81. 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 🙂

      Reply
  82. Lalita

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

    Reply
  83. 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
  84. Lalita

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

    Reply
  85. 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
  86. 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
  87. NITIN

    They took out travel sites Goibibo and Make my trip 🙁

    Reply
  88. Nipun

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

    Reply
  89. 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
  90. Sheetal

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

    Reply
  91. 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
  92. Monojit Roy

    All and the author of this post,
    This card is not a VISA/ Master card. The vendor is “Discoverer”. 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
  93. 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 🙂

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

        Reply
  94. 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 🙂 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
  95. 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
  96. Nishant Wadhwa

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

    Reply
  97. 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
  98. 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
  99. 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
  100. 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
  101. 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 “Visa, Master & Rupay only” edc?

    Reply
  102. 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
      1. Ram

        Does one have a RM if he doesn’t have a salary/savings account with HDFC but uses an HDFC credit card?

        Reply
  103. Prashant Gupta

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

    Reply
  104. Nishant Wadhwa

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

    Reply
  105. 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
  106. 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
  107. 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
  108. 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
  109. Harish

    Hello,

    After reading your blog I called up HDFC customer care and had a lengthy discussion about the possibility of having dual cards, upgrading etc. Here is what they said:

    1. For every card, they have a minimum credit limit. Like Diners Club Premium has 2 lakhs, HDFC Regalia has 3 lakhs and so on.
    2. For Diners Club, your monthly gross must be 30% of the credit limit you are asking. For visa it is 40%. Not sure about master card.

    So lets say you want to go for HDFC Regalia (either new card or upgrade). The minimum credit limit is 3 lakhs. Since this is Visa, your monthly gross must be 40% of 3 lakhs which is 1.2 lakhs gross.
    If you wish to go for dual cards, it is the same way. Lets say you want to go for a Diners Club Premium and HDFC Regalia. Then the calculation goes like this
    Minimum Credit for Diners Premium = 2 lakhs => Gross required = 30% of 2 L = 60,000
    Minimum Credit for Regalia = 3 lakhs => Gross required = 40% of 3L = 1,20,000
    So total monthly gross required to go for such dual cards = 60,000 + 1,20,000 = 1.8 L

    If you have monthly gross more than 60,000 but not very high then I would say, go for a Diners Club Premium and for the balance amount get a HDFC Visa card like Allmiles since Diners is not widely accepted everywhere. That way, you will have 2 lakh credit limit on the Diners and a few thousands on All miles. You could use Diners everywhere it is accepted and for the other places, there is Visa.

    Now if you are a corporate customer, they usually wave off the yearly processing fees. Also, this is how they calculate for salaried people at present. Not sure if this calculation will change in the future or how they calculate of the self employed.

    If you have questions or doubts on which card you are eligible for, I would suggest to pick up the phone and call up HDFC. After all, the more cards you take, the merrier for them. Via emails they are not very responsive. I asked for dual cards over email and they rejected it straight without a reason. But over phone, they explained me things clearly and could provide a proper solution.

    Hope this helps.

    Thanks!

    Reply
  110. Prashant Gupta

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

    Reply
  111. 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
  112. 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
  113. 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
  114. 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 “Visa, Master & Rupay only” edc?

    Reply
  115. Atul

    Hi Sid,

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

    Reply
  116. 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
  117. 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
  118. 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
  119. 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
  120. 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
  121. Biby

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

    Reply
  122. Naveen Kumar

    I have just got diners premium card with limit of rupees 1.5 Lakh. After how many months I should try for diners club black.could I get diners black? Plz reply?

    Reply
  123. 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
  124. Sri Raman

    Hi,

    Can you help me with a comparison between HDFC DC Black and HDFC Infinia?

    Regards,
    Sri Raman

    Reply
  125. Vivek

    I hold Dinners black card.
    Should i upgrade for Infinia card
    My IRT is 24 lakh and i am imperia customer..

    Reply
  126. Prashant

    Having HDFC bank credit card with near 5L limits, want to upgrade to diners black but no option in net banking, is it possible to get Diners Black with this credit limits, I have only credit card with HDFC ,

    want to apply icici and standered charted credit card , card on card basis , what will credit limits they provide ?

    Reply
    1. Jay

      Send an physical form request to their Chennai address. If you are card is more than a year old and had good amount transactions done you can easily get it upgraded.

      Reply
      1. Prashant

        Usage is not much after devaluations on HDFC, I will send physical form request to their Chennai address, if they approved it will LTF or I have to pay fee

        Any credit card provider which will provide credit card with good credit limits on basis current HDFC credit card ?

        Reply
  127. Ajesh

    Got Diners’s Black approved today . If I add card to HDFC mobile app and use for recharge and bill pay using HDFC app , will I get the 10x rewards, similar to smart buy recharge and bill pay ?

    Reply
    1. Prashant

      what was your credit limit when you upgrade for Diner’s black , got credit limits increase with upgrade ?

      Reply
      1. Ajesh

        I got only 5 Lakhs limit . This is my first association with HDFC . Never had any products from them . May be that’s the reason.

        Reply
        1. Prashant

          I thought you upgraded to Diner’s black , HDFC running some nice offer for new customers
          Earn 5X Reward Points on all other transactions,
          3 BookMyShow voucher worth Rs.250 each,
          mobile recharge voucher worth Rs.200.

          @SId
          this offers will also provide to upgrade customers ?

          Reply
          1. Ajesh

            Mine was a direct application for Diner’s black as a new customer – offline . But I didn’t know about the new customer offers , until you said it. Thanks Prashant ! . It is not mentioned anywhere in the welcome kit also.
            I just found the details here

  128. Bhuvneshwar Kumar

    Hi,
    Which one do you think is the best backup card for Diners Club Black, due to its acceptance issues?

    Reply
  129. Dhaval Thacker

    I have Regalia from last one year with average spend of 50k+ per month. Want to upgrade to Diners Black, but the branch guy is saying it is not possible without ITR of 24 lpa
    How can i upgrade to Diners black ? Should i send physical request to chennai address? or any other faster method?
    Also if I will send physical form request to their Chennai address, if they approved will it be LTF or I have to pay fee ?

    Reply
  130. Shiladitya

    I have HDFC Diners premium for last 3 months. Limit is 5L
    I think I am eligible for HDFC Diners black based on salary/ITR.
    Should I ask for upgrade now or wait till I complete 6 months?

    2 questions –
    1> Do we get lounge access for add-on cards?
    2> Is it possible to get Diners black as life time free?

    AS Diners acceptance is a problem not just in India but also globally, we need to have another card or 2 handy.
    I am planning to have the YES first exclusive card which should cover most of our needs

    Reply
  131. Shiladitya

    Guys,

    Please suggest me the easiest way to upgrade from Diners premium to Diners black
    I found an upgrade form in HDFC website. Is that the easiest way to upgrade?
    MY card is only 3 months old.
    Do I need to wait for 3 more months?
    Also, is Diners black possible to have LTF?

    Reply
    1. ND

      There is no easy way to upgrade to Black, neither is there a LTF option. You need to fulfill the laid criteria of ITR or have high relationship value with HDFC. Just note that card is losing its sheen (except for current 10x) because of recent devaluations and impending ones…

      Reply
  132. Prashant Gupta

    Hi, wait for 3 more months. LTF is not possible. Only first year free. Yes sending the upgrade form to chennai is the fastest way.

    Reply
  133. Ajesh

    Unable to buy anything on amazon using Diners card , in full payment mode , since 21st – during the sale days . Only option is to opt for EMI . for Emi transactions , 10x points not applicable.

    Reply
  134. Rajesh

    Hi I am having dinners black card. If I book flight tickets through hdfc smart buy will I get 10 x points. Y bcoz in dinners site 10x program they not mentioned about smart buy… in case if we get 10x in smart buy also means monthly max point will get 25000 in hdfc smart buy and 25000 points in dinners 10x program . So total 50k points. Plz clarify

    Reply
  135. Prashant Gupta

    I dont know why people ask the same questions without even going through the posts and comments. This blog is not a customer care to answer some silly questions. No offense to anyone. A kind request to those who post, kindly go through the blog or comments first.

    Reply
  136. Deven Walia

    I think I might have had the fastest way through Diners rewardz (yea not even premium, FML) back in sep’16 to a DB in sep’17

    Theres a whole lot of bumps in the road but getting from a meagre 58k in hand to 1.76L in hand within a year does indeed help.

    They are super restrictive about 1.75L requirement.

    Rewardz had 1L CL, premium 2L, DB 4L.

    100% increases in CL twice in a year. I love this bank.

    I joined the Black (Got pun intended? You bet!)

    Reply
    1. Nilesh V

      Hi Deven Walia,
      What was your spend pattern?? Did u restrict your usage to below 30% of the limit ?? Did u do more online shopping or offline shopping??

      Reply
      1. Deven Walia

        Hi Nilesh,
        Frankly speaking I never cared for 30% of CL speding but always did due diligence while paying cc statement.
        I used DR (initially) DP (later on) on every possible online transaction and fallback was icici coral.
        Offline, apart from lounge visits(umpteen in number) theres not much of pos spread where diners shine.
        Thank goodness, I have better ccs now (Yes preferred Ltf, amex mrcc ltf) as fallbacks with better rewardrate and markup.

        I guess it would come around a lowly 1.5L spend in the year.
        Did enjoy 4 free domestic flights (some 20k points under year long 10x)
        And countless bms bogos.

        Like I said my story is possibly the most surprising one to have had all 3 diners ccs within 1 year with CL doubled twice.

        Reply
  137. Shubhankar

    Hi Siddharth,

    After 1 yr of effort Bank has finally agreed to give me this card. Do you think it is still worth having many of the valuable 10X partners gone?
    A bit of information about HDFC Regalia and Citi Premiermiles.
    1. I recently got declined with both these cards at multiple domestic lounges.
    2. HDFC Regalia priority pass access has become chargeable for $27+GST at domestic lounges. I got charged once already and they have declined to revert this.

    Unlimited lounge in Diners Black looks interesting to me.

    Reply
    1. Deven Walia

      Shubhankar,
      Yes indeed, dom lounges are generating a wave for not supporting semi HNI ccs (over and above Mc/Visa programs with 2-4 visits/quarter)

      Only high HNI ccs are left untouched (hopefully for longer time). Read 5 Super premium ccs article.
      DB is 1 and is great.

      Regalia PP not working in dom lounges is a known issue and mentioned in devaluing hdfc ccs article.

      Reply
    2. Chandan

      Mumbai T2 which is the lounge that is affiliated for Diner Club Black. Loyalty lounge refused last week to me, the website says the same lounge. Calling customer care doesnt help.

      Reply
  138. Saugata Halder

    I have a HDFC JP Mastercard World card. I have had that since Feb’17 and have good spend over the last eight months that I had it. How do I get the HDFC DC Black card? Will they entertain an upgrade? Let know what you all think.

    Reply
  139. Rahul

    I know it’s mentioned in many posts that lounge access in diners black add-on card is not chargeable, even when hdfc cc says that and site mentions that. But last post I saw confirming this was in May, so just want to check if anyone happened to use add-on card very recently without a charge? I want to use it in both domestic terminal T1 and domestic terminal T2a in Mumbai in next 15 days.

    Reply
    1. kushal

      The fact is HDFC diners uses same number for Primary and secondary card holder. Hence you shall not be considered as Secondary card holder by the system.
      So answer is Yes Add on holder can enter without any charges

      Reply
      1. RM

        I think you’re mistaken here. Even though the card no. is same, when you do any atm transaction, you do see ‘002’ or ‘003’ at the end of card no. This basically means the 2nd or the 3rd add on card. So, pos terminals should be able to make out which is the primary card, and allowed for free access.

        Reply
    2. Malavkumar Patel

      Me and my wife traveled from USA to India with stop over in Doha (Qatar) on 9th October and we were able to access lounge at Doha airport without any problem, I am primary card holder of Diners Club Black and my wife is Ad On Card holder.

      Reply
  140. Saugata Halder

    So even after all the devaluation that the Diners Black has been hit with, is it still a rewarding card to hold?

    Reply
    1. Rajiv

      As long as the 10x promotions continue – there is absolutely NO other card which can come even close to the returns from diners black …

      Reply
    1. Stockpicker123

      It’s now added to smartbuy. So both Amazon + flipkart are on it in addition to airlines for 25k points under 10x.these 25k points are in addition to the 25k under the merchant 10x (Uber, BMS, BB, swiggy etc). Also 10k additional of you spend abroad.

      Reply
    2. Rajiv

      Folks, Explore luxehues … I find it having better deals for premium gadgets than amazon or flipkart. However, not sure about their returns policy. Would be nice if someone can share their experiences with it. That said, we will really miss Amazon going away. Happy reward points minting!

      Reply
      1. Amardeep

        Never ever order from luxehues . Your product will never reach you in time . I have ordered on 1sep and still on 4th nov my order is pending.
        There customer care is very poor . Calls always goes to voice mail and no emails replies .
        Your phone will connect after 10 days by luck and they alsways apoligize for delay and lie with customers that the product has been shipped but when my call connect after 10 to 15 days they say due to tecnical error ur shippment cant be dispatch and so on excuses .
        So i searched the web about complaints about luxehues and it was full of complaints about delay of products
        I will never ever recommend to anybody to order from this site even if u get 20x points .
        My product is still pending ordered on 1 sep 2017
        Do you want to block your money for 2 or 3 or 4 months only for 10x points . I will never recommend
        Regards

        Reply
  141. Neel

    I just got my HDFC Diners Black. Though I was sitting on the eligibility for long, I would not have known how much I am losing out but for your blog. Keep up good work.

    Reply
  142. Deepesh

    which categories don’t earn points
    – wallet money load (i know HDFC cards don’t)
    – insurance (i think points are given, any limit ??)
    – fuels (any specific petrol companies ?)
    – utilities (?)

    Reply
  143. Shiladitya

    Guys,
    I am having diners premium(4 months) and yes exclusive card.
    Wanted to upgrade to diners premium. Can you please tell me the fastest procedure?
    My ITR is >30lacs. So eligibility is not a problem.
    Also, is there any way to avoid joining fees and annual fees on this card?

