Premium business credit card with high reward potential and travel benefits.
Up to 10X Reward Points on SmartBuy spends
Up to 50 days interest-free
Annual fee waiver on ₹10 lakh spends
Enter your details to get started
| Benefit | Details |
|---|---|
| High Reward Earnings | Earn accelerated reward points on SmartBuy transactions including travel and shopping. |
| Travel Benefits | Complimentary airport lounge access in India and internationally. |
| Business-Focused Features | Designed for professionals and business owners with high spending needs. |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions across India. |
| Interest-Free Period | Up to 50 days of interest-free credit on purchases. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium / Business / Travel |
| Type of Card | Diners Club Credit Card |
| Free or Paid | Paid (high annual fee with waiver on milestone spend) |
The HDFC Bank Diners Club BizBlack Credit Card is suitable for business owners, professionals, and high-spending individuals who want premium benefits along with strong reward earning potential. It is particularly useful for those who frequently travel, make large transactions, or use business expenses to maximise reward points and lifestyle benefits.
Premium Rewards Programme: This card offers one of the highest reward earning rates, especially on SmartBuy transactions such as flights, hotels, and online shopping. It is suitable for users who can optimise spending through partner platforms.
Travel and Lounge Access: Cardholders can access airport lounges across India and internationally, making travel more comfortable and cost-efficient.
Business Utility: It is designed to support high-value business spending, allowing users to manage expenses while earning significant rewards.
High Spending Advantage: With higher spending, users can unlock fee waivers and maximise reward benefits, making the card more valuable for regular use.
Interest-Free Credit Period: The card offers up to 50 days of interest-free credit, helping manage short-term liquidity.
10X Reward Points on SmartBuy Spends
Earn up to 10X reward points on travel bookings, vouchers, and shopping through SmartBuy platform.
Suitable for users who frequently book flights, hotels, or shop online.
Monthly caps may apply as per bank terms.
Base Reward Points on Other Spends
Earn reward points on all eligible retail transactions.
Applicable across both online and offline spends.
Excludes categories such as fuel, rent, wallet loads, and government payments.
SmartBuy Travel Bookings
Redeem reward points for flights and hotel bookings via SmartBuy portal.
Provides higher value when used for travel redemptions.
Products and Vouchers
Redeem points for a wide range of products and gift vouchers.
Flexible redemption options depending on user needs.
Airport Lounge Access
Enjoy complimentary access to domestic and international airport lounges.
Access may be subject to spend-based conditions.
Up to 50 Days
Get up to 50 days of interest-free credit on purchases.
Fuel Surcharge Waiver
Get 1% waiver on fuel transactions within specified limits.
Reward points are not applicable on:
Fuel transactions
Rent payments
Wallet loads
EMI transactions
Insurance payments
Government-related payments
Cash advances
Card fees and charges
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Rs. 10,000 + GST | One-time fee at card issuance. |
| Annual Fee | Rs. 10,000 + GST | Waived on Rs. 10 lakh annual spends. |
| Interest Rate (APR) | 3.6% per month (43.2% annually) | Applicable on outstanding balances. |
| Foreign Currency Markup | 2% + GST | Lower forex markup compared to standard cards. |
| Cash Advance Fee | 2.5% or Rs. 500 (whichever is higher) | Applicable on cash withdrawals. |
| Cash Advance Limit | Up to 40% of card limit | Maximum withdrawal limit. |
| Overlimit Penalty | 2.5% (minimum Rs. 550) | Charged on exceeding credit limit. |
| Payment Return Charges | 2% (minimum Rs. 450) | Applicable on failed payments. |
| Criteria | Details |
|---|---|
Age | 21 to 65 years |
Citizenship | Resident of India |
Credit Score | Strong credit profile (750+ recommended) |
Income | High and stable income required |
| Document Type | Details |
|---|---|
| Identity Proof | Aadhaar, PAN, Passport, Driving Licence, Voter ID |
| Address Proof | Aadhaar, Passport, Utility Bill |
| Income Proof | ITR, bank statements, financial documents |
| PAN Card | Mandatory |
Step 1: Click on "Apply Now" on the HDFC Bank website.
Step 2: Enter your personal and business details.
Step 3: Upload required documents.
Step 4: Review and submit your application.
Step 5: Card is issued after approval.
| Usage Tips | Details |
|---|---|
Use SmartBuy Platform | Maximise rewards by booking travel and shopping via SmartBuy. |
Use for Business Expenses | Route high-value business spends through the card. |
Track Reward Points | Monitor reward accumulation and redemption. |
Pay Bills on Time | Avoid interest charges and maintain credit score. |
Avoid Cash Withdrawals | High fees make it less efficient for cash usage. |
The HDFC Bank Diners Club BizBlack Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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