The HDFC Infinia and HDFC Bank Diners Club Black credit cards are HDFC Bank’s two super-premium credit cards. Both of these credit cards include a round of complimentary golf at some of the world’s top golf resorts, unlimited access to airport lounges, and many other upscale perks. With these credit cards, HDFC aims to attract high net worth individuals. You can choose one of the two if you’re looking for a premium card; you can’t go wrong with either.
If you anticipate using popular applications and websites like Zomato, Ola, Amazon Prime, BookMyShow, etc. for a significant amount of your credit card spending, the HDFC Diners Club Black Credit Card is a better choice for you.
Key Highlights :
- A premium travel credit card with perks for your lifestyle.
- Annual fees are waived upon reaching spending milestones.
- More than 800 lounges are available to you for free and without limitations.
- Free golf games on all golf courses, both in India and abroad.
- Miles exchange with top hotels and airlines.
- Worth Rs. 2 crore in air accident death insurance.
Features and Benefits :
Reward point benefits:
- For every Rs. 150 you spend, earn 5 reward points.
- Gain up to 10X more reward points with all partner brands.
- When spending money on weekend eating, you receive two times as many reward points.
- Every golf course in the globe offers you free golf games.
- Each quarter, you are given six rounds.
- At partner gyms, spas, wellness retreats, and hairdressers, you receive discounts.
- When you use the card for the first time and spend Rs. 1.5 lakh within the first 90 days of receiving the card, you are given a free annual subscription to Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK, and Times Prime.
- On purchases over Rs. 400, the 1% fuel surcharge is waived.
- A free annual membership to Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK, and Times Prime is yours whenever you spend Rs. 8 lakh within a year of the card’s issuance.
- Spend Rs. 5 lakh in a single year, and the renewal charge is eliminated.
Monthly milestone benefits:
- If you spend Rs. 80,000, regardless of whether you are a new or current owner of an HDFC Bank Diners Club Black Credit Card, you can select any two monthly vouchers from TataCLiq, BookMyShow, or Ola Select Membership valued Rs. 500 each.
Travel Benefits :
- There are 150 different airlines and motels where you can reserve a room (international as well as domestic).
- With a variety of choices, you can use reward points to buy hotel or airline reservations (international as well as domestic).
- You are granted unrestricted access to more than 800 airport lounges worldwide. Both primary cardholders and holders of add-on cards have free access.
Insurance benefits :
- A Rs. 2 crore air accident death insurance policy.
- Up to Rs. 9 lakh in credit liability protection.
- Hospitalization in need abroad costs Rs. 50 lakh.
- Up to Rs. 55,000 in additional travel insurance for delayed baggage
Fees and Charges :
- For the HDFC Bank Diners Club Black Credit Card, you must pay a joining and renewal fee of Rs. 10,000.
- On the amount that is past due, this credit card assesses a monthly interest rate of 1.99%.
- The reduced forex fee for the Diners Club Black Card is 1.99% of the total.
- A cash advance fee of 2.5% of the amount withdrawn, or Rs. 500, whichever is larger, must be paid.
Documents Required :
- Proof of residence
- Proof of Identity
- Colour photograph
- Latest payslip/Form 16/IT return copy as proof of income
- PAN card photocopy or Form 60
After Infinia, the Diners Club Black HDFC credit card is the bank’s second most expensive card. While the Diners Club Black qualifying requirements are somewhat stricter than those for the Infinia card, they are still invitation-only. Both cards require an annual membership fee of Rs. 10,000. These two cards offer nearly similar rewards. While the Diners Club Black credit card gives free membership to a number of well-known subscription services like Amazon Prime, Zomato Gold, etc., the Infinia card has a greater ceiling on the amount of Reward Points that may be earned under the monthly SmartBuy offer. The Diners Club Black card also provides a weekend eating benefit, giving 2X Reward Points on Saturday and Sunday dining expenditures.