    Reply
    1. Siddharth Post author

      You should be able to upgrade to Black for free, first year. Check with RM.

      Reply
      1. Shiladitya

        thanks Sid, I dont have a RM 🙂
        and HDFC customer care is so so terrible. I feel like keeping the phone down as soon I hear the voice from the customer care representative.

        Reply
        1. Hari

          Send the upgrade form along with latest pay slips and a upgrade request letter to the chennai address. As of now, this is the best way to request for an upgrade to Black/Infinia if you don’t have an RM.

          Reply
  144. mouli

    Apparently, the phone banking RMs are clueless on Dinners Black…everyone said Regalia is the premier most including a personal banker sitting at the branch, until I refuted her and she called the credit card RM of the branch where I have an account. He has now told me to apply for it and I should get the card in a week time with waiver of 1st year fee of 10K.

    Reply
  145. ANUGU RAVINDER REDDY

    Hi Siddharth Raman and others,
    please help me to upgrade my Regalia First (CL Rs.4,75,000/-) to Regalia/DCB. My RM says there is no upgradation offer. Can I send the upgradation form to Chennai address without enclosing ITR/ salary slips since I don’t meet their eligibility criteria.
    Thank you all.

    Reply
    1. Siddharth Post author

      Send along with ITR docs and you’ll more likely get Regalia. DCB maybe tough if ITR is too low.

      Reply
  146. Biby

    Lounge access for add-on card is still working. Checked ‘again’ today. Swiped primary & add-on 1 afternoon the other.

    Reply
  147. Biby

    Tried using both addon & primary for lounge access in Bali DPS airport. First used the addon card. Which worked. Then when I swiped primary, the machine showed that already check in. Machine habe option to – receckin, cancel previous checkin etc. But the receptionist didn’t allow to use recheck in option. She told that i have to cancel the previous check in & add as guest. So I used my Priority pass fit entry.

    In Kuala Lumpur airport I was able to get access using addon & primary(using ‘recheck-in option).

    In short, addon access can be a hit or miss.

    Reply
  148. Ashish

    Got DB for myself and add-on for wife. Had DB premium and Regalia previously which were floating cards with a joint CL. On upgrade to DB, both these cards were cancelled. Hope that this will be worth it.

    Reply
    1. Prashant Gupta

      You could have kept Visa Regalia for Bookmyshow offer and priority pass.

      Reply
  149. John Dsouza

    Hi
    I have a Diners Premium with 2L limit since 2013 and a second Jet World card with a Limit of 6.5L . So the combined limit is 8.5L
    How do I apply for a Diners black in lieu of Premium . I WANT TO KEEP THE JET WORLD CARD TOO FOR PLACES WHERE DINERS IS NOT ACCEPTED

    Reply
    1. Raj

      How many days does it take to get the card delivered after opening fd?

      Reply
  150. Kiran

    There has been a huge devaluation of diners club card from HDFC. Is it still worth having it. I have a Regalia with 5.3 L as CL. and have two loans and a salary account with hdfc. I have already applied for Amex MMRC. Still not sure what should be the best choice

    Reply
  151. Ashish

    Anybody used the Golf program on Diners. How does it work? What charges are levied? Does one need to have a Golf Kit.

    Reply
  152. SUNIL KUMAR

    Hi Siddharth,
    Currently I am using HDFC Moneyback card. Annually I spend more 1-1.5 lac on Online Shopping. Also planning to shift with family by Mar-Apr. Hence, will buy frequently from Super Markets like More, D-Mart, Reliance Fresh etc.
    This card offers to convert Reward Points directly into Credit Card. Also, have 5/10X offers with PayZapp/SmartBuy.
    Shall I continue using this card ? Or there is better card with HDFC. (will be easy for me to upgrade).
    Being a regular reader on your blog, I think Standard Chartered Manhattan, SBI Simply Click etc are also good.
    Please suggest.

    Reply
  153. Arjun

    Can we still redeem reward points for recharges after all these changes?What type of recharge prepaid or only postpaid?can we recharge d2h? I am planning to get this card based on if they allow to redeem on recharges specifically for d2h and prepaid phone recharge.Flight Travel i wont have much apart from 20k a year.A knowledgable response will be highly appreciated.

    Reply
  154. Arjun

    Hi Sid
    How Many reward points will they charge in order to keep this card from second year onwards without paying any fee i mean is it possible to pay the annual fees second year on wards through points accumulated.

    Reply
  155. Nagarajan

    Dear Siddharth,
    Thanks for sharing your experiences in all your blogs. It gives lot of insights. Currently I am using HDFC-Diners club premium credit card and After reading responses from many people here in this blog, I have asked for upgrading to Diners club black card but no success in availing it. I am regular user of of my credit card and also doing regular transactions with my HDFC savings account. Indeed I am HDFC customer for more than 10 years. But they politely saying NO with the reason currently they are giving this credit card only for people with more than 2 or 3 lakhs salary p.m. I am wondering what I am doing wrong with my request. Can you please help me in having one.

    Thanks for the help

    Reply
  156. RAJESHKUMAR

    Dear Sid ,
    Following the site , really very informative.
    At present holding HDFC Jet world master , Jet Amex, ICICI sapphiro jet (visa amex both), icici visa signature.( Andhra bank visa and Kotak Royale I think I should close😊)
    Decided to go one extra , for HDFC Diners club Black/jet ,
    Checked hdfc Diners website , now it seems Lounge access for both the above cards for primary card holder only .
    I am also thinking of closing jet amex , 10K annual fees .
    Pl confirm and advice .
    With Regards
    Rajesh

    Reply
  157. Surya Ganesh

    Nagarajan,

    I have 1.3L or so I received black card upgrade from regalia.

    All you need to do is get upgrade form from hdfc website and drop in HDFC box to HDFC creditcard division Chennai.

    Reply
  158. Aditya Date

    Hello,
    I have a preferred relationship with HDFC and currently using Regalia with a limit of 3Lacs. My CTC is 14 Lacs with salary account in HDFC itself. What are my chances for diners black

    Reply
  159. Rz

    Can anybody confirm the international lounge access status for DCB add on card? Does it if the primary and add on and swiped back to back or if only the add on is used?

    Reply
  160. Muhsin K Muhammed

    Hi,
    Can someone please clarify some doubts..?
    1.How the online transactions for HDFC Diners Black will work? Is there any similar option available where we can create secure password (like in Verified by Visa & Mastercard Securecode) instead of entering OTP each time for the transactions??
    2.Does Diners Black card holders also get access to use Netsafe facility by HDFC bank?
    3. Is the free lounge access still available for the supplementary card holders?

    Thanks in advance.

    Reply
    1. Ramesh Kumar

      1. Yes, you can register your diner black card on HDFC Netsafe to enable password instead of OTP.
      2. Yes, as explained above.
      3. Yes.

      Reply
  161. Sarath

    now the benefits were changed for black & you don’t get reward point for wallet loading and EMI transactions. you may have to update this.

    Reply
  162. SH

    Folks got a cool Power Bank (6000mAh) when I checked into the Travel Club Lounge using my DCB from international departures in Kolkata. The Power Bank looks sleek, has a torch light feature, and has Diners Club International printed on top. So it is only being offered to folks who are using the DCB card to access the lounge.

    I was connecting through Dubai. But did not get anything special at the Marhaba lounge there (used DCB there as well). Lets see if there is something special at the Vienna airport where I will be going in a few hours on my way back to India.

    Reply
    1. Siddharth Post author

      Good to know. Now Bangalore & Kolkata seems to have this Power Bank offer. I haven’t seen any in Chennai lounges, anyone else came across elsewhere?

      Reply
      1. Tarun

        Which lounge in Bangalore has this offer? There is no Travel Club here. Only Plaza & Above Ground Level? Also, is this in Domestic or International only?

        Reply
        1. Siddharth Post author

          Plaza Premium with Diners swipe was confirmed ~2 months back. Not sure about the offer now. It’ll most likely exist across domestic/Intl

          Reply
          1. OP

            Used DCB in Plaza Premium Domestic Bangalore on 11th Feb.
            Did not get it, so either offer is ended or it is not for Domestic one.

          2. Tarun

            Checked today in Plaza premium international. Offer is still applicable. Got a free power bank.

      2. SV

        @Siddharth
        I had got one about 4 months back at ITC green Lounge Delhi; however its worth to mentioned that since then i had visited same lounge atleast 2 more times but did not get the power bank. All three were international travels.

        May the power bank receipt come out of POS only once per customer! 🙂

        Reply
  163. Ankit

    I hold Diners Premium and Regalia. I applied for upgrade of my Diners Premium to Diners Black. They have accepted the request but asking me first to close the Regalia.

    I have Regalia of me and my wife and use the priority pass for international lounge. Will diners black give the same access to me and my wife.

    Is it worth closing the two cards for getting for Diners Black.

    Reply
    1. Prashant Gupta

      You can have regalia in your wifes name and diners black in your name. I have done the same.

      Reply
      1. Ankit

        My wife is just using add on card of Regalia. I am the primary card owner of both the Diners Premium and Regalia. Is it still possible.

        Reply
        1. Prashant Gupta

          Try applying regalia in your wife’s name. Almost all PP lounges are in diners network.

          Reply
    2. Rohit

      Diners comes with its own set of lounge access with unlimited visits but there would be lounges that are accessible by PP and not with Diners. But Diners Black comes with 33% Reward points which is one of a kind in the industry, so I think it’s worth giving up if you see yourself being a frequent spender in the Diners 10X category merchants.

      Reply
      1. Ankit

        I have not much availed much of 10x since quite some time because these days most of my expenses are done on Yes Preffered card. I feel Yes card gives better value in redeeming them for amazon voucher.

        I remember I did some transactions on Diners premium some 3-4 months back on big basket and pay zap which offered 10x and I believe I havent yet got any points. Its hard to even track these 10x and chasing them is hard every time.

        Reply
    3. Gagan

      Hi Ankit,

      Is Diners Black coming Life Time Free? If yes, how did you manage?

      If not, getting at what fees?

      Reply
    4. Siddharth Mehta

      I was in the same dilemma as you. I pushed my RM to split the credit limit of my cards. I had 8L on my regalia. I told them to give me DCB with 5L limit and retain my regalia with lowered limit of 3L. You may try this too.

      Reply
  164. Prateek

    How can we use Cleartrip for 10x points through Smart buy? I don’t see any option. Any idea anyone?

    Reply
    1. Sarath babu dnv

      Search for your flight on smartbuy using compare & fly. Then choose cleartrip to get 10x points.

      Reply
  165. Siddharth Mehta

    I used my DCB card at Plaza Premium Lounge (International Departures) in Bangalore airport last week. Not only was the lounge access free, guess what? .. They gave me a Diners Club branded power bank of 6000 mah as a gift for using DCB 🙂 This card just brings surprises out of nowhere !

    Reply
    1. Siddharth Post author

      I checked BLR domestic a day back and yes, it seems to be applicable only for intl departures in most cities. So Enjoy! 😀

      Reply
    2. Rakesh

      I too got power bank in Hyderabad Intl departure !
      – Rakesh

      Reply
  166. Bharathy

    I received a Diners Power bank @ Chennai Airport TFS lounge.

    Reply
  167. SHILADITYA CHAUDHURY

    I am planning to upgrade from Diners premium to black.
    I am easily qualified as per the income criteria. What is the easiest and fastest way for upgrade?
    Also, is there any way to get the card LTF?

    Reply
    1. Prashant Gupta

      The fastest way for some has been contacting branch filling the form and putting in the drop box there. For some it is downloading the form from website and sending to the chennai office. No it is not issued LTF only first year free (u need to check this in the form).

      Reply
  168. Jose

    I am a classic customer of HDFC Bank. I have 35L + annual income. I have another hdfc credit card. I have been using it for the last 6 months with average transactions of 1L + . What are the chances of getting a diners club credit card?

    Reply
  169. Ket

    Just got the Diners Black. They seem to be strict about the income, which was slightly lower in my case coz I file most of my income through my companies. I have an excellent relation with the bank and asked my RM and BM for taking approval for this card. Received the card in just over a week. Kudos to Siddharth for this excellent blog, which has helped me in card selection on several occasions.

    Reply
  170. SH

    One question. If one were to buy points of SPG or Hyatt using Diners Black then would they count towards forex transaction and thereby attract the 10X reward rate? Has anyone done that?

    Reply
    1. S&S

      Hi SH
      I had posed a similar question here a couple of months back.
      Siddharth had replied saying 10X for forex transaction will accrue.

      I bought SPG points on March 17. (Billing cycle March 17-April 16)
      Based on my understanding of discussion in this forum (that 10X for intl. transactions is credited in the same month as the transaction) I thought I would get 10X in March, if not March-April statement itself.
      I didnt.
      I called up customer care and was told I will receive credit in my April-May statement.
      (My statement is due in a couple of days from now). The cc rep wasn’t too convincing to be honest.
      Will update here in case I receive credit…(Before that I should be able to decipher that the points that may end up getting credited pertain to the said forex transaction and not to some age old smartbuy/vendor 10x transaction 🙁

      Cheers !
      S&S

      Reply
  171. Vikram Singh

    Guys, Is there any way to get a waiver on second year renewal fee on Diners black? {I know about spending 5 Lacs but anything apart from that?}.
    Are the charges 5K + tax? and can someone confirm if the same amount is credited as points in case it is charged?
    Thanks,

    Reply
    1. Rohit

      I’ve had the joining fees waived off by RM but not the renewal. Renewal was waived off in my case only because i met the spend criteria.

      Reply
  172. Kiran

    Hi everyone,

    With Diners rewards card of limit of 5+ lac will it fetch me a DCB. If Yes, what’s the process to do so.

    Please help me with your views.

    Cheers,
    Kiran

    Reply
    1. Prashant Gupta

      Just fill the upgrade from available online and send to chennai.

