cards / credit / hdfc bank / hdfc-diners-black-credit-card
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§ BENEFITS
Unlimited Domestic & International Lounge Access
Unlimited complimentary airport lounge visits worldwide for primary + add-on cardholders
Unlimited
Complimentary Memberships
Club Marriott, Amazon Prime, Times Prime, MMT BLACK Elite Tier, 3-month Swiggy One
₹25,000+ value
Complimentary Golf Games
6 complimentary golf games per quarter at select courses
24 rounds/year
5 Reward Points per ₹150
On all retail spends including insurance, utilities, education
5 RP per ₹150
Fast Track Airport Services
Priority check-in and baggage assistance at select airports
Included
24/7 Concierge Service
Dedicated concierge for travel, dining, entertainment
Included
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹30,00,000
- Min monthly salary
- ₹2,50,000
- Age
- 21 – 60
- Min credit score
- 750
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹10,000
- Annual fee
- ₹10,000
- APR (monthly)
- 1.99% p.m.
- APR (annual)
- 23.88% p.a.
- Late payment fee
- ₹1,300
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- —
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹1,000
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹2,00,00,000
- Permanent disability
- ₹2,00,00,000
- Air accident
- ₹2,00,00,000
- Travel insurance
- ₹50,00,000
- Baggage
- ₹55,000
- Lost-card liability
- ₹9,00,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- HDFC Reward Points
- Earn rate
- 5 RP per ₹150
- Point value
- ₹1
- Effective cashback
- 3.33%
- Min redemption
- 500 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹3,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with HDFC Bank and earns no commission on applications.