एचडीएफसी डाइनर्स क्लब ब्लैक क्रेडिट कार्ड (मेटल एडिशन)
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Super-premium lifestyle metal card with unlimited domestic & global Diners Club lounge visits, 1:1 air miles transfer, and up to 33.3% SmartBuy rewards.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
HDFC Diners Club Black (DCB Metal) is a super-premium executive lifestyle card rivaling Infinia. It features unlimited global airport lounge access for cardholders and add-ons, 1:1 air miles transfer, 1.99% monthly finance charges, and complimentary annual OTT/shopping memberships.
10,000 Reward Points credited upon fee realization, plus complimentary annual memberships to Club Marriott, Swiggy One, Amazon Prime, and MMTBLACK upon spending ₹1.5 Lakhs in 90 days.
Unlimited complimentary domestic and international airport lounge access worldwide for primary and add-on cardholders across 1,300+ Diners Club lounges.
1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹1,000 per statement cycle).
Complimentary monthly subscription voucher of choice (Ola Select, Gymkhana, BookMyShow) on spending ₹80,000 every month. Annual fee waiver on ₹8 Lakhs spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 60 with monthly net take-home pay exceeding ₹1,75,000. Self-employed individuals aged 21 to 65 with audited annual ITR exceeding ₹21,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹1,75,000/month net (Salaried) / ₹21,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips and 6 months' bank statements OR Latest 2 years' ITR computation 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Diners Club acceptance at smaller offline POS merchant terminals in India is occasionally lower than Visa and Mastercard. SmartBuy accelerated points are capped at 7,500 bonus points per month. Spend waiver requires ₹8 Lakhs annual spend.
🚀आवेदन के चरण (How to Apply)
Step 1: Check pre-approved offers on HDFC NetBanking or apply online at hdfcbank.com. Step 2: Enter PAN and mobile number for instant algorithmic credit score check. Step 3: Select Diners Club Black Metal Edition and enter official employer email. Step 4: Upload last 3 months' salary slips and bank statements. Step 5: Complete online Video KYC session with bank official. Step 6: Physical metal card delivered via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on HDFC Diners Club Black Credit Card (Metal Edition)?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 1.99% per month (23.88% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Diners Club Black Credit Card (Metal Edition) into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Diners Club Black Credit Card (Metal Edition)?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 for flight and hotel bookings via SmartBuy. 1 RP = 1 Air Mile on Singapore Airlines KrisFlyer, British Airways Avios, and Air France Flying Blue. 1 RP = ₹0.30 against cash statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on HDFC Diners Club Black Credit Card (Metal Edition) and how does it work?
The interest-free period on HDFC Diners Club Black Credit Card (Metal Edition) is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (1.99% per month (23.88% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.