      Reply
  173. Av

    Hi Siddhart,

    Currently, I hold HDFC Regalia Credit Card with a Credit Limit of 4 Lakhs; also I am a preferred customer for HDFC as I have been dealing with them for the past 14 years. I have used Regalia for 3 full years with good spend and repaid on time as well. My CIBIL score is very excellent.

    Now my Regalia is about to be renewed, so I have requested HDFC for an upgrade to Diners Black. I also meet their criteria/ eligibility for Diner Black. My RM has approached the concerned team; also I have mailed them requesting for an upgrade with necessary documents for lifetime free card.

    How are the chances of getting the Diner Black for lifetime free? Have they ever offered Diners Black for lifetime free that you know of?

    Reply
    1. Additya

      So did they never increase your credit limit in all these 3 years?

      Reply
      1. Av

        They had increased and it reached 4 lakhs with gradual increase in the limits…but I never went for an upgrade…its just now I am requesting them…

        Reply
  174. Kiran

    Good news,

    I just received my Diners black beauty today. I’m so happy, that they considered my application and approved it in two days.

    Regalia will be cancelled though automatically. But HDFC gave me same credit limit, so very happy.

    Regards
    Kiran

    Reply
  175. Kiran

    Hi Guys,

    Got my DCB today, thanks to all the forum members who guided me through this upgradation process.

    Cheers,
    Kiran

    Reply
    1. Ankit

      Hi,

      I got Regalia Card with 3L limit. I am also a classic customer. I don’t see any option for upgrade in netbanking and the customer care says that if it does not show in the netbanking, they cant do anything. Is there a way to upgrade? BB website says 10K joining fees and 5K annual. My regalia card is lifetime free. Please help.

      Thanks,
      Ankit

      Reply
      1. Points Guy India

        Diners club Black is a difficult card to get approval for,
        If you have high ITR in range of 25L than you can submit ITR and get the card easily,
        If you don’t have 25L ITR then use your regalia as much as you can and HDFC will increase credit limit and you may get upgrade offer in net banking, There is no other way,
        If you take Add on card with diners black then first year charge of 10,000 is waived and if you spend 5L in a year from second year onward then renewal charge is also waived.

        Reply
  176. Vaibhav Sabnis

    Hey, Siddarth. Really nice article.
    I recently have faced a problem with Regalia VISA HDFC credit card. I got it around June 2017. Last month I planned a trip to Bali in June 2018. But when I applied for Priority pass, HDFC customer care replied that I am eligible for Priority pass only if I do 4 retail transactions within 60 days of receiving the card. Since I didn’t have this information at that point in time, I had not make any transactions. Now I made 4 retail transactions and reapplied. But I dont know if they will consider me eligible.
    Will I never be eligible for Priority pass till this card expires ? How do I get an upgrade on this card?
    Thank you.

    Reply
    1. Points Guy India

      Yes indeed HDFC Bank is little sketchy in issuing priority pass with Regalia,
      Just keep using your card normally and apply for priority pass and you should get it,
      I assure you that you will get.

      Reply
    2. Prashant Gupta

      Just call customer care orbweite to them, they will issue it.

      Reply
  177. Surya

    I have a Regalia card with 7.5 lakh limit and have been holding the card for past 5 years.
    Can I upgrade to Diners Black Crad? My ITR is Rs.2.8 Lakh per annum.
    Let me know.

    Reply
    1. Points Guy India

      Don’t mention your ITR to bank guys and just keep high balance in your HDFC Bank account for one quarter,
      Then talk to your Relationship Manager or Branch Manager about upgrade to DCB without ITR.

      Reply
  178. Anuj Jain

    Is Diner Black card available with contactless technology? I face issue with chip transaction in some countries.

    Reply
    1. Suresh

      No contact less in diners ,You can swipe the card, in case of no chip readers.

      Reply
  179. Kuldeep

    Hi Siddhartha and other experts
    I want your expert opinion. I had applied for infinia but despite itr more than 50l it got rejected.
    I am planning to apply for dcb while keeping my regalia as i have learnt from previous posts but my RM and preferred banking customer care says you can keep only one card. Is it so now? I am worried about diners acceptance as i mainly use it for lic payments and utility bills.
    I currently hold regaia since 1 yr cl 2. 5l, am a preferred customer have taken a home loan and have total 6 account.
    Please tell me
    1 Can i apply for dcb keeping my regalia by splitting limits which is now 2.5 if yes then how.
    2 should i apply for dcb if above option is not there (worried about its acceptance)
    3 when should i apply for infinia later. Can i directly send the itr later to Chennai without the rm as i dont want to share my itr. But the issue is that infinia upgrade form is not available online.
    Thanks a lot for creating this wonderful forum. Please respond asap as i need to apply next week

    Reply
    1. manoj

      you can go ahead with DCB, LIC payment can be registered as biller and will be paid automatically

      Reply
  180. Sateesh guptha

    Hey folks I’m going to get DCB from my old regalia card. Even though my salary was 1.40lakhs which is less than required (1.75lakhs) as I’m using regalia card as a primary card from two years without any late payment. I directly went to Chennai office and gave upgrade form with payslips to the RM. Within two days I’ve got confirmation message. Thank you all in this site who guided me towards DCB…

    Reply
  181. Kunal Khajuria

    Hi Siddarth

    Thanks for the fantastic review. Based on what I read I intend to get this card and make this the primary over a Citibank premieremiles card.

    Unfortunately the process of getting this from HDFC is an utter pain. Their customer care is unbelievably pathetic. I have spent the better part of the week trying to get through to them and speak to someone competent with no luck. Finally got to speak to someone who insisted that I need to open an account with HDFC to get this card. ?????

    My wife got this card a fortnight ago with no such hassles.

    Would you happen to have a contact number for any section of HDFC which deals with Diners Black specifically? Would appreciate this help. Last effort before I give up on HDFC.

    Thanks a lot.

    Reply
  182. Vinny

    Hi Siddharth,
    I have been holding Regalia from Jul’14 tilll date. Current credit limit on my Regalia card is 9,64,000. My yearly net is around 17L(less than 21L). Will I get an upgrade to Diners Black.
    My RM doesn’t seem to be very well versed with credit cards & is not very helpful regarding this (My savings a/c is in my hometown in Jharkhand).
    Should I proceed directly with sending upgrade form to Chennai? What are my chances as my ITR amount is less but my Regalia credit limit is pretty high!!!!
    Please advise.

    Reply
  183. Naveen

    Does the RedGiraffe rent option work with Diners Club Cards as well? On the Redgiraffe portal, it does say it works with HDFC Bank amongst others but not sure if this is restricted to the Visa/Mastercard based cards only. Any advice will be greatly appreciated. Thanks.

    Reply
  184. Naveen

    Hi Siddharth & other Card Experts,
    Does anyone know whether the RedGirraffe rent payment option works with the Diners Club Cards as well. I’m aware that on the RedGirrafe portal it does say that it works with HDFC Bank Credit Cards but wasn’t so sure if it was limited to the Visa & Mastercard issued ones only. Any insight into this would be greatly appreciated. Thanks a lot.

    Reply
    1. Abhishek Roy

      Smartpay (through which Redgirraffe works on HDFC Credit Cards) works for all HDFC cards irrespective of the payment processor/franchisee.

      Reply
    2. Sharathkumar Anbu

      I do pay 2 rental payments using Diners Black card with RedGiraffe. For bill payments using RedGiraffee, you will use a feature in HDFC Credit card system called SmartPay which is same regardless of whether a card is Diners / Visa / Master card

      Reply
  185. Balpreet Singh

    Naveen,
    yes Red Giraffe payments work on Diners Card. I have used it myself.

    Regards,
    Balpreet

    Reply
    1. Naveen

      Thanks Abhishek, Sharathkumar and Balpreet for your response. Would be grateful if you’d kindly enlighten me on a couple of other queries as well
      1) My Landlord would like me to pay the maintenance directly to the society (association) and rent to him. Would such a thing be possible with RentPay even for the maintenance component or will it be exclusive to the rental component alone.
      2) Is my understanding right that using the SBI Prime Card for Rentpay is most advantageous as opposed to Diners Club Black? My logic is as below. Please correct me if wrong:
      SBI Prime gives 20 points per Rs.100/- on standing instructions for utility bill payments. So for a rent of 20,000/- p.m , one could earn (20,000 / 100 ) = 200 X 20 i.e.4000 points. Monetarily each point is worth 0.25p/- and hence 4000 X 0.25 = Rs.1000/- as rewards per month.
      Diners Club Black rewards rate is 5 points per Rs.150/-. No 10X points for standing instructions. So for a rent of 20,000/- p.m , one could earn (20,000 / 150 ) = 133.33 points. Monetarily each point is worth INR 1/- and hence Rs.133 is the monetary equivalent of the reward.
      Again, I’m new to this and may have got it wrong. Look forward to your advice. The differential seems pretty huge with the SBI Prime card 🙂

      Reply
      1. Rajnish

        I believe for Diners Club Black, the reward points calculation would be

        (20,000 / 150 ) * 5 = 666.66 points.

        However, it still less than SBI prime.

        Reply
      2. Indra Singh rouriya

        Calculation for Diners would be – 133.33*5 = 666.65 which is good enough. If SBI is providing 20 points forever, then u can go ahead with SBI prime. If it is temporary offer, then better to stick to HDFC diners.

        Reply
      3. Sayan Das

        It is eitherways. See for diners black you forgot to multiply by 5. For 20 k, you would be getting roughly 666 points. There is simpler way – For Diners Black, you get 3.3% back as rewards. For SBI Prime it is 5% for bill payments. However, SBI charges 1.75%+taxes on rentpay whereas for all other banks it is 0.39%. So it is neck and neck.

        Reply
        1. Himanshu

          Hi,
          I have been paying rent via SBI Prime through RentPay and SBI is charging 0.39% which is same as with other banks.

          Reply
        2. Abhishek Roy

          SBI or any other bank don’t charge any fee from the user or the credit card holder just like other similar billers. The 0.39% is charged by Redgirraffe itself. Effectively, by just giving up 0.39% you can earn 3.33% on Diners Black/Infinia or 5% from SBI Prime. I took SBI Prime primarily for all my autopayments like Rent Pay, Electricity, Insurance Payments. For all these, we get 5% returns. It’s really great to get money for paying utility bills and rent payments. With SBI Prime, rent pay can.easily help you reach your target of 3L an year to get the fees waived off and at the same time, you’ll earn a cool 5% on all your autopayments.

          Reply
  186. Captain Bishuddha Bharatiya

    Sayan Das SBI Prime is charging 0.39% fees for using Redgirraffe. We pay every month from 3 different Prime cards.

    Reply
  187. Sayan Das

    They were charging 1.75% + taxes when they started. Good to know that they have changed that

    Reply
  188. Varuna Chaudhary

    Diners black with fee or regalia LTF ? Which option is better? Please guide.

    Reply
  189. Anand

    Hi All,

    I have received the diners club black yesterday. Earlier I was holding Money back card with CL of 22,000 for almost 7 years. Recently after reading through this blog I have decided to give a try for upgrading into DCB. My net take home salary was little short of 21 lakh per annum, however HDFC approved my card with CL of 4 lakh rupees.

    Reply
  190. Aniket

    Recently Nobroker has started rent payment facility via credit card and they are chraging 0 fees. However you have to pay the rent directly from nobroker app/ website as it is not registered as a biller with any bank.
    Btw i got my DCB with 4 lakh limit upgraded from dinners premium thanks Siddharth for your blog.

    Reply
  191. Ankit

    Tried applying twice for Diners Club black. I have 50L gross salary, multiple premium cards with total limit of 18L and annual spends of 7-8L. But rejected both time on call by HDFC rep.

    They are saying I need to hold a salary account with HDFC, else they cannot issue me this card. This is quite a ridiculous criteria. Given my spends, they can make a lot of money on my spends. Not sure if there is still a way to get this card.

    Reply
    1. Prashant Gupta

      U have 2 options to apply. 1. Visit a branch and get hold of a RM and pressurise him.
      2. Download card application from the website and send it aling with docs to chennai and follow up after it is delivered.

      Reply
      1. Ankit

        Planning to do the first this weekend by going to HDFC branch and asking them what they want to give me DCB.

        Reply
    2. Sharathkumar Anbu

      Hi Ankit,

      You could try applying for lower variant credit card Diners Club Miles then upgrade it after 6 months.

      Reply
      1. Ankit

        I applied through the branch. They were more than happy to at least take my application and give me the card free for first year doing 3 transactions in first 3 months or something like that.

        Just waiting for it to get approved now.

        Reply
  192. Sharathkumar Anbu

    Does anyone have idea about when the automatic Credit Limit enhancement offers will trigger in HDFC?

    My Credit limit was increased manually during May 2018 before statement generation. It’s been 6 months since the last credit limit enhancement.

    Yesterday my statement got generated. In total, I have spent more than 10 lakhs in the last 6 months. I am waiting for the CL enhancement offer but not sure when the offer may get triggered.

    Any one have idea like whether it is in the month of beginning or month end or x or y days after statement generation?

    Your information will be much helpful for me. Thank you in advance!

    Reply
    1. Prashant Gupta

      Difficult to say….it has been random with me. Best is ask the customer care and if they reject send the limit enhancement form. If lucky your limit will increase. Btw have u ever sprnt near to your limit and whats ur limit.

      Reply
      1. Sharathkumar Anbu

        My credit limit was 4 lakhs when they upgraded the card to Diners black.

        In the last month, I have spent around 3.5 Lakhs during Diwali season.

        Every time my bill used to be always more than 1.2 Lakhs. Spent around 11.5 Lakhs in 6 months.

        Hope they increase the credit limit.

        In your random instances, any idea about the dates when the offer was issued and it’s relationship with statement generation date?

        Reply
        1. Mouli

          I also had 4.5 Lakhs limit in DCB and I maxed out lot of times and paid in advance few times even after 1 year they didn’t offer any Limit Enhancement and then I escalate the issue through my RM and then they increased the limit to 5.4 Lakhs

          Reply
          1. Sharathkumar Anbu

            When you escalated the issue via RM, Did they ask you submit income documents?

