Namaste dosto! Aaj hum baat karenge **HDFC Diners Club Black Credit Card** ke baare mein, jo India ke premium credit cards mein se ek hai. Yeh card sirf ek payment tool nahi, balki ek lifestyle statement hai jo aapke travel, dining, shopping aur luxury experiences ko next level pe le jata hai. Agar aap ek aisa card dhoondh rahe hain jo aapki high-end lifestyle ko match kare, toh yeh article aapke liye perfect hai. Chalo, is card ke features, benefits, application process, aur eligibility ke baare mein detail mein jante hain, aur dekhte hain ki yeh card aapke liye kyun best ho sakta hai!
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## HDFC Diners Club Black Credit Card Kya Hai?
HDFC Diners Club Black Credit Card ek ultra-premium credit card hai jo HDFC Bank aur Diners Club International ke collaboration se banaya gaya hai. Yeh card high-net-worth individuals ke liye design kiya gaya hai jo travel, luxury, aur exclusive experiences ke shauqeen hain. Iska focus travel benefits pe hai, lekin yeh shopping, dining, aur wellness ke liye bhi shandaar rewards deta hai. Is card ka reward rate 3.33% hai, jo India ke premium cards mein se ek best rate hai. Iske alawa, unlimited airport lounge access, complimentary golf games, aur exclusive memberships jaise Club Marriott aur Amazon Prime is card ko ek must-have banate hain.
### Key Features of HDFC Diners Club Black Credit Card
- **Reward Points**: Har Rs. 150 ke kharch pe 5 reward points (3.33% reward rate). SmartBuy portal pe up to 10X rewards!
- **Travel Benefits**: Unlimited airport lounge access (1000+ lounges in India aur abroad) primary aur add-on cardholders ke liye.
- **Golf Privileges**: Har quarter mein 6 complimentary golf games at premium courses in India aur worldwide.
- **Exclusive Memberships**: Complimentary annual memberships of Club Marriott, Amazon Prime, Swiggy One (3 months), Times Prime, aur MMT Black.
- **Low Forex Markup**: Sirf 2% foreign currency markup fee, jo international travellers ke liye ek bada plus point hai.
- **Fuel Surcharge Waiver**: Minimum Rs. 400 ke fuel transactions pe 1% surcharge waiver (max Rs. 1000 per statement cycle).
- **Insurance Benefits**: Rs. 2 crore air accident cover, Rs. 50 lakh emergency overseas hospitalization, aur Rs. 9 lakh credit liability cover.
- **Concierge Services**: 24/7 concierge service for bookings like golf, dining, aur travel arrangements.
Yeh card unke liye perfect hai jo apne har spend se maximum value nikalna chahte hain, especially agar aap frequent traveller ya luxury lifestyle ke shauqeen hain.
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## Kaise Apply Karein HDFC Diners Club Black Credit Card Ke Liye?
HDFC Diners Club Black Credit Card ke liye apply karna asaan hai, aur aap isse online ya offline dono tarah se kar sakte hain. Yahan step-by-step process hai:
1. **Official Website Visit Karein**: HDFC Bank Diners Club ke official website (www.hdfcbankdinersclub.com) pe jayein aur “Apply Now” button pe click karein.
2. **Eligibility Check Karein**: Website pe apna mobile number aur PAN card number daal kar check karein ki aap eligible hain ya nahi.
3. **Application Form Bharein**: Personal details, income details, aur KYC information fill karein.
4. **Documents Upload Karein**: Required documents jaise identity proof, address proof, aur income proof upload karein.
5. **Submit Application**: Form submit karne ke baad, aapko ek application number milega, jisse aap apne application status ko track kar sakte hain.
6. **HDFC Bank se Contact**: Bank ke representative aapko call karenge aur further process explain karenge. Agar approved, aapka card aapke address pe deliver ho jayega.
**Pro Tip**: Agar aap HDFC ke existing customer hain, toh aapka approval process jaldi ho sakta hai, especially agar aapka credit score acha hai.
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## Important Documents for HDFC Diners Club Black Credit Card
Card ke liye apply karte waqt aapko kuch zaroori documents submit karne honge. Ye documents aapki identity, address, aur income verify karne ke liye hote hain:
- **Identity Proof**: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter’s ID, ya government-approved photo ID.
- **Address Proof**: Aadhaar Card, Passport, Utility Bill (not older than 3 months), Ration Card, ya Bank Account Statement.
- **Income Proof**: Latest 1-2 salary slips (salaried individuals ke liye), latest Form 16, aur last 3 months’ bank statement. Self-employed ke liye ITR documents zaroori hain.
**Note**: Bank additional documents bhi maang sakta hai, depending on your application.
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## Eligibility Criteria for HDFC Diners Club Black Credit Card
Yeh ek premium card hai, isliye iski eligibility criteria thodi strict hai. Yahan dekhiye kya requirements hain:
- **Age**:
- Salaried: 21 se 60 years.
- Self-employed: 21 se 65 years.
- **Income**:
- Salaried: Minimum net monthly income Rs. 1.75 lakh (private sector) ya Rs. 1.75 lakh (government employees).
- Self-employed: Annual ITR of Rs. 30 lakh ya zyada.
- **Nationality**: Applicant ko Indian citizen hona zaroori hai.
- **Credit Score**: Aapka credit score acha hona chahiye (usually 750+).
- **Existing Relationship**: Agar aap HDFC ke existing customer hain with a good repayment history, toh approval chances badh jate hain.
