Credit cards are widely used and there is nothing wrong with it if a person has the capacity to pay for the money he/she spent from the card. HDFC Bank Diners Club Black Card is one of the best credit cards if you travel a lot and in general as well. There are a lot of rewards and joining perks available with this card. For those of you who love the finer things in life, you are going to appreciate this card a lot. So there are a lot of things that you should know about this card before you sign-up for it. Read ahead to find out.
Things You Will Love About This Card
There are many things to love about HDFC Bank Diners Club Black Card. First of all, with the ownership of the card, you become eligible to get exclusive access to premium experiences and some of the best lifestyle benefits you can get anywhere in the world. There are complimentary memberships included as well for – Club Marriott, Zomato Gold, MakeMyTrip, Amazon Prime, Times Prime and Forbes. Well, if you are a frequent flyer, then you know that airport lounges are very important to be able to sit peacefully in the airport. This is why you will appreciate that you are eligible for access to the airport lounges globally. You also get six complimentary golf games in a quarter in some of the world’s best golf courses. The rewards which you earn by spending money through the card can be redeemed when booking hotels and airline tickets on HDFC Bank SmartBUY.
Some Of The Unheard Perks Of HDFC Bank Diners Club Black Card
Insurance is very important when you are travelling. When you get this card, you are automatically eligible for a cover worth Rs 2,00,00,000 for air accidents. Then there is medical emergency insurance worth Rs 50,00,000 as well. If you are thinking about travel insurance, then you also get coverage worth Rs 55,000 for any baggage loss or delay. You will be provided with 24/7 concierge service from the HDFC Bank. There are more financial benefits which you should know about. If you are a holder of HDFC Bank Diners Club Black Card, then the foreign currency mark up will be very low for you at just 1.99%. You are also availed with a 50-day interest-free credit, so if you return the money to the bank between this period, you don’t have to pay any interest on the amount that you owe. Additionally, on your fuel transactions, you get a 1% waiver.
Features of HDFC Bank Diners Club Black Card
For every Rs 150, you spend with the HDFC Bank Diners Club Card, you will earn 5 reward points. This doesn’t count in the case of fuel transactions though. The points that you earn can be redeemed for purchasing air tickets and booking hotels only through HDFC Bank Diners Club website. Yes, there is a joining fee of Rs 10,000 for one year and after which Rs 5,000 every time you renew your card. The interest rate will be set at 1.99% per month and for the cash which you withdraw from the ATM will be levied with an interest of 2.5%. The minimum amount that you have to withdraw is Rs 500 at a time from the ATM. There is also a cash processing fee of Rs 100 that is levied on every transaction. If you lose the card and need a re-issue, that will also cost you Rs 100. Also, the reward points in your card are only valid until three years from the time they got credited into your account.