    2. Vikram

      From what i noticed, LE happens when you maintain good balance. But luck has to be your side too. 10L spend is high and im curious to know where you are spending money apart from regular shopping.

      Reply
      1. Sharathkumar Anbu

        I am a HDFC preferred customer. By default 2+ Lakhs balance need to be maintained. I maintain good balance too.

        We recently purchased lot of things for our new home and jewellery, family trips etc..

        Any idea about when LE get triggered for you and it’s relation with statement date or last CL enhancement?

        Reply
    3. Sharathkumar Anbu

      Hurray! My credit limit enhanced to 5 lakhs from 4 lakhs today. I used to check the credit limit enhancement tab everyday 😛 Today when I checked in the morning, I got a surprise with limit enhancement.

      Happy. With this I think I can apply for SC Ultimate credit card and grab it as well. !!

      Reply
  193. Sateesh G

    This was my second review about this card. I’ve got this card in the month of july-2k18 with first year free and within these 5months I’ve booked 8 flight tickets which worth 30k at free of cost with the help of 10X reward points. And the good part is, redemption charge 99 rupees was not charged. 10x reward points offer extended till March 2019. Thanks to royal dcb card and thank you Sidharth sir.

    Reply
  194. SHILADITYA CHAUDHURY

    I am planning to apply for this card soon.
    I will be upgrading from Diners Premioum with 6L Credit limit.
    Can I get the card life time free or at least 1st year free?
    Also, I am curious to know what you guys use for redemption apart from flight tikcets.
    Are there any other good redemption options like Amazon vouchers?
    WOrst thing is to have a bunch of points which can’t be redeemed

    Reply
    1. Satish Kumar Agarwal

      @Shiladitya
      Only 1st year free option. No amazon gv. Best use for family trip to domestic or international trip. Book flights n hotels.

      Reply
    2. Rohit

      I use it for hotels as well and try the find ones that are competitively priced on the diners portal.

      Reply
  195. Debbarma

    A zillion thanks to the blogger Siddharth, A Roy & members, I am so excited to share my experience.
    I am far behind from the eligibility of the DCB and I have calculated it, it will be possible only after 10 years the way salary increase and promotion system in my organisation.

    I hold Diner Premium CC. It’s always my primary CC even for wallet loading and buying daily milk from Mother Dairy at 42/-. Most of the time my CC billed around 30K – 50K/month and on September it was 95K. I have also offered by HDFC for Diner ClubMiles but ignore it straight away. On May (6 months ago from today) CC limit was increased to 500K through HDFC net banking (for card user only). Since that months, after every month statement generation, I used to check my card upgrade and limit increase from the drop down tab in HDFC net banking.

    Today I was offered DCB with an annual fee of 5K, without losing a second I have confirmed the acceptance. Now status show “transferred'”.

    Now I strongly agree with the word of Mr Siddharth, there is no preset limit or eligibility in HDFC and they offer their super premium card to their good customers.

    My Christmas Gift ‘DCB’.

    Reply
    1. Vaibhav

      i have not got any upgrade to DCB even after spending 15 lacs in last 2 years on diners club miles 🙁

      debbrama wahst ur CTC?

      Reply
    2. Satish Kumar Agarwal

      @Debbarma

      Since how long you are using Diners Premium card ?
      Do you have savings account with HDFC ?
      If you have account, whats your relationship value with them ?
      Thanks in advance.

      Reply
    3. Abhishek Roy

      Big Congratulations there mate!!!! Welcome to the Super Premium Club.

      Reply
    4. Prashant Gupta

      Thats great. My wifes regalia limit has been upgraded twice in last 10 months. From 2l to 7.22l. I only did 2 txs on card worth a lakh and subsequently got limit increase. Now its time to welcome second dcb 😀. Will try to split limit into dcb and regalia.

      As i have already got scb ultimate i am thinking of not upgrading my dcb into infinia.
      Btw my scb limit has also been almost doubled withing 2 months of usage.

      Its a loss for yes bank as they have again offered to increase limit on YFP but not upgrade.

      Reply
    5. Captain Bishuddha Bharatiya

      Debbarma congratulations.
      1. How much was your old credit limit ?
      2. How much balance you maintain in your saving ac. and what other investments you have with HDFC ?
      3. When was your first credit card issued ?

      Reply
  196. Praveen Katiyar

    Dear Siddharth..
    Thanks for helping all of us, keep up the good work. Kindly help me.
    I hold HDFC Moneyback card (more than 6 years old with current limit 4.93L).
    I also have Yes First Preferred card LTF (hence Priority Membership & complimentary visits on it too).
    Recently I got a chance to get Regalia LTF or HDFC Diners Black LTF (though i dont believe LTF on that), please advice which one i should go for.
    If DCB is not LTF and Im being offered Regalia LTF should i go for it looking at benefits which i already have.

    Thanks in advance.

    Reply
    1. Vikas Mehta

      Depends on your spending pattern. I would have taken Diners club black anyday. Infact i hold diners club black.
      Even though it has annual fee of 5000rs plus gst…you get 5000 reward points. Easy to get first year fee waived off.

      Reply
  197. Praveen Katiyar

    Hi Siddharth,

    If im offered HDFC Regalia & HDFC Diners Club Premium, both LTF which one I should go for.

    I already have Priority Pass & complimentary visit & Low Foreign Mark up fee through Yes First Preferred.

    Thanks in Advance.

    Reply
  198. SHILADITYA CHAUDHURY

    I applied for the upgrade to Diners black – downloaded the upgrade form , filled it and sent to Chennai office.
    Currently hold Diners premium with 6L limit.
    I have provided payslips and bank statement.
    ITR is well above 50L.
    Whats the chances of getting approved?
    How long they take to respond? Will I get a call from them?

    Reply
  199. Mahesh

    Thanks to Siddarth and Roy.
    I’m upgraded to Diners black. It’s been a year. It started with jet titanium with 97k limit. I sent upgrade form for jet World but it got rejected in Jan 18 (That is when I started reading card expert. In) .Got an upgrade for jet platinum, availed in Jan. In June sent an upgrade form for diners club miles, it got approved with same limit 97k. In August reopened my hdfc savings account which was dormant many years. Applied limit enhancement thru branch and increased to 2.5l. In sep applied for 50k instant loan. In Nov sent upgrade form for diners black and it got rejected. In Dec sent upgrade form for diners black, in meantime of processing i applied the following in 3 days time as I needed funds for share market and which I’ll pre close within 6 months
    1)Instant loan of 1.5l
    2)Jumbo loan of 3l
    3)Instant loan of 10k.
    Total loan of 5.1 l and emi of products for 10 k. I have spent 6 l from Jan till now.
    Voilà.. It got approved and I’m receiving tomorrow and limit enhanced to 4 lakhs. Thanks to authors and members who have given their contribution thru posts and comments.

    Reply
  200. SHILADITYA CHAUDHURY

    I had sent an aplication to upgrade by Diners Premium to Black as mentioned above and today I got the Diners Black card delivered without any phone calls or any other communication from HDFC bank.
    I dont know if its chargeable or 1st year is free.

    I have a question – If I buy a smartphone through flipkart and convert it to EMI, will I get th1 10X points as well?
    Sometimes there is a bank offer like instant 10% discount on the website. In that case, will I get the 10X points?

    Reply
    1. Vikas Mehta

      Regarding 10x with EMI, contact customer care and confirm

      10x reward is given for the final amount paid. You can available any discount which is available on flipkart website. Make sure you are buying by redirecting from smartbuy to earn reward points.

      Reply
  201. Ravi

    Siddharth – I really like your detailed articles and with that knowledge I have gradually upgraded my cards in the last 2 years.

    I have Yes preferred (limit-3.1L) and Amex MRCC (limit-4L) both life-time free.

    For 10x offers, how about using HDFC debit card to get 10% cash back ?

    Does it make sense to have Diner’s black as I normally don’t fly. They are offering this as I am eligible and first year should be free. Next year free basis spends above 5L which may be difficult for me considering YFP utilised more often. AMEX is also under utilised for me at the moment. Or you can suggest any other card.
    Thanks in advance

    Reply
    1. Ravi

      I am going to be a HDFC preferred customer in this month. Recently I am seeing lot of offers from Hdfc for debit card users as well.
      One thing which is not clear is if the 5X and 10X offers will stay after March 2019 so diners may actually be so much beneficial or not.

      Can you suggest if HDFC Diner’s black make sense or any other card you can suggest.

      I will be highly obliged for your guidance.

      Reply
  202. Raks

    Can someone confirm if
    1. Do we get auto limit enhancement on DCB only after 1 year completion ? Or possible after 6 months ? As I have completed 10 months now and waiting for auto LE.

    2. I have spent more than 50L on this card and paid alot in forex markup( >15k) and maxed out 3 times out of 8 months.. what chances for me to expect atleast 6L limit (current limit is 4L).

    3. I’m preferred ac holder from more than a year now with DCB spends more than 60L (by April 2019) , what chances for me to get Infinia invite.

    Thanks in advance !

    Reply
  203. Rohit roy

    Hi all
    I am using Regalia LTF and have been offered Diners Black. I have read about limited POS availabilty in india. I am holding only one card so my dependency is high. I have requested for Infinia but i am sure it would be difficult to obtain that. Can people using it let me know how widely i can use Diners black for retail shopping. Already i would be loosing 1 Lakh plus with LIC as they dont accept Diners card. What about lounge access for Ad on card. Regalia I get 6 for international and my father used to use it. For diners i have noticed that its only for Primary. Did they remove Joining Fee of 10000. Now it only shows as Annual fee of 5K+GST. Thanks in advance.

    Reply
    1. Abhishek Roy

      You can pay through Diners card for LIC by registering through SmartPay biller. Joining fees and annual fees is both ₹5000+GST . They have reduced the joining fees from 10K to 5K.

      Reply
      1. Rohit roy

        @Abhishek Roy
        Thanks for the info. Will I get reward points for paying LIC though smart pay? Also can i set payment date because its mentioned as payment would be done before 8 days of renewal date and generally i pay few days before grace period. Thank You.

        Reply
        1. Abhishek Roy

          Don’t worry about it. You will get all the points just like a normal purchase. At the same time, you don’t even have to worry about bill date. LIC will generate the bill and present it to HDFC on time. The payment will always be 3-4 days before the end of grace period (one month grace period is there after the original due date). Just while setting up the biller, choose Autopay option. Don’t worry about date. It will be automatically taken care by the system. You will never have to pay any late fees. Period.

          Reply
          1. Rohit Roy

            @Abhishek roy
            Thanks for the info. I told the bank to send me the card after april since i am traveling out of India and i want to use priority pass for both ADD-on and myself which i would miss with Black card. In meanwhile tomorrow I am planning to go to yes bank and ask them about yes preferred as a backup card. Not sure in how many days they can issue also there seems to be some offer with LTF 🙂 . I declined ICICI Rubyx LTF card because I found some mischief. They are giving lame reasons about not giving a return statement on LTF even after i mailed my RM and i already got deceived once by the manager of the branch. So i will not repeat the same mistake twice absolutely horrible and unprofessional experience. By the way never in my life i missed dates 🙂 when it comes to payments. Also today i escalated to HDFC regarding reward points for not being transparent . Biggest con with HDFC especially purchase from amazon and flipkart through smart buy.

  204. Arjun

    Hi Siddharth,

    I have bought a laptop worth 52k on emi from Flipkart though smartbuy platform,
    Will I get 10X RP if I close the emi ?
    Please reply,

    Thanks a lot.

    Reply
  205. Ankit

    Seems like no extension is happening to 10x, else there would have been news already. Should I stock up and use the limit for this month? 🙂

    Any idea on extension?

    Reply
    1. Ankur Mittal

      it’s going to be extended till 30th April, as for corporate cards 10x offer is till 30th April..

      Reply
    2. Tarun

      Why do you say there is no extension happening?

      Normally, HDFC updates only on the last working day of the month/first working day of next month.

      Reply
      1. Ankit

        I very well hope so. Been extremely rewarding to use HDFC Diners Black under this offer – though I seem to have over-spent like crazy.

        Reply
  206. Dr Patil

    Dear Sid
    I received upgrade to Regalia from Regalia first in Oct 2018. My usual spends on Regalia CC is about 30 to 40k per month. 30 k minimum. My take home salary is 93k/month. I dont have any loans with HDFC. Though i intend to buy a car in March next year. I am Probably due for raise in Aug 2019.
    I am a preferred customer and have a RM with HDFC. Is it a right time to request for an upgrade? If my request gets refused, will it hurt my chances of getting Diners black in near future?

    Reply
    1. Prashant Gupta

      You should get regalia as without that u wouldn’t be upgraded to black later. Getting blaxk is difficult these days. You are on track just that ask for limit increae to Rs5l

      Reply
      1. Dr Patil

        Hello sir.
        I have been using Regalia since Oct 2018. My limit is recently increased to 4,68,000.My Monthly salary is 96k. I spoke to my RM regarding upgrade but she refused saying I am not eligible based on my income. My monthly spends usual hover around 50k. Should I fill the upgrade form and send to Chennai? I have HDFC account since 2009.

        Reply
  207. Rishi

    Hi Guys,
    I got the DCB card last month, thanks to this article Siddharth, and most importantly thanks to other friends comments on this page, the comments were more like an FAQ for me to understand the benefits of this card.
    Having used the card for about a month now, I haven’t had one issue with the acceptance.
    Staying in Bangalore, i can say almost all the POS machines issued by most banks accept this card.
    10x benefit is the most important to get this.
    I hold an SCB ultimate card( Now offered only in mastercard variant). But this card stands out with benefits,
    received it for LTF as i hold a Imperia savings account with HDFC.

    earned around 25k points till date, redeemed the same for a round trip business class ticket from BLR to DEL.

    Reply
    1. Ravi

      Rishi – I also received the DCB LTF last week due to my long relationship with the bank. Does your card reflect LTF by the customer care. I am told that it may take a month to 3 months to reflect the same.

