HDFC Diners Club Black Credit Card Lifetime Free
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Indialends, 25 Mar 2026

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HDFC Diners Club Black Credit Card

The HDFC Diners Club Black Credit Cards are good for those who are appreciating finer things in life. enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets. The reward rate of HDFC Diners Club Black Credit Card is highest as compared to other premium credit cards. It is almost 3.33%.

Key highlights of HDFC Diners Club Black Credit Card

  • A premium travel credit card offering varied lifestyle benefits.
  • Annual fee waiver on achieving milestone spends.
  • Unlimited free access to more than 800 lounges across the globe.
  • Complimentary golf games across golf courses in India and abroad.
  • Miles exchange with leading airlines and hotels.
  • Get Air accident insurance cover worth Rs.2 crore.

Benefits of HDFC Diners Club Black Credit Card

Welcome benefits:

This card comes with the complimentary annual membership from Club Marriott, Amazon Prime, Forbes, etc. on completing the first transaction with the card.

Annual benefits:

Get complimentary annual membership on spending 8 Lakhs annually from the date on which the card was issued.

Monthly milestone benefits:

Be you are a new or an existing HDFC Bank Diners Club Black Credit Cardholder, you can select any two monthly vouchers from BookMyShow or Ola Select, or Tata Clio Membership worth Rs.500 per month provided you spend Rs.80,000.

Reward Program of HDFC Diners Club Black Credit Card

Reward Points

  • HDFC Diners Club Black Credit Card’s reward rate is among the highest in India at 3.33% . One is earning 5 points for each Rs. 150 spent. So, if you are spending worth Rs. 15,000 using your credit card, you get 500 reward points.
  • Moreover, the monetary/miles value of these points makes it even better.
  • Easy conversion of reward points into air miles with InterMiles, Club Vistara and Singapore Airlines - 1 Reward Point = 1 Airmile
  • Use the reward points to book hotels/flight tickets through Smartbuy- 1 Reward Point = 1 Rupee
  • Buy vouchers and items through exclusive reward redemption catalogue
  • The rewards are valid for 3 years so you will have enough time to accumulate a lot of points and redeem for something substantial.

Eligibility criteria to apply for HDFC Diners Club Black Credit Card

  • The minimum age to apply is 21 years and the maximum is 60 years for salaried.
  • The minimum age to apply is 21 years and 65 years for self-employed.
  • Net monthly income more than Rs.1.75 lakh (for salaried applicants)
  • Minimum Income Tax Returns of Rs.21 lakh per annum (for self-employed applicants)

Documents required to apply for HDFC Diners Club Black Credit Card

Both Self-employed and Salaried

  • Completed application form
  • Passport-size photographs
  • Proof of identity (copy of PAN, Aadhaar, passport, etc.)
  • Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)

Salaried- Income proof

  • Latest salary slips
  • Form 16
  • Bank statements

Self-employed- Income Proof

  • Income proof
  • Statement of accounts
  • Proof of business

HDFC Diners Club Black Credit Card fee and charges

Types of Fee and Charges Amount
Joining Fee Rs 10,000
Annual Fee Rs 5000
Interest rate 1.99% per month
Reward Redemption fee NIL
Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
Add-on Card charges NIL
Foreign Currency Mark-up Fee 1.99%
Late Payment Charges Less than Rs.100 – Nil
Rs.100 to Rs.500 – Rs.100
Rs.501 to Rs.5,000 – Rs.500
Rs.5,001 to Rs.10,000 – Rs.600
Rs.10,001 and 25,000 – Rs.800
For more than Rs.25,000 – Rs.950
Over Limit Charges 2.5% of the over the limit amount (Min. of Rs.500)
Cash Processing Fee Rs 100
Card re-issuance Rs 100

How to apply for HDFC Credit Card

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred HDFC credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

IndiaLends has 50+ credit cards of the top banks and financial institutions that are offering the best-in-terms credit cards in the form of exciting cashback and rewards. Save more by choosing the right credit card.

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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