HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card is one of the best credit cards in India considering its benefits, features, rewards and redemption value plus their on-going promotions.
No other credit card beats its 33% reward redemption value with its ongoing HDFC 10x rewards program i.e. In simple terms, you get ₹33 back for every ₹100 spent on this credit card.
Lowest interest rate, foreign currency mark-up charges and joining fees make this credit card one of the top choice credit card in India.

Benefits and FeaturesHDFC Diners Black credit card is loaded with unparallel benefits and features from travel to lifestyle,  protection to best in industry reward and redemption.

Travel

• 10x reward points with Yatra & Cleartrip via SmartBuy and Uber, Red Bus, SOTC, Treebo through partner program.
• 5x reward points with MakeMyTrip, Goibibo, Red Bus through partner program
• Comes with unlimited lounges access across worldwide for primary card holder only

A great view at S7 #Business #Lounge @Airport_DME #avgeek #travel #Moscow #Russia @HDFC_Bank @DinersClub #creditcard pic.twitter.com/VodKSf8xd5

— ThExTravel ✈ (@ThExTravelBlog) November 8, 2017

• Reward Points can be converted to AirMiles or hotel reward points at 1:1 ratio:
  • British Airways Executive Club (Avios)
  • Jet Airways (JPMiles)
  • Singapore Airlines (KrisFlyer Miles)
  • Club Vistara (CV Miles)
  • Trident Hotel
• Lowest Foreign Currency Markup of 2% (Can be reduced to 1% with Global Value Program i.e. 1% cash back on all International transactions)
• Global Value Program other benefits:
  • 500 welcome bonus reward points on 1st International transaction
  • ₹2000/- worth Yatra voucher as milestone bonus once you accumulate International spends of ₹1,50,000/- in an year
• Fuel Surcharge Waiver capped at 1000 every billing cycle but GST applicable

Lifestyle

• 10x Reward Points with Flipkart, Amazon via SmartBut and Zomato, Tata CLiQ, BigBasket, BookMyShow through partner program.
• 5x reward points with Kalyan Jewellers, Snapdeal, Big Basket through partner program
• Golf Privileges: 6 complimentary golf games (Green fee waiver) per quarter across 20 golf courses in India and over 40 golf courses worldwide
• Concierge Services 24/7:
  • On-line airline and hotel reservation
  • Golf Course Referral and Reservation
  • Dining Referral and Reservation
  • Flower and Gift Delivery
  • Car Rental and Limousine
  • Business Services
  • Courier Service Assistance
• 15% discount on selected finest restaurants across India.

Protection

• Air Accident cover of ₹2 Crore
• Emergency Medical Expenses cover of up to ₹ 50 Lakh
• Credit Liability cover of up to ₹ 9 Lakh
• Travel Insurance cover of up to ₹ 55,000 on baggage delay

Joining and Annual Fees

₹10,000/- + GST joining fees
₹5000/- + GST is the annual fees, it will be waived of if the spend is ₹5 Lakh in a year
This is not LTF (Life Time Free) credit card but usually 1st year fees waived off if you have good relationship with HDFC Bank.
For renewal fees if you spend ₹5 lakhs in 12 months then your annual fee is waived off!

Joining and Annual Bonus

1st year: 10,000 reward points
2nd year onwards/renewal: 5000 reward points
Both joining, and renewal bonus applies only if you pay joining and renewal fees.
Not applicable if you get 1st year fees or renewal fees waived off or have LTF credit card.

Reward and Redemption

You can earn 5 reward points per ₹150 spent i.e. 3.3% saving.
Each 1 reward point is equal to ₹1 when you redeem in their website.
No other best credit card in India comes closer to HDFC Diners Black credit card when it comes to earning reward points through various ongoing 10x rewards promotions and offers i.e. 33% saving
You could able earn up to 70,000 points.

• 10x Reward Partner Program: 25000 Points per statement cycle
• 10x HDFC SmartBuy: 25000 Points per calendar month
• 5x Reward Partner Program: 15000 per calendar month
• 10x Rewards Points on loading/reloading Forex card: 5000 reward points per card per month for Credit card offer.

For example:
If you spend ₹10,000 in retail, then you get reward points value worth ₹ 330. Similarly, with 10X reward partner, SmartBuy or International POS spend then you get ₹3300 value reward points.

Redemption

Each reward point valued ₹1 when you redeem for flights or hotels in HDFC Diners Club website: https://www.hdfcbankdinersclub.in/ or transfer to any of the above airline miles in 1:1 ratio.
You also have plethora of products to redeem either online or exclusive catalogue via customer service but usually these kinds of redemption is less value for money compare to flights or hotel booking.
For example, applie iPhone X 64 GB needs 190780 points for redemption. In that case, the value of each reward point goes down to ₹0.40. (Keeping existing iphone X markey value of ₹75,000/-)

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