      Curious to know if you got Standard chartered ultimate as also LTF.
      Thanks in advance.

      Reply
      1. Rishi

        Hi Ravi,
        The card doesn’t reflect as LTF by the customer care. i think this is done more internally by the RM.
        I have received one month statement from DCB no charges regarding annual/joining fees has been reflected on the statement, so its safe to assume that its LTF 🙂

        Standard Charterd is a charged card. No matter how much business you give them, they wont waive off the fees. but i feel its worth it you get 10k off on makemytrip first purchase.

        cheers

        Reply
        1. Prannoy Ghosh

          Usually DCB Joining Fees is zero but annual charges are inflicted at end of year. So whether or not its LTF, depends at end of year or by customer care after 2-3 months

          Reply
        2. Ravi

          Thanks I hope that should be the case regarding DCB LTF.

          Thats what I have heard regarding SCB ultimate. Only thing is I don’t have any requirement for makemytrip currently. Renewal benefits of 5000 benefits seems better to me as only loss is GST on the renewal and overall fees is less.

          Reply
          1. Prannoy Ghosh

            LTF sounds more reasonable as no loss of GST but there’s a catch here.
            In case of DCB, gains accumulated only can be redeemed in form of 3.3% via Hotels, FLights.

            But in case of SCB Ultimate, gains accumulated can be redeemed outright of 3.3% on anything. Here though loss of GST Rs 900, overall, liquidity is much more.

            SCB Ultimate with fees >>>>> HDFC DCB LTF or HDFC DCB with fees

  208. Sunny Gupta

    I am having a 5.6L limit on regalia, salary slips that qualify with required criteria. The problem is TDS is not deducted from my salary as the company is registered abroad.

    Having status of Imperia. Any pointers on getting hands-on DCB as earlier as possible?

    Reply
  209. Rohit roy

    I have a question for people who got this card paid. In fees it says that :

    “Welcome Benefit of 5,000 Reward Points and renewal benefit of 5000 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off)* Terms & Conditions Apply”

    Do we get 5000 points during 1st statement as welcome benefit ? There is no joining fee now and annual charges would be after 1 year. So curious to know if we get 5000 after getting the card.
    I am asking the bank to make it LTF and if we are getting 5000 as welcome benefit then paid might be good option would be paying GST of 900.

    Reply
    1. Piyush N

      5000 Points would be available only after paying the Renewal Fee of 5000 + Taxes.

      Reply
  210. Nomdeplume

    Hello Sid, and Fellow value maximizers

    Seeking an opinion from the Hive-mind

    I currently hold the following cards:
    Citi Rewards (since 2003)
    Premiermiles (since 2011)
    Axis Vistara Infinite
    StanC Visa infinite (part of relationship benefit; I’m eligible for Ultimate and will get around to claim it this month)

    My limits are in the mid-high 6 digits/ early 7 digits in each card (except Vistara strangely)

    Axis Vistara benefits are maxed out with >7.5L spends done its a great card and I’ll stick with it for a while
    Will hold on to Citi because I value the length of relationship with them

    Have never banked with HDFC, but I’m keen on acquiring the DCB (only Black – don’t want the treadmill of getting a mediocre card first and then upgrade. ITR is not a problem but don’t wanna tie up funds in a premium relationship with them right now

    So pls give me your honest assessment on:
    1. Whether I’ll get the DCB straightaway with only a basic account with HDFC – say AQB of Rs 10k
    2. Whether I should apply for both DCB and ultimate in the same month – would that lead to a ding in my score?

    Any recommendation most welcome

    Thanx

    Reply
    1. Mouli

      Nomdeplume

      Impossible to get HDFC DCB directly with your existing relationship with HDFC

      Reply
    2. Prashant Gupta

      You can get dcb directly by
      1. Showing your ITR if its greater than Rs21l
      And
      2. Opening a normal savings account.

      Visit the branch and apply.

      Reply
    3. S&S

      Hi
      If I were you I’d wait till May 31st to apply for DCB.
      But given how they are reducing the 10x durations to intervals of 1 month for smartbuy vs 3/4 months last few years, 10x itself being eased may not be an incorrect reading.
      It also needs some crazy spends to justify achieving 25K points per month with the other 10x partners.
      With your old relationship with Citibank and probably your ITR, getting Citi Prestige (CP), combining Rewards and Premier Miles credit lines to CP may not be entirely out of place.
      I’m presuming you are a high spender, given the Axis Vistara usage that you have detailed.
      CP may just complement your lifestyle well in that case (Even if it means adding another Visa Infinite to your kitty!).
      But the value and earn CP offers at its current annual fees is unbeatable.
      Having an MRCC to kick off things with Amex may not be a bad ploy too.

      Cheers
      S&S

      Reply
  211. Rajeev

    Siddharth,

    I learned a lot about credit cards from the posts on cardexpert and is regular reader of this now.

    I have a query on forex load/reload. HDFC credit cards provide 10X reward on loading/reloading a forex card issued by HDFC Bank with a cap of 5000 reward points per month.

    Do you have any idea about can someone avail 10X reward on add on credit cards separately or the limit of 5,000 reward points per month under 10X reward for forex load/reload is for primary and all add on cards combined?

    Reply
  212. Piyush N

    Currently using Jet Privilege Platinum with limit of 1.25L. Salary is around 1.5L. Have been using HDFC Cards since 9 years. Do you think they can allow me to upgrade to Black or Regalia?

    Reply
    1. Himanshu kainth

      Piyush,

      As you have said you are having HDFC card for 9 years. I am very sure they will swap your card to regalia or maybe diners black. Your salary is eligible for holding hdfc regalia. Just send Card upgrade + LE form with income docs to chennai.

      Reply
  213. Ayush Agrawal

    I’ve been applying on their website for this card, but no call backs. I had a Jet platinum card with a limit of 5 lakhs which I’ve now discontinued. Want the Black card now. Anyone with a referral link? Or any other means to get through to their acquisition team?

    Reply
    1. Tejas Ghongadi

      Which HDFC card are you holding now?

      I got hold of the Regalia with a 5 Lac limit in August 2018. Did some decent spending in the initial 4-5 months post which I got the SCB Ultimate and moved all my spends majorly on SCB Ultimate with rare ones on other cards. A couple of weeks back, I decided to write an email to HDFC Customer support asking for an upgrade citing the reason of Regalia devaluation in terms of Lounge Accesses. They asked me to fill the Upgrade Request form and send alongwith the necessary income proof to check eligibility. Sent it on 14-Jul through Courier and the DCB card was dispatched on 21-Jul, expected to be received on 22-Jul.

      I did not meet the eligibility criteria of DCB as per the website. However, my credit card usage (All kinds of) dates back about 8 years and with a very good CIBIL score. Probably the reason why my upgrade was accepted.

      Reply
      1. Dr Patil

        Congratulations on your DCB card.
        Just some queries.
        1. Would you mind sharing your ITR? Mine is 96k/month.
        2. Do u mean May 22? Even I am using Regalia since Oct 2018.
        3. Did you send the physical form to Chennai?

        Reply
        1. Tejas Ghongadi

          1. I sent last 6 Months salary slips. Due to some additional bonuses & leave encashments, my avg. income per month over 6 months got bumped up to approx. 1.4 Lacs / Month. From my previous experiences with banks, I understand that they look at the average income over 6 months instead of fixed monthly income. Either way, I wasn’t meeting the eligibility criteria of the card.
          2. My bad. I meant May & not July.
          3. Yes. Physical Form alongwith Salary Slips & Bank Statement of 6 Months

          Reply
      2. Nihar

        @Tejas is the SCB ultimata an upgrade or a new card.
        And did u get it FYF / LTF or at normal rate of 5 K + GST. I hold a Manhattan card and don’t find much value into it , would try for an upgrade .
        Thanks

        Reply
    1. Tejas Ghongadi

      First Year Free. As of now, I have not heard anybody getting the DCB as LTF.

      Reply
    2. Dharmendra Singh

      Hi Sid,
      I am following you blogs since long and a big fan of yours. I have a question.
      If I am purchasing something on flipkart/Amazon/Tatacliq/hdfcsmartbuy with no cost emi or emi with interest, will that transaction be elibigle for getting 10 x rewards. As it is written on HDFC diners website that emi purchases are not entitled for 10 x.

      Reply
  214. Darshak Trivedi

    Hi, I have send my documents via speedpost to HDFC credit card division, Chennai for my card upgrade to Diners club. However, as per the message received from Post Office, the package with all docs was delivered on 14th but I am not yet received any response/acknowledgement from HDFC on my upgrade request. Do they update on the progress or they dont? I mean do they reply as well in case of rejection?

    Reply
    1. Ashish Nikhare

      If you are upgraded, you would come to know about it in your Netbanking – Cards section within 3 working days. If not, you will receive a rejection letter by normal post within 2-3 weeks. Thats it. Hope you get upgraded !

      Reply
  215. Sandeep

    Is this card provided for NRI customers?
    I have a Cibil score of 869
    I am an HFDC preferred customer in a small branch for last 14 years.
    I am looking for a card with unlimited lounge access . (In my new job i have to make lots of international travels)
    When i asked for a Diners black card the relationship officer told me that It cannot be issued for NRI customers.
    The Infinia requires to pledge an FD of minimum 12L . which i cannot do at present as i am building a house.
    I require a card with 2-3 Lakh limit only, i was ready to give till 5L FD, Only condition was I need an unlimited Lounge access card .
    (We had a good relation with the branch and have preferred accounts for my whole family, we have FD, Property loan, RD, share trading account etc with HDFC, The present relationship manager is a new guy. Is there any way i can get DCB/ Infinia card by approaching any other HDFC branches in the city – When i applied online, they asked me to contact nearby branch)

    Reply
    1. MT

      in m opinion , talk to branch manager , that 12L for infinia is just a way for the RM to meet his own target , needs a bit of arm twisting now , make the BM aware of your relationship with the bank and question as to why you should keep giving business to his branch… if it still doesnt work , hard luck , go and buy priority pass independently for $429 + $10 delivery fee , promo codes may get you a 10% discount , i personally value each lounge visit at Rs 1500 , so more than 22 visits in a year will be worth the 429$ fee

      Reply
  216. Dr Pankaj Gupta

    hi
    i am 2 queries regarding DCB
    1. can netsafe card be generated for DCB or is this facility only for VISA and Mastercard cards
    2. does NPS website accept payment by Diners credit cards

    Reply
    1. Prashant Gupta

      Netsafe can be generated……dont know about NPS, others can comment.

      Reply
      1. Prashant Gupta

        I make payments using password instead of pin online.

        Reply
    2. Points Pandit

      NPS: No. It recognizes the card as Rupay card but transaction vets rejected.

      Reply
  217. Tejas

    Has anybody received a 5X Offer on Fuel Spends for the DCB Card?

    One of my friend has received it over email and he shared a screenshot of the same.

    Reply
  218. Amit

    Hello everyone.
    I am an HDFC CC holder since 2010 and using Regalia since 11 months.
    I am a preferred customer.
    My previous CTC was 12 lac per annum. My CL is 4.7 lac per month. I had asked my RM multiple times to upgrade to DCB but she refused saying I am not eligible. My credit card spends are around 6 to 7 lac per year
    I am currently changing my job and my CTC shall be 17 L per annum.
    Will I be eligible for upgrade?
    Should i speak to RM or send forms to Chennai?

    Reply
  219. Aneesh

    I’ve been reading that diners club black doesn’t work on HDFC’s own PayZapp application. Is it true? And what’s the acceptance rate now? Are more bank pos machines accepting it now?

    Reply
  220. Aneesh T

    How is the acceptability of DCB as of mid 2019 in India and abroad? Anyone with any inputs?

    I’m up for upgrade to DCB from Regalia. Do I go ahead or get another VISA or Master card?

    Reply
      1. Prashant Gupta

        Yup excellent in india but u need backup outside….card didnt worked in Hong kong, Scotland….going to maldives hope it works there as i have to make large payment in USD there.

        Reply
        1. Neo

          it had 0 acceptance in Seychelles. Hoping you have better luck in Maldives, Prashant

          Reply
    1. Binay

      It was 50-50 in Europe as well.
      Has good acceptance in Italy, but France, Switzerland and Greece are hit or miss.

      Reply
  221. Satyajit Mahapatro

    Hi Sid

    First of all i would like to appreciate you for your great work on this website. I havent learnt as much about credit cards in my life , as i did from reading your blogs for last 2-3 days. Best part is even users comments are informative.

    I had a question regarding paying ones rent via credit card. I have HDFC Regalia, Stancy Ultimate with me.
    I can apply for SBI Prime as well. Can you please let me know where will i get max rewards/cashbacks as some of the comments said SBI prime is 5%, stancy is 3.3% (is it valid for rent as well) , Regalia is 1.3%

    My monthly rent is 25k.

    Thanks
    Satya

    Reply
  222. Ishan Rana

    Hi,

    I have to make a payment around 14 lakhs in GBP to an account in the UK. In case I do it by DCB, would I get points for such a transaction which is not a retail spend and how many points would I get?

    Regards,
    Ishan Rana

    Reply
    1. Chintan

      I guess yes, you will get around 46500 points for that transaction.

      Reply
  223. Kumar

    Diners is again running 10x offers from Aug to Dec ’19. 10x via smartybuy with a cap of 15k and partner stores 10x with a monthly cap of 25k.
    Is there anything else we can buy with these points other than flights? Can I get gift cards?
    I have a relationship with HDFC since 2013. It used to be my salary account but not anymore. I have a HDFC moneyback card that is lifetime free with a limit of 3.68L. My ITR 2 initial gross is 21.78L for the last financial year before HRA, 80C and other deductions. Am I eligible for this card and how to get a discount of the 5k fee?
    Current other cards: Yes first preferred, Citi IOCL, ICICI Amazon card, SBI Simpliclick and Amex MRCC

    Reply
  224. Aditya

    Please solve this case @Sid:
    Let’s say an airport has 3 lounges. I swiped my diners black card there and I didn’t find any good eatable item there(just a hypothesis) so I came out within 5 mins and head towards the another lounge. Let’s say there also same thing happens and I head towards the third lounge and swiped my diners black card again. So, in this case will I be charged for my 2nd and 3rd swipe (Note: all swipes occurred on the same day)

    Reply
    1. Siddharth Post author

      No charges. I do it often, so as to give some revenue to the lounges 🙂

      Reply
      1. Mouli

        Sid

        Like in Chennai ,if both the lounges are owned by same group (TFS) will it still work?

