What is a Black Credit Card?

What is a Black Credit Card?

16 November, 2023

That Credit Cards make financial planning easy today is an understatement. You can manage all kinds of expenses with the swipe or tap of a Credit Card, whether it means buying the latest cell phone, paying hospital bills and insurance premiums or breaking down big-ticket purchase into EMIs? Today, you can choose from a wide range of Credit Cards from standard cards with basic features to travel and dining-based cards, reward-based cards and more. However, the crème de la crème of all Credit Cards with some of the most exceptional features is the Black Credit Card. Here’s all you need to know about Black Cards.

What Is A Black Card?


A unique, one-of-its kind Credit Card, a Black Credit Card is typically the most exclusive Credit Card designed to attend the needs of the ultrawealthy. Credit Card issuers typically offer this card on an invitation-only basis. To be deemed eligible for this elite card, you must comply with the entry threshold that includes significantly high annual income, assets, investments, and the like. Only when you spend lakhs of rupees per annum on your Credit Card may you be considered eligible for the Black Card. Besides the high income and spending requirements, you should also be prepared to pay a considerably high joining and annual fee if the Credit Card issuer extends an invitation to obtain the Black Credit Card

At HDFC Bank, we offer the Diner’s Club International Black Credit Card. Let us look at its various salient features and more in this article.

HDFC Bank’s Diner’s Club International Black Credit Card


In the world of high-end Credit Cards, the Diners Club Black Credit Card stands as a symbol of elite status and unparalleled luxury. Designed to cater to the needs of our high-net-worth customers, this exclusive Credit Card comes loaded with a plethora of benefits to elevate your lifestyle and take your travel experiences to new heights.

Diners Club Black Credit Card Privileges


Over the years, HDFC Bank’s Diners Club Black Credit Card has evolved. Today, it is a prestigious Credit Card offering unmatched privileges. Some of which are as follows:

  • Elite Status

    The invitation-only Diners Club Black Credit Card requires a high level of financial stability and impeccable credit history. To be eligible for this elite status, you typically need to have a substantial income and a credit score that exceeds conventional requirements.

  • Exclusive Access

    The Diners Club Black Credit Card grants access to a world of high-end services and exceptional customer care. Cardholders are assigned a dedicated concierge service, catering to their every request; be it booking luxury accommodations to securing exclusive event tickets.

  • Airport Lounge Access

    One of the most sought-after perks of the Diners Club Black Credit Card is the domestic and international airport lounge access facility (with Priority Pass). As a Diners Club (Black) cardholder, you can gain entry at over 1,000 premium airport lounges across the globe and enjoy facilities like complimentary food and beverages, comfortable seating, high-speed Wi-Fi, etc.

Diner’s Club Black Credit Card – Annual Fees


The annual fees for this elite Credit Card offered by HDFC Bank is comparatively lower than those levied by most other Credit Card companies providing Black Cards. HDFC Bank only levies an annual membership renewal fee of ₹10,000, which is waived off on annual spends exceeding ₹5 lakhs.

Exclusive Benefits Of The Black Card


Beyond the airport lounge access and dedicated concierge service, the Diners Club Black Credit Card offers an array of exclusive benefits that enrich your lifestyle. Some of these benefits include:

  • Travel and Purchase Protection

    You can enjoy comprehensive travel insurance coverage, including trip cancellation/interruption, lost baggage, and rental car protection. Additionally, you can benefit from purchase protection, extended warranties, and price protection on eligible purchases.

  • Hotel and Dining Perks

    Your Diners Club Black Credit Cards grants you access to luxury hotel chains, offering special room upgrades, discounts on spa treatments, and other exclusive amenities. You can also enjoy hand-curated dining experiences and reservation priority at high-end restaurants.

  • Rewards and Redemption

    The Diners Club Black Card comes with a robust rewards program that allows you to earn higher points on every spend. You may redeem these points for travel, merchandise, gift cards, or statement credits, further enhancing the overall value of the card.

  • Global Acceptance

    The HDFC Bank Diners Club International Black Credit Cards is accepted worldwide, making it an asset and an allay for our international travellers who seek seamless transactions, low currency mark-up rates and easy acceptance at high-end establishments.

Key Features Of The HDFC Bank Diners Black Credit Card


Some of the key features of the HDFC Bank Diners Black Credit Card are:

  • Complimentary Annual memberships with Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK on spends of ₹1.5 lakhs within the first 90 days.

  • Complimentary Ola cabs, Cult Fit Live, BookMyShow, and TataCliQ vouchers on spends of over ₹80,000 each month.

  • Up to 5 reward points for every ₹150 spent.

  • Up to 10X reward points on SmartBuy purchases and 2X on weekend dining expenses with the Black Card.

  • Access to up to 6 Complimentary Golf games per quarter at some of the world’s finest Golf courses.

  • Exclusive discounts at some of India’s leading spas, salons, wellness retreats and gyms.

  • An interest-free credit period of up to 50 days from the date of purchase.

  • Coverage for credit liability up to ₹9 lakhs.

  • Low, 2% forex markup charge on all foreign currency spends, these charges of which are billed on subsequent statements within 60 days from visit date.

  • A revolving credit facility provided at nominal rate of interest rate.

  • Exclusive 24/7 concierge facilities via HDFC Bank’s toll free number 1800118887 or Landline number – 022 42320226.

  • Option to get an add-on card for immediate family members, with airport lounge access facilities extended to them as well.

  • Fuel surcharge waiver of 1% on swiping your Black Card at all fuel stations nationwide, on a minimum transaction value of ₹400, generating a max CashBack benefit of ₹1000 per statement cycle.

  • With the HDFC Bank Diners Club Black Credit Card, you can convert your spends into flexible and affordable EMIs following a big-ticket purchase.

  • You can enjoy contactless payment facilities with a truly fast, convenient, payment process at retail outlets with your on your Black Card.

  • Tap-and-Pay facility on contactless cards with an upper transaction limit of ₹5000. If your Credit Card expenses exceed ₹5000, you must enter the Credit Card PIN to securely authenticate your transaction.

  • Savings of up to 25 % at over 20,000 restaurant across India on payments made via Swiggy Dineout using the Black Card, with the Good Food Trail Program.,

Insurance Coverage Benefits with HDFC Bank Diner’s International Black Credit Card


Your HDFC Bank Diner’s International Black Credit Card also provides you significant insurance coverage, ensuring you and your kin are looked after in the event of sudden, unprecedented incidents. The coverage you can enjoy includes:

  • Air accident insurance cover worth ₹2 crore

  • An emergency overseas hospitalisation cover of ₹50 Lacs

  • Travel insurance coverage of up to ₹55,000 in case of baggage delays, with a maximum cap of 10$ per hour, restricted to 8 hours.

Check Your Eligibility For the HDFC Bank Diner’s Club Black Credit Card


HDFC Bank’s Diners Club International Black Credit Card is truly more than just any standard Credit Card. This exclusive card puts you in the top 1% club. It is designed for our customers who enjoy the fine things in life. As a bespoke product, the Black Card represents a lifestyle of luxury, exclusivity, and unparalleled privileges. From its prestigious elite status to its coveted features, the card has set itself apart as an indispensable companion for the affluent and well-travelled.

Check if you are eligible for the HDFC Bank Diner’s Club Black Credit Card and apply today!


​​​​​​​*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.

Check if you are eligible for the HDFC Bank Diner’s Club Black Credit Card and apply today!

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