If you are in search of a credit card that offers travel, lifestyle, golf and other benefits, then you should apply for an HDFC Bank Diners Club Black Credit Card. The card has an amazing rewards program and it also offers insurance protection to all the cardholders.
Key Highlights:
- 2x Reward Points on air ticket or hotel bookings.
- 24×7 Concierge Service.
- 5 Reward Points per Rs.150 spent at retail stores.
- 10 Reward Points on every Rs.150 spent on HDFC Bank Diners Club website.
- Green Fee Waiver at golf courses.
Benefits:
- Welcome, Offer When you apply for an HDFC Bank Diners Club Black Credit Card, you will receive 10,000 Reward Points as a welcome gift. You will also receive 5,000 bonus points when you renew your card.
- Travel Benefits Avail 2x Reward Points when you book hotels or air tickets on HDFC Bank Diners Club website using your HDFC Bank Diners Club Black Credit Card.
- Fee Waiver If you spend Rs.5 Lakhs in a period of 12 months using this card, your renewal fee for the next year will be waived off. If you spend Rs.1,00,000 within the first 90 days of receiving the card, your membership fee for the first year will be waived off.
- Lifestyle Benefits Cardholders can enjoy 24×7 Concierge services. The concierge will make golf course, dining, hotel, etc. reservations on behalf of the members and also provide other types of assistance such as flower and gift delivery, courier service, car rental, etc.
- Exclusive Offers Cardholders can enjoy exclusive offers from the Taj Group of Hotels. The card provides amazing stay offers for properties such as the Taj Luxury Vivanta and the Gateway. Cardholders can make use of complimentary offers on Taj Safaris and unique offers on Taj Air.
Features:
- Insurance Protection – Apply for an HDFC Bank Diners Club Black Credit Card to avail the following:
- Air Accident coverage worth Rs.2 Crore.
- Emergency Medical Expenses coverage worth up to Rs.50 Lakhs.
- Credit Liability coverage worth Rs.9 Lakhs.
- Travel Insurance coverage worth up to Rs.55,000 in case of loss or delay of baggage.
- Golf Program Cardholders can play unlimited golf games in around 20 golf courses across India and in more than 40 golf courses in the world. Also, get unlimited access to golf lessons for free at certain Driving ranges.
- Redemption Cardholders can use their Reward Points to book hotels or air tickets on the HDFC Bank Diners Club website. The value of 1 Reward Point is Re.1. They can also redeem their points for AirMiles of Air India, Jet Airways or Singapore Airlines. The value of 1 Reward Point is 0.7 AirMile. Apart from this, they can redeem points to avail products listed in the redemption catalogue of the card.
- Airport Lounge Access The cards Exclusive Lounge Program allows cardholders to enjoy access to airport lounges all over the world.
- Revolving Credit Facility Cardholders can enjoy revolving credit facility on this card at very low rate of interest.
- Low Mark Up on Foreign Currency HDFC bank offers on of the lowest mark up on foreign currency transactions made using this card.
- Fuel Surcharge Waiver If you spend between Rs.400 and Rs.1,00,000 on fuel using this card, your fuel surcharge will be waived off.
Fees and Charges:
| Type of Fees and Charges | Amount |
| The membership fee for the first year | Rs.10,000 plus tax |
| The membership fee for card renewal | Rs.5,000 plus tax |
| Add-on Cards | Up to 3 cards free for lifetime |
| Interest-free period | 20 to 50 days |
| Mark Up on Foreign Currency | 2% |
| Interest Rate on revolving credit | 1.99% |
| Cash Advance Limit | 40% of credit limit |
| Cash Advance fee on transactions | 2.5% (Minimum Rs.300) |
| Finance Charge on Cash Advance | 1.99% per month |
| Late Payment Charges | If outstanding balance is less than Rs.100, then nothing will be charged. |
| If outstanding balance ranges from Rs.100 to Rs.500, then Rs.100 will be charged. | |
| If outstanding balance ranges from Rs.501 to Rs.5,000, then Rs.400 will be charged. | |
| If outstanding balance ranges from Rs.5,001 to Rs.10,000, then Rs.500 will be charged. | |
| If outstanding balance ranges from Rs.10,001 to Rs.20,000, then Rs.700 will be charged. | |
| If outstanding balance is Rs.20,001 or more, then Rs.700 will be charged. | |
| Overlimit charge | 2.5% of the overlimit amount (Minimum Rs.500) |
| Minimum Repayment Amount | 5% (Minimum Rs.200) |
| Payment return fee | 2% of the payment amount (Minimum Rs.450) |
| Fee for processing cash | Rs.100 |
| Fee for Balance Transfer | 2% of the amount (Minimum Rs.250) |
| Fee for purchasing railway ticket | Rs.30 plus 2.5% of the transacted amount |
| Maximum fuel surcharge waiver | Rs.1,000 per billing cycle |
| Fee for reissuing lost/damaged/stolen card | Rs.100 |
| Cheque processing fee | Rs.25, if the value of cheque is up to Rs.5,000.Rs.50 if the value of cheque is more than Rs.5,000 |
| Charge slip retrieval fee | Rs.125 for each charge slip |
Swachh Bharat Cess, Service Tax, and Krishi Kalyan Tax will be applicable on all the fees and charges.
The above-mentioned rates/fees & charges may be changed at the discretion of the bank.