        Reply
        1. Siddharth Post author

          Yes, they still use different swipe terminals with descriptions as “Travel Club Domestic” & “Travel Club Lounge”. It works.

          As I said, I always visit one of the lounge for 5 mins 🙂

          Reply
    2. Abhishek Roy

      @Aditya
      In a single day, you can swipe your way into unlimited number of “different “ lounges. The criteria is not to sign back into the same lounge again in a single day. You might get charged for that (The card Issuer may think you swiped your card twice to eat your family member inside). Otherwise, you can swipe your card at two/different different lounges within 5 10 mins, doesn’t matter. I have done it twice in Abu Dhabi (Al Dhabi and Al Reem Lounge). Works like a charm. I didn’t like Al Reem much so I went away after 15 mins to Al Dhabi Lounge

      Reply
  225. bhautik

    I spend around 7 lakh on utility bill monthly ,so my question is this card would benefit more or any other card ,kindly mention below.

    Reply
  226. Sukant

    Hi, Finally upgraded to DCB from Regalia first after 10 months of usage. Feeling good.

    Reply
  227. Suman S

    1) LTF upgrade to Yes First Exclusive
    2) Upgrade to Diners Club Black (No joining fee. But annual fee applicable if spends less than 5 lakhs.)

    Which is a better upgrade in terms of rewards and benefits?

    Reply
    1. Vivek

      If you are getting YFE as LTF then why not simply take both. Depending on offers you can choose which one to use. Otherwise it depends on your usage. DCB has better rewards but YFE being a MasterCard would be more widely accepted specially if you travel out.

      Reply
  228. GS

    Recently applied for upgrade from Club Miles to Diners Black. It got approved and I got the card within two weeks , which is great.

    However , I had 32k points on my previous card which got reduced to 16k . Looking at HDFC’s upgrade form , the conversion seems to be100% and therefore I sent emails to customer care . But they are just emailing the conversion is as per policy, and not providing me the details.

    1 . Has anyone upgraded from Club miles to Black & what’s conversion rate you got?
    2. If answer is 100%, then how to reach out to HDFC to correct the same ?

    Reply
  229. Prashant Gupta

    The card didnt work in Maldives. So for me the list where it didnt work:
    HK, Macau, Maldives, Scotland.

    Reply
  230. Vivek

    Thanks Sid and everyone for the information.
    Based on the feedback I recently applied for DCB and it got delivered today (within 10 days of application).
    Currently some program is going on that if you spend 1.5L within 3 months even your first year fees will be waived off. The person who collected my documents said they are also considering LTF, but only to select customers. Not sure if that’s true.
    Hope to earn good rewards with usage.

    Reply
  231. M S MURTY

    hi sid all,
    at last, today 26-08-2019, received DCB. earlier reward points converted to 50% in new DCB.
    can you please enlist the strategies to improve the increase of RP, in seperate categories like– smartbuy/DC Partners/ others–viz, reloading of forexplus card and foreign spendings etc

    thx,
    m.s.murty

    Reply
  232. Ravi

    Hi Siddharth,
    I am using freedom credit card since last 3 years and have limit of 5 Lacs. I am also a preferred customer (Salary A/C) for more than a year. I spend 40k with cc every month but neither my salary or itr is more than 10 lacs. Any chance that I can get diners black card?

    Reply
  233. Dr Patil

    Congrats ti all who got approval for Diners black recently.
    @MSMurty, Vuvek and GS. Did you all fulfil the criteria for 21lac ITR? If no then what did the trick for you?
    I am using Regalia for past 13 months. Credit limit 4.68 lac. My salary doesnt meet the criteria. I have CTC of 17 lac. My usage is approx 50k per month. This month i dpend anout 3.5 lac as i booked some flight tickets and bought a phone. When do i apply?

    Reply
  234. Vivek

    Hi,
    Just saw their rewards catelouge, the best conversion is RP 1 = Rs. 0.5 of gift card. So effectively the rewards rate goes down to 1.5%. For items like iPhone it will be RP 1 = Rs. 0.25.
    When we do travel bookings are we able to use the various discount codes?
    Is there a better way to use the points for max benefit or is my understanding flawed.
    Thanks.

    Reply
    1. raulnayak

      They have a special portal where you can book flights and tickets @ 1RP=1 Rs.

      Another option is to convert the reward points into Miles with British Airways, Air Vistara & Singapore Airlines.

      You can also convert to Trident Privilege and use that to stay in 5 star hotels.

      While the reward rate with miles varies with what the hotel/flight pricing is when you book it vs the award rate; the portal which can now be accessed on smartbuy can give you a fixed rate of 1RP=1 Rs.

      Reply
  235. Captain Bishuddha Bharatiya

    After pressurizing my R.M. for 20 minutes for Diners Black I have received following email –
    ” This in continuation with our interim response dated September 09, 2019 regarding your HDFC Bank credit card account.
    We note from your e-mail that you wish to upgrade your existing Regalia credit card to Diners Black credit card. Basis your request, we have reviewed the same and glad to inform you that, we shall upgrade your Regalia credit card to Diners Black credit card a first year free from annual membership fee.
    Please note that the reward points earned in your existing credit card will not be transferred completely and the same would be transferred only on pro-rata basis as per the new credit card’s product feature. Having said this, we would request you to check and provide your consent along with duly filled upgrade request form (scanned copy) vide reply this e-mail for enable us to review further. ”

    Does this mean that I will surely get Diner’s Black or they might still decline it ?
    I have only send the upgrade form and not my ITR. Is it ok ?

    Reply
    1. Shawn

      I recently had my Jet Signature Card converted to Regalia over email escalation to the priority redressal desk. At the time I was also asked to provide my consent over email, and attach the duly signed and scanned upgrade form. I was not asked to attach any financials. The request was processed 3 working days later. Hope this helps

      Reply
  236. ARR

    Hi Captain,
    Congratulations on your Diners Black.
    Can you elaborate the process of getting the upgrade?
    What relationship do you have with the HDFC?(classic/imperia/ loans….)
    How long have you been using the Regalia card and how much limit does it have?
    What was your monthly spending pattern on this card?

    Reply
  237. Captain Bishuddha Bharatiya

    ARR thanks for the compliment but I am not 100% sure that I will receive the card.
    I pressurized my R.M. over the phone for special approval.
    I have virtual preferred ac. from more than 4 years and I maintain less than Rs. 10k in it.
    My Regalia is 2 months old but total credit card history with HDFC is from 4 years. Regalia’s limit is Rs. 4,00,000.
    My annual spends was more than Rs. 11,00,000 ( Rupees eleven lakhs ) and most of the spends was for rental payments through Redgiraffee. 10-20 % of spends was for Flipkart, Amazon and smartbuy.
    I also do recurring deposits of Rs. 1,000 and mutual funds of Rs. 2,500 per month through HDFC. I recently opened a deemat ac. and purchased shares of Rs. 15,000.

    Reply
    1. Vipy

      Hi Captain, did you request for an upgrade via email or sent the upgrade form to hdfc bank?

      Reply
  238. Dr.Vinod Kannan

    @Captain : Yes, U ll surely get the Dinersclub Black Card. U just need to Send ur Card Upgrade Form after Signing and Scanning it.

    Reply
  239. SR

    Currently I hold Regalia with limit 6.59 lakhs and waiting for upgrade to Diners Club Black card.
    Will the trigger in Netbanking for Upgrade is automatic where you dont have to submit income/salary proofs?

    I got recently Limit enhancements but relying on upgrade without any document submission as I am an NRI and cant submit INR salary proofs.

    If it is not automatic ,then I will go with FD route where RM asked for 6 lakhs deposit for Diners Black.

    Reply
    1. Mickey

      Captain that is really good! Didn’t you recently only get auto-upgrade through netbanking to Regalia? And now so fast to DCB!

      Surely this changes the rules, we all thought the minimum waiting period between upgrades is at least 6 months

      Reply
      1. Captain Bishuddha Bharatiya

        Mickey even I am surprised and at the same time I am immensely happy. I haven’t even completed 2 months with my Regalia and I got upgraded to Black. I will be making huge profit from 10X program if HDFC posts reward points honestly.
        Thanks Siddharth it has became possible only because of you. Thanks a trillion time.

        Reply
    2. Sid S

      @Captain,
      Congrats on your dcb. Can you share the previous card, limit, spends etc?

      Reply
      1. Captain Bishuddha Bharatiya

        Sid S thanks. I have already answered these questions above dated 16th September 2019.

        Reply
  240. Murtaza

    I was wondering what are the chances of my LFT dinners miles with LMT 4lks to be converted to dinners black LFT

    Reply
    1. RV

      It depends on your relationship with the bank. If you are not eligible but have a good relationship like preferred/imperia, you have 70% chances otherwise 40%.

      Reply
  241. NewDiners

    I was given a LTF diners black in April. The form clearly said Life time free. Now I have been charged and the customer care has written back saying it is chargeable. What should I do?

    Reply
    1. Prashant Gupta

      Its always first year free. If you have some proof then share with customer care otherwise you need to pay the fees.

      Reply
      1. Rohit roy

        @Prashant Gupta
        I wanted to know whether we get 5000 reward points after 1st year Renewal fee is charged ? How soon do we get the 5000 reward points after fee paid ? I have been offered 1st year fee waiver in the upgrade form given but nothing is mentioned about getting 5000 equivalent reward points after the fee is paid.

        Reply
    2. GTMAX

      I do not think there is any form which states Diners Black as Lifetime Free. However, you can certainly get it as Lifetime Free basis certain internal special approvals. If you have taken a confirmation on email about it being LTF after you had received the card or if you can get some details from the person who processed your card as LTF, you can share it with customer service team.

      Reply
      1. NewDiners

        To clarify, this was approved in April. I applied for diners black and the RM told me it was LTF if I opened an account. They then sent club miles which I wrote back isn’t what I opted for. They said can’t offer black, I told RM and he got that approved. So it’s actually first year, and they have charged suddenly after 4 months. RM keeps saying he will get it reversed but cc has written saying its chargeable.

        That’s the problem, I didn’t take anything in writing from RM. I have asked him to send it to me now, let’s see.

        Reply
        1. Rohit roy

          @NewDiners
          Unfortunately you have been deceived by RM. Even though you have proof the management would do nothing since something similar happened to my card. I have an upgrade form and very clearly it says that only 1st year is free and after 120 days of renewal period if we dont meet 5 lakh spend in 12 months then fee would be charged. Could you let me know including GST how much did they bill also did you get 5000 renewal points ? I am more concerned about 5000 renewal points since HDFC is famous for not giving points on time.

          Reply
  242. BINU JOSE

    Hi Sidharth,
    Your blog is very good, or rather is an encyclopedia on Indian Credit Cards.. After knowing about Diners Black I requested for a upgrade of my Regalia..It was done without any questions only a upgrade form had to be sent physically. My salary slip was not shared, as I don’t meet the slab. But my limit was above 5 lakh..
    ** Will we get 3.3% rewards for wallet loading ?
    Keep up the good work…

    Reply
  243. Pet

    Customer service is really bad for hdfc dinners black. They booked my tickets with wrong name and now not solving this problem for last one month. Nothing beats amex in customer service. Just to caution everyone.

    Reply
    1. Balpreet Singh

      I had a similar wrong spelling of name issue with Diners Black conceirge. But that was handled well. One airline Air India, didnt do that change of spelling. But overall prompt action from HDFC side

      Reply
  244. Sanvee

    Hey!
    My dad has this credit card. Can i use it for an international lounge access? He won’t be travelling along.

    Reply
    1. Prashant Gupta

      I dont think u can. They check the name in boarding card to verify. U can still try though.

      Reply
    2. Suresh

      No, most of the international lounges check the name of boarding pass against the card.

      Reply
  245. Shriyansh

    Hey! This looks like the best and most rewarding card out there. And I recently applied for it.

    I understand that it gives 10k rewards as joining reward, there are 15k limits on smartbuy and 25k rewards limit on 9X partners.

    I just have two questions-

    1. These limits and rewards are independent of each other? For example – in the first month I can get in a total of 10k + 15k (from smartbuy providing I spent 45k+ ₹ on it) + 25k on 9x points = 50k reward benefits.

    2. Does one month mean the calendar month or the billing cycle of card?

    Reply
  246. Gaurav Sharma

    Hello All,
    I received my diners club black card today,i wanted to know is the amount spent on insurance considered in the 1 lakh spends which are to be done in 90 days for waiver of fees.
    And is there a cap on the points earned on insurance transactions ?

    Reply
  247. Madhuri Bharatiya

    I got an auto offer for LE from Rs. 1,86,000 to 4,60,000 and I also got offer to upgrade from ClubMiles to Diners Black. Can’t believe it as first time I have got such huge limit enhancement offer.

    Reply
    1. Mickey

      Madhuri that’s good! How much was your total spend on ClubMiles card in last 6-8 months?

      Reply
    2. Sanjeev Khatoi

      That’s great to hear bud! Could you share some details like your usage etc so that we all can benefit from this.

      Reply
  248. Murali

    Hi Sid,

    This is a wonderful website you are maintaining and the comments section is very informative.
    After going though your review and based on the user comments I decided to apply for Diners Black Credit Card.
    Since I don’t have an existing relationship with HDFC, I applied directly on the Diners Black website.
    I was surprised to see that my credit score was immediately checked on CIBIL. Since I have registered for paid membership on CIBIL I got an alert on my email. My credit score dropped from 850 -> 846 due to the New Enquiry.
    In the next 1 hour I got a call from the customer support and she arranged for my documents to be picked up, all done in 3 hours from applying online.
    Documents submitted:
    * Aadhar Card
    * PAN Card
    * Company ID card
    * 3 months Salary Slip
    * Previous Year ITR-V ( though this was not required).