**Recent Update**: September 2024 mein HDFC ne eligibility criteria ko update kiya hai, jisme self-employed ke liye ITR requirement Rs. 21 lakh se badhakar Rs. 30 lakh kar diya gaya hai.[](https://www.livemint.com/news/credit-card-hdfc-updates-eligibility-for-infinia-and-diners-club-black-cards-details-here-regalia-gold-11727680699459.html)
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## Additional Benefits of HDFC Diners Club Black Credit Card
Yeh card sirf rewards aur travel benefits tak seemit nahi hai. Aur bhi bohot kuch hai jo is card ko unique banata hai:
- **Milestone Benefits**: Har mahine Rs. 80,000 spend karne pe aapko do vouchers milte hain (Ola Select, BookMyShow, TataCLiQ, ya cult.fit Live, worth Rs. 500 each).
- **Welcome Benefits**: Rs. 1.5 lakh spend karne pe ya joining fee payment ke baad, complimentary memberships jaise Club Marriott, Amazon Prime, aur Swiggy One milte hain.
- **SmartEMI Option**: Bade purchases ko 6-24 months ke EMIs mein convert kar sakte hain.
- **Contactless Payments**: Fast aur secure payments ke liye card contactless hai (Rs. 5000 tak ke transactions ke liye PIN ki zarurat nahi).
- **Wellness Discounts**: Leading spas, salons, aur gyms jaise Sarva Yoga, Tattva Spa, aur Himalayan Hideaway pe exclusive discounts.
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## Fees and Charges
- **Joining/Annual Fee**: Rs. 10,000 + applicable taxes.
- **Renewal Fee Waiver**: Rs. 5 lakh annual spend pe next year ka renewal fee waived.
- **Foreign Currency Markup Fee**: 2% (industry mein sabse low).
- **Interest Rate**: 1.99% per month (agar minimum amount due nahi pay kiya).
- **Late Payment Charges**: Depend on outstanding balance, usually Rs. 100 se Rs. 1300 tak.
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## FAQs about HDFC Diners Club Black Credit Card
**1. HDFC Diners Club Black Credit Card ke reward points kaise redeem kar sakte hain?**
Aap reward points ko SmartBuy portal pe flight ya hotel bookings ke liye redeem kar sakte hain (1 RP = Re. 1). Ya phir airmiles ke liye convert kar sakte hain (1 RP = 1 Airmile). Exclusive reward catalogue mein vouchers ya products ke liye bhi redeem kar sakte hain (1 RP = Rs. 0.50).
**2. Kya yeh card international transactions ke liye acha hai?**
Haan, bilkul! Is card ka 2% foreign currency markup fee industry mein sabse low hai, aur unlimited international lounge access bhi milta hai, jo frequent travellers ke liye perfect hai.
**3. Kya add-on cardholders ko bhi lounge access milta hai?**
Haan, primary aur add-on cardholders dono ko unlimited lounge access milta hai, India aur abroad ke 1000+ lounges mein.[](https://cardmaven.in/hdfc-bank-diners-club-black-credit-card-review/)
**4. Golf benefits kaise avail kar sakte hain?**
Aapko 6 complimentary golf games per quarter milte hain. Booking ke liye HDFC ke 24-hour Golf Concierge Assistance Service pe call karna hoga: 1800 118 887 (India) ya 022 42320226.
**5. Kya is card pe reward points ki validity hai?**
Haan, reward points 3 years tak valid hote hain from the date of accumulation.[](https://cardinsider.com/hdfc-bank/hdfc-bank-diners-club-black-credit-card/)
**6. Kya fuel transactions pe reward points milte hain?**
Nahi, fuel transactions, EasyEMI, aur e-wallet loading pe reward points nahi milte.[](https://cardinsider.com/hdfc-bank/hdfc-bank-diners-club-black-credit-card/)
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## Conversational Keywords and Questions
**Conversational Keywords**: HDFC Diners Club Black, premium credit card, travel benefits, reward points, airport lounge access, golf privileges, luxury lifestyle, foreign currency markup, concierge services, SmartBuy rewards.
**Common Questions and Answers**:
**Q: Yeh card kiske liye best hai?**
A: Yeh card frequent travellers, high spenders, aur luxury lifestyle ke shauqeen logon ke liye perfect hai jo maximum rewards aur exclusive benefits chahte hain.
**Q: Kya yeh card offline stores mein accept hota hai?**
A: Haan, Diners Club ka RuPay aur Discover network ke saath tie-up hai, jisse India mein acceptance improve hua hai. Lekin kuch offline stores mein issue aa sakta hai, isliye backup card rakhna better hai.[](https://cardmaven.in/hdfc-bank-diners-club-black-credit-card-review/)
**Q: Is card ka annual fee justify karta hai benefits ko?**
A: Agar aap high spender hain (especially travel aur shopping pe), toh is card ke benefits jaise lounge access, golf games, aur memberships annual fee ko easily justify kar dete hain.
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## Conclusion
HDFC Diners Club Black Credit Card ek aisa card hai jo aapki luxury lifestyle ko enhance karta hai. Chahe aap travel ke shauqeen ho, fine dining pasand karte ho, ya exclusive memberships chahte ho, yeh card har jagah apna jadoo chalta hai. Iska high reward rate, low forex fee, aur unlimited lounge access isse ek top-tier card banate hain. Agar aap eligible hain, toh is card ke liye apply karna ek smart move ho sakta hai. Toh deri kyun? Aaj hi HDFC ke website pe jayein aur apna application shuru karein!
Kya aapke paas is card ke baare mein koi aur sawal hai? Comment section mein poochiye, aur hum aapki help karenge!
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