    Hoping my application gets approved.

    Reply
    1. Himanshu kainth

      Murali,

      I too applied for diners privilege card. The moment i shared my contact details on diners website they pulled my cibil. Executive called me today and took appointment for docs collection.

      Wondering how did they do this ?

      Reply
      1. Murali

        Hi Himanshu,

        Good luck with your application!

        I’m still waiting for an update on my card application.
        Even though the documents were picked up last Thursday, it wasn’t submitted till Tuesday evening. Not sure how much longer it will take to hear back about my application.

        Guys, any idea how long it takes for the application to be processed?

        Reply
  249. Prashant Gupta

    Wanted to update. Used concierge for booking multi city trip to Australia using points. The process by smooth and agent was nice. Got less rate than almost all travel sites.

    Reply
  250. Rahul

    Hi Sid,

    I am having salary account with HDFC bank(Gross Salary ~20LPA).
    Also I am holding Diners Clubmiles Credit Card (Limit 6.3L).
    Will i get diners black card for free?

    Thanks
    Rahul

    Reply
  251. Vivek M

    Hello All,

    Just want to know whether I will get diners black card or not? I am thinking to apply for an upgrade
    CTC-21.5 lakh (including retrials, medical insurance)
    Holding a Regalia first credit card from last 1.6 years with 3.9 lakh limit.

    Thanks in Advance

    Reply
  252. Daksh Setia

    Hi Siddharth..
    I am using Regalia from last 5 Months with credit limit of 4.54 Lacs and i am a preffered customer. Upgrade To Dinners Black Form with recommendation of RM would help me to get Dinners Black card as I am self employed and my ITR is of 8 Lacs.

    Reply
  253. Amit K

    Does this card allow access to lounges on arrival as well? (e.g. Plaza premium lounge, Terminal T3 on ARRIVAL, Indira Gandhi International airport, new Delhi)?

    Checked with credit card customer care along with concierge team and it is circle to say but some one said its there….

    In case someone knows for sure, please let me know.

    Reply
    1. Nihar

      No complementary access through credit card at the plaza premium lounge on arrival near gate 1.

      Reply
  254. kiran

    From 1 Jan 2020, the annual membership and renewal fees has been increased to 10000+taxes.
    The spending criteria for fees waiver remains same as before – 5L in a year.

    Does anyone have any idea on how to get the diners black on lifetime free pricing.

    Regards
    Kiran

    Reply
  255. Paresh Raheja

    Another thing I read in the terms and conditions is the that lounge access is complimentary for both primary and add-on card holders. I guess this is a new addition. Can someone pls confirm this

    Reply
  256. Pankaj

    as the fee has been increased to Rs. 11,800(incl GST), I have a question regarding the EMI transaction.
    if we do any EasyEMI transaction on any other website, will this EMI transaction be counted towards my annual spend of 5Lakh. Its not mentioned anywhere.

    Reply
  257. Ram

    My two cents: With the rise in fee if you are in the bracket of spending 4-8 lacs would suggest to have one card per family and the spouse can have the add on card [instead of two diff Diner’s black card].. The fee increase has not gone well with most of the users..

    Reply
  258. Sharad

    Hey there,

    HDFC has updated its T&C and Now “Lounge access is complimentary for both primary and add-on Card holders”

    Thanks
    Sharad

    Reply
  259. Saurav

    Hi all,
    I have a quick question, does add-on card phone number is same as primary card’s phone number or they are different?

    Reply
    1. Rohan

      can be different. Its whatever you enter in the card application for the add-on card

      Reply
  260. Gautam

    Hi,

    I booked a flight ticket on offers.smartbuy dot com link using my DCB. but later came across a separate smartbuy link for DCB. I hope I will get my 10x points. Please suggest.

    Also, Giftyr was part of the former but not the latter.

    Reply
    1. Gautam

      Got the points… Better to only use offers dot smartbuy link than the individual card links.

      Reply
    2. Murali

      If you purchased through smart buy, you would have received an email from HDFC about the same stating 10x rewards points will be credited in 90 days. Or if you find smartbuy bangalore on your statement. It means it was done through smart buy

      Reply
  261. Subrata Mukhopadhyay

    Hi Sid, I need your guidance on this specific question.
    I have Diners Club Black & Yes Bank Exclusive, which offers unlimited Lounge access to both Domestic and International for Primary and add on Card holders. In fact I have the option of Diners & PP for international lounges. Does it make any sense to change my Diners Card to Infinia? The only advantage that I see is additional 10,000 points on Smartbuy for Infinia. Am I missing anything?
    For further input, my Yes Exclusive is LTF, and I also have SCB Utimate & Axis Vistara Infinite as backups.
    Kindly suggest.

    Reply
    1. Praveen

      Acceptance. You;ll not face this issue with Infinia Card. Also, Nowadays lots of Diners Black cards have been given out, but Infinia is still a distant dream for many. You choose!!

      Reply
  262. Vish

    Could you pls help me with following doubts:
    1. Does one really need a SB account with HDFC Bank to apply for this card ? I am told it is not needed by the customer care guys!!
    2. I am also told that the joining fee of Rs.10000, is waived off if I transact 1 Lakh in 90 days. Is this true? Never seen such an offer in their website or elsewhere!

    Reply
  263. Aneesh T

    Dcb acceptance is no longer an issue within India. As it works wherever a rupay caed works. Which is almost everywhere. I’ve used mine on pos machines of sbi, icici, Bob, yes bank all via rupay.
    Intl acceptance is probably still an issue.

    Reply
  264. Ankit

    Hey, just got the DCB. Had a small query – what is the usual time for the 10X or the regular rewards points to get credited? Website says 90 days but wanted to confirm what the regular time period is.

    Reply
      1. Basant kumar

        Do dcb and infinia are accepted in all lounges in india. If an airport has 3 different lounges, can i go in anyone?

        Reply
  265. ab

    i have diners clubmiles with limit 9.25L. what are the chances to upgradation in DCB and how to proceed.

    Reply
    1. Murali

      Chances are high. I got upgraded to DCB with 6.25L on Diners club Miles. If there is no auto upgrade option in your net banking, you can send card upgrade from to chennai. Since you have 9.25L which is above 8L qualifying limit for Infinia. You can also try asking for Infinia by sending an upgradation form

      Reply
  266. Kiran

    Hi All,

    Anyone holding DCB/Infina with limit greater than 15 lac ?

    Whats the highest limit people have on these cards.

    Cheers,
    Kiran

    Reply
    1. Shivi

      I got limit increase last month to 18L; sister has 20L. A few on this forum itself have north of 25L.

      Although, imho, you reach saturation point once you own any Super Premium Card itself since all of such cards come with NPSL.

      Reply
    2. Murali

      I remember one of the readers posts that he holds limit of 23L for infinia in other post. It’s completely depends on your association, usage and relationship with the bank

      Reply
  267. Abhishek Raj

    Hi,
    I have applied for DCB through branch. Have received message on Thursday that it has been approved in principle subject to internal checks but it’s still showing inprocess online. What does this mean ? Will this be rejected ? How soon can I get the card ?

    Reply
    1. Raj

      If it has been more than 5 working days,contact them on twitter with your application number.

      Reply
  268. KT

    I have dcb as primary card and my wife has an add on card… Can someone confirm how does the unlimited lounge access work in case we both are travelling with a 4 year old? Is child access complimentary and until what age?

    Thanks.

    Reply
  269. Karan

    Do we get 10 x points on Uber using diners black card now in the month of March?
    Can anyone please share about the new change for Infinia and DCB updates for the month of March?

    Reply
  270. Sudheep

    Got DCB 3 DAYS back.. Am salaried, was not an HDFC bank customer, and not qualifying the monthly net of 1.75L, but had an ITR above 21L . Processing took almost 50 days and multiple followups.

    Welcome mailer says 5rp/150 only for ‘retail’ spends.. what does this clause exclude?? What are the spends which cannot be retail??

    Reply
  271. Shashank Jindal

    Hello Siddharth

    I currently hold Amex MRCC Card with limit of 3.85 lakhs, can I get diners black credit card on basis of Amex mrcc card. I an using card from 3 months. Also, opening account with hdfc compulsory for having a diners credit card.

    Reply
    1. Prashant Gupta

      I dint think so u will get dcb. U need to contact branch or rm. existing HDFC card holders need Rs5L limit to get upgraded. For new cards they will ask for payslip and account opening also.

      Reply
    2. Tejas Ghongadi

      HDFC does not accept Card-On-Card basis anyway. So any HDFC card on the basis of MRCC is not possible.

      For DCB, while its not compulsory, but HDFC will insist on a bank account opening. Even this will not guarantee DCB. Bank Account Opening with a decent salary and a good credit history is a minimum requirement to be even considered for DCB.

      I hope you have a CC usage history of more than 1 year at least with other cards as just 3 Months history with an MRCC will not suffice at all in most cases.

      Reply
  272. Sudheep

    no update on 9x diners partners for the month of April..

    only smartbuy offers got extended till 30th April i guess..

    Reply
  273. gurkirat

    Firstly A big thanks to @Siddharth and all the contributors on this blog. 😇😇
    Having stumbled upon this platform one good day, I have been an avid reader of the blog ever since. If it was not for you guys, I would have still be stuck with Regalia (held for about 4.5 years ).
    Today Finally upgraded to Diners Club Black with 3610 series with a minor jump in CL from 4.8 lakh in regalia to 5 lakh on DCB. Still haven’t received the card, but it showing up as registered credit card in netbanking( after transferring it).
    Now eagerly waiting for it to arrive!

    Reply
    1. Atul

      Hey Any idea what worked for you ?
      I hold Regalia First from last 5+ years , a healthy balance in HDFC account and Zero defulats on card payemnt. RF CL is 10.25L.

      Reply
      1. gurkirat

        I hold a Preferred A/c and I do qualify their income criteria. Also booked few RD’s with the RM . Ask your RM for DCB as a quid pro quo.

        Reply
  274. Neo

    What does it take to hold the DCB & Infinia together ? I have a DCB LTF ( used to be my favourite card, but then HDFC decided to degrade it). The limit is pretty decent ( north of 10 L ), but somehow they seem averse to issuing the infinia along with it.
    Also, till date never received any spend based promos on DCB & as per CC I am not eligible for those maybe.
    Received a limit upgrade offer which i accepted, now will see if putting the card in cold storage triggers these fellas.

    Reply
  275. viral

    What Is Diners Club Black Annual & Renewal Charges Currently August 2020 ???
    What Is Diners Club Black 3610 series ???

    Reply
    1. gurkirat

      First year free, 10k+18% GST=11800 annual.
      3610 is BIN No. of so called ‘NEW’ DCB INTERNATIONAL (as shown in netbanking). It was supposed to come with new design, but still got same old hdfc bank and blue diners logo.

      Reply
      1. Sharathkumar Anbu

        No. It’s the new diners black card being issued. Earlier it was 3608

        Reply
  276. Mukund

    what is the email ID or complaint number to report 3x reward points on Flipkart not getting added

    Reply
  277. sanatan

    Thanks Siddharth for this informative blog. I am using 2 HDFC credit card. 1. Diners clubmiles (limit 1.37lacs). 2. Regalia master card (recently updated to 4.34lacs limit). I want to upgrade my clubmiles card to Diners black. should i apply for Diners black upgrade or limit enhancement then up gradation?

    Thanks to all.

    Reply
  278. Ajay

    Hi I have been using Diners club card since 2016. I started with Rewardz (as per my then salary). Then got upgraded to Premium (LTF). My usage of the card has always been above 45k pm (company travels getting reimbursed). Now my card was due renewal, bank upgraded it to privilege. However I applied an upgrade to DCB (as after change of job my new salary is way upward of their requirement). However, got message that upgrade has been declined.

    1. Does it requires more than your earning which website says?

    2. Are there any other card I should look for by another bank (as I have started to use red giraffe for paying rent) that would reward my spend?
    Thanks in advance.

    Reply
  279. Abhijeet Patil

    Hi Siddhart
    Can I swipe my primary card and supplementary card at same time for airport lounge access considering both have unlimited access?

    Reply
  280. Prabhat

    I already have Amex MRCC which I use for most of my expenses by loading into wallet. I want to apply for this card – HDFC DCB – for rent payments. Is the tie up with Redgiraffe still present ? What is the cash back one can expect ?

    Reply
  281. DKG

    I am using HDFC Diners Black since last 2 years, and have a credit limit of 15 Lakh. Any idea how can I get it upgraded to HDFC Infinia Card?

    Reply
  282. Ravi Srikant

    I now have 2 ltf dcb cards. 1 i got through the college offer and now my Regalia got upgraded to dcb for free. How does it work with 2 cards of same type?

    Reply
  283. SHASHANK MUTALIK

    the smartbuy program now is starting to charge a convenience fee on Gyftr. So a 5000 voucher costs 5059 now!!

    Reply
  284. Pramtesh

    Hi.
    I already have Regalia (LTF) since a year. I have received and upgrade offer of Dinners Black (LTF).
    If I upgraded it would I get offer for Infinia in future? I have heard from few that I would not be eligible as the Dinners franchise is different.

    Reply
  285. CRV

    I have DCB LTF using from last 3 years and 10L spend limit. How to get HDFC infinia…?

    Reply
  286. Rishabh Mangal

    2x Reward Points up to 2000 cap using HDFC Diners Club cards for paying rent on NoBroker. Rewards not part of existing 10x cap.
    Offer duration1st Dec to 31st Jan 2021. Bonus Reward credit period 90 days.

    Reply
  287. Niket Prasad

    Is any HDFC Bank credit card upgrade is happening or it is also. banned along with new Credit card ban ? I want to upgrade from DCB to Infinia and have sent the request recently. Want to know was this a wrong time to send?

    Reply
  288. Pramtesh

    Yes. Even upgrade is on hold, as even I have DCB and wanted to Upgrade to Infinia. I spoke to the bank staff they informed.
    Once resume the pending application would be on give preference

    Reply
  289. Vaish

    Recently got Regalia to DCB upgrade. It was after the ban was imposed. So, will not be a problem for you

    Reply
  290. Sree

    I have got the option to upgrade in netbanking from Regalia to DCB today! I am aware that this is a great card from all the reviews and comments but how is the acceptability now? And is it good to take the upgrade option as a road to Infinia upgrade? I live in Chennai and quite confused about acceptability. I easily spend 6 to 8 lacs every year on my Regalia alone. Also my limit remains unchanged at 5.26 lacs but fee is mentioned as 0. Does it mean its FYF or LTF? Thanks for all the help

    Reply
    1. Pramtesh

      0 means LTF. Better to upgrade and start using. Rather waiting for Infinia. possible Infinia might be only FYF if you got eligibility.

      Reply
      1. Sree

        Thx. I’ll take the upgrade and hope I can get good CLE to upgrade to infinia next year

        Reply
  291. Pramtesh

    0 is LTF. Better upgrade and start using. Rather waiting for Infinia. Which might be chargeable

    Reply
  292. Vaish

    I guess all the comments here are being proved right yet again.
    Credit limit 5L- 8L – Upgrade to DCB
    8L and 8L+ – Upgrade to Infinia
    in my imperia family banking:
    got regalia with 8L upgraded to Infinia LTF via netbanking this week.
    got regalia with 5.5L upgraded to DCB FYF last week via email, as mentioned before.
    another regalia with CL less than 5L got 30% CL increase.

    Reply
    1. Sayantan Banerjee

      Not true for all. My friend has a 12lac limit on his Regalia card. No upgrade has been given to him as of yet

      Reply
  293. Amit

    Hi my wife got an upgrade from regalia first to diners black. Annual membership fees is mentioned as 0 (zero). Can anybody confirm whether it means the card is LTF or FYF

    Reply
  294. Ashish

    Need some help from fellow card experts. I’m currently owning 2 hdfc credit cards regalia first and diners black both LTF. Now, I see credit card upgrade option to diners black in netbanking for regalia first.
    1. Firstly can I hold 2 diners black cards? Is it even allowed?
    2. I’m planning to get the upgrade to infinia. If its allowed to have 2 diners black cards, then what are the chances of getting an upgrade to infinia from diners black. because if the chances are slim, I might as well wait for my regalia first to get upgraded to infinia.
    3. Fee is shown as 0. Does this mean the card is LTF?

    Reply
    1. Amit kumar

      0 means ltf on jan 2 my and my wife regalia upgraded to ltf infinia via netbanking and i also checked with infinia customer care

      Reply
  295. VKS

    As HDFC has now started issuing DCB/Infinia in bulk, it appears it will soon downgrade these cards even further.

    Reply
  296. Girish

    Hi – just wanted to share my experience for HDFC Card.. I applied for HDFC money back card in 2018 and was just using it for keeping a credit card of HDFC.. I was inclined for getting HDFC Regalia or Infinity.. as my salary was less..
    In Jan 2021, i got a call from HDFC that they are upgrading me to HDFC Diners.. i was like,,woww.. and that to life time free.. can’t expected more.. card got delivered in2 weeks now.. With now having any HDFC savings account, happily started using the card. .. I think for 2 me 2 things helped.. i had never defaulted single payment.. and made all the payments before due date.. and good CIBIL score actually..

    Reply
  297. Siva

    Can I still apply for Diners now with RBI not allowing HDFC to issue any credit cards. I only have Citi Prestige CC and want to have a second card as Citi has restricted points for some categories. Thanks.

    Reply
  298. Vikram

    Is it just me or Tap and Pay (Contactless) transaction do not work in Diners Black card?
    I contacted customer care and they informed me that it works only on HDFC machines.. not sure if that is true

    Reply
    1. Pramtesh

      Hey Vikram. Even mine Tap and Pay isn’t working for my Diners Black.

      Neither on few merchant outlet even dip is not accepting.

      I have already raised a complaint.

      Reply
      1. Arnab Chaudhuri

        Even with my diners privilege…its not working..even in hdfc pos machines except the verifone made ones.

        Reply
      2. Sri

        Please keep us posted on the result. I believe the merchants may have configured to not accept Diners Club

        Reply
      3. Rahul

        You need to activate it. I activated it using watsapp banking. Even EVA can activate.

        Reply
    2. Sri

      I’ve seen that issue too. Doesn’t work always. Works only in some places.
      Next time, I’ll pay attention if it is done on a HDFC machine.

      Reply
  299. Pramtesh

    I had raised a complaint. And I received reply from the bank saying Tap and Pay would work only in HDFC EDC machine. And Swipe/Dip will work on other Banks machine.
    In period of 5 months I was able to use only 2-3 times.
    Now I stopped using it offline.

    Reply
  300. neil agarwal

    I got a letter from HDFC Diner saying intimation 1: that your using a card for non-personal use and card will be canceled if same is continued. I use card for Travel booking (yes a lot of it is for business, but we dont always travel for leisure), paying some membership fees of business associations (FIEO, CII Etc) and for smart buy on amazon etc. (again a lot of purchase on amazon is office purchase). But then with 10 lakh credit limit I assume almost everyone is using their cards for some kind of purchase of non-personal end-use nature.
    for a small business user how do you separate business use from personal use?

    Reply
    1. Atul

      Just curious to know , how many transactions u end up doing in a month on Smartbuy ?
      and elsewhere if you have a vague break-up.

      Travel bookings are done on Smartbuy or other MMT/yatra likes as well ?

      Reply
    2. Shivi

      I use separate cards for both. Business credit or debit card for business expenses and personal cards for personal expenses.

      Business Regalia and Infinia Personal.

      Reply
  301. Nishant

    Do we get any cash back points on paying electricity bill via standing instruction using diners club black card?
    Or shall I switch to other cards for utilities payment. Wanted to know how the experts here handle utilities payment.

    Reply
    1. Rakshit Somani

      One answer- Get axis ace credit card and pay utility through it. Sit back and enjoy uncapped 5% cashback

      Reply
      1. Nishant

        Thanks Rakshit & Sri.
        Ok, I will apply ACE. Meanwhile, I wanted to know if there is any cap on the Diners card with respect to Utility payment ?
        I hope Diners gives 3.3% CB, as Sri mentioned.

        Reply
      2. Shivi

        Utility bill payment are capped at Rs.30,000/- per month.

        Reply
  302. JITENDRA KUMAR SARAOGI

    i have paid rent on redgiraffe thru payzapp by diners blacl card but no points recd at all.So please update if it is so?
    at least normal points should be given.
    need to know others experience about same.
    thanks

    Reply
  303. Utsav

    Does anyone know if we get 5X points on Amazon or 3X points on Flipkart if we pay through No cost EMI?

    Smartbuy and Diners websites have contradicting statements.

    Reply
  304. Moebius

    I hold DCB as my only card, and in India the coverage seems very good. However I may travel to Europe soon, so I’ll need a card from the major networks as a backup. With the Mastercard ban, the only option seems to be applying for a Visa card.

    What’s the best card (that’s currently accepting applications) for foreign usage, combining rewards and markup? Since I have lounge, golf etc. on my DCB, I only care about the value on spends.

    Reply
  305. Anjali Krishnan

    I have this card and they have extremely poor customer service. They also treat frequent 5 star hotel dining and stay as business transactions and they will suspend your card for it without notice and zero your points too. If the card gets declined due to non acceptance at a merchant they treat it as a cancelled transaction and harass you for it. While their reward system is brilliant they are not a hassle free card like citi prestige. Do not recommend it. Better to go for some of the other premium cards.

    Reply
  306. Nikhil M

    Has HDFC started to issue new DCB cards after the RBI ban being lifted?

    Reply
  307. TARUN GUPTA

    Hi can anyone confirm that is there FYF offer for diners black credit card? Not able to confirm with customer care.

    Reply
  308. vijay

    I am using this card for online transactions with global value programs. I gives net ~ 2% return. When the merchant doesn’t accept DCB, i simply choose paypal, then enter this card details and select option to charge in Foreign currency instead of INR. That way you can dodge the crazy payal conversion fees (4.4%) and get cashback.

    Reply
    1. AJ

      How do you do this. Do you keep Paypal installed and most merchants accept money through that like Paytm ?

      Reply
  309. Shamanth

    Hi Sid,

    Thank you for the awesome blog and providing single point of source for info and updates on credit cards.

    After sending request to Chennai office, my regalia got upgraded to ‘new DCB Dom’ with 5.04L CL, which was same on regalia.
    I only ticked the ‘upgrade’ check box in the form.

    How long should I wait to send another letter for limit enhancement? Or is it wise to wait for auto upgrade of CL as those HDFC guys are giving frequently these days?

    Second question, I am not receiving any offer emails from bank regarding any cc offers.. Can you please share the email address from which you and many others receive the communication? I would like to add it to contacts so it won’t miss my inbox. I might have marked it as spam of phishing long back

    Thank you in advance.

    Reply
    1. Prajnya

      you should have sent both the request for upgrade and limit enhancement at once.
      however you can send you salary slip/ itr documents anytime, no need to wait.

      Reply
    2. Jaise

      Could you elaborate the difference between the DOM and INTL card as per your experience? The features of INTL card is there in the sites. I see the option to upgrade to Back card dom in the netbanking and I am not sure if is the same one they have shown in the website.

      Reply
  310. Sunny

    If I spend approx 2-2.5 lakh in a year for dining, utility bills, insurance and online spends, is this card recommended. Ready to spend the fee if I can get better benefits of it.

    Reply
  311. Vikas Rathi

    All the additional benefits have been removed in last few month like swiggy, cred which were quite lucrative.

    Also, there is no extra saving day on Amazon now.

    DCB value is going down!!

    Reply
  312. Gaurav Sharma

    HDFC devalued Diners Black again. Now even Regalia and Privilege card is getting better return on smart buy instant vouchers.

    Reply
  313. Aaruyir yogaa T

    Hey Sid, off late diners has added monthly spend based offers.
    There is an obvious mistake. They are giving 500 worth book my show voucher n ola voucher for 40000 spend in diners privilege but they give the same for 80000 spend in diners black.

    All the other rewards are twice the value of privilege card. They should have actually halved this condition or atleast maintained as same 40000. Instead they doubled this too I guess..

    Reply
  314. Prathmesh ghag

    I am being offered diners club black as paid. I have expenses of approx rs 6 lacs per years.
    However, they are distributed over MRCC, citi premier miles, icici amazon pay and axis Flipkart.
    I am not sure if it makes sense to take this card and shift all my expenses to it.
    What do u guys think?

    Reply
  315. Mohan

    Phonepe wallet transactions reward points credited are reversed again. Is it same for everyone?

    Reply
  316. Abhi

    Update on my DCB, not sure if targeted.. it says RP on property management transactions including rent will be capped at 2000 pm.

    Reply
  317. Sunil

    Pretty sure it’s for everyone. I got that email too. Luckily at the moment my rent isn’t too high, so I can make full use of the cap without any loss of points. It’ll impact people with rents over 60k. I wonder if the same is applicable to infinia. Can anyone corroborate?

    Reply
  318. Akshay

    Smartbuy has removed Amazon from the portal. So no more bonus points while buying stuff from Amazon

    Reply
  319. Ankit B

    Is the 2K reward point cap on property transactions on a per transaction basis or per month basis? So if my rent is 75K, can I pay in two tranches of 30K and 45K on two different dates (via CRED) and still earn the RP?

    Reply
  320. hrishig

    Will close this card after holding it for looong time. Started using it when there was no cap on spending for rewards and the card had a very good partner program. Did a lot of international travel, business class first, first-class tickets, house furniture, renovation, and whatnot. In fact, this card forced me to increase my annual spending, but it was very rewarding. This card helped me to achieve many of my Bucketlist items in life. Never have to pay any late fees or penalty on this card. Sadly in the current format, HDFC has kept more terms and conditions on this card compared to the benefits it offers. There is no other card directly replacing this card but between Amex+ Axis ( both now have good service and less T&C) you can still gain some value.

    Reply
  321. Hari

    More restrictions added (w.e.f 01-01-2023)

    On the HDFC Bank SmartBuy portal, the redemption of Reward Points for flights & hotel bookings will be capped at 75,000 Reward Points per calendar month.
    2. Redemption of Reward Points against statement balance (CashBack redemption) will be capped at 50,000 Reward Points per calendar month w.e.f 1st February 2023.
    3. Rent payments and government transactions will NOT earn Reward Points.
    4. Reward Points earned on grocery transactions will be capped at 2000 Reward Points per calendar month.
    Revision in the Fee structure w.e.f 1st January 2023:
    1. For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month.
    2. If you conduct a transaction (in-store or online) in Indian currency at an international location or with a merchant located in India but registered overseas, a dynamic & static conversion markup fee of 1% will be charged.

    Reply
  322. Prasenjit

    Hi Siddharth,
    In your view, is this card still worth holding considering that most of the benefits (10X etc) are reducing day by day. Perhaps they only use of this card now is for buying Amazon/Flipkart vouchers. For lounge access there are other cards available.
    Any suggestions guys ?

    Reply
    1. Dee

      I’ve the same question – getting a FYF upgrade offer on this from Regalia. Wondering if this card makes sense in 2023.

      Reply
  323. Rahul

    Hi,
    I have been trying to buy amazon vouchers from smartbuy for the last 2 week. Unable to do so. The transaction does not move to the OTP page, but declines once you select the card to pay through. Anyone else facing the same issue/know a resolution for this?

    Reply
  324. Abhi

    There is a revision in the Reward Points Program on your HDFC Bank Diners Black Credit Card as below, w.e.f October 2023
    • The maximum reward points that can be earned in a statement cycle for Diners Black is 75,000

    Reply

Leave a Reply to Sitikantha Parija Cancel reply

Your email address will not be published. Required fields are marked *