bank Diners Black Credit Card

 This credit card offers unlimited lounge access both at domestic and international airports. Unlimited lounge access is available to all add-on cardholders too. Further, the icing on the cake is you don’t need a separate Priority Pass card for lounge access. Y b

Milestone benefits

The milestone benefits of  Diners Black are pretty straightforward. Spend k in a calendar month and you will get vouchers worth 1000 every month. Thus, theoretically, if you spend k every month for 12 months you will get vouchers worth 12,000. Moreover, your annual fee will be waived as annual spending will be more than .

Similarly, on annual spends of , you get memberships from Amazon Prime,  Black, Club Marriott, Forbes and Times Prime. From these, Amazon Prime,  Black and Forbes are genuinely useful. 

 on weekend d Diners Black offers  reward points on all dining spends every weekend. There is a cap of 1000 reward points per day. The downside is, this does not apply to 

Only 2% f markup

C Diners Black has a low  markup of 2%. While you may argue, there are credit and debit cards that offer 0% x markup. However, considering that  Diners Black has a reward rate of 3.3% even adjusting for a 2.36% (2% + markup, you get nearly a 1% reward rate on foreign spending. That’s not all, if l for  you can get a ~1.95% reward rate. The 1% is in form of cashback as a feature of the Global Value Program.

Negatives Diners Bl

credit card is  program has a lower multiplier than 

The accelerated reward points on the portal for  Diners Black are lower than that one gets on . Further,  has higher monthly caps.

Redemption limitation and continuous devaluations

Ever since the Bank has come out card issuance ban, there have been continuous devaluations for Diners and I. The most recent one puts a cap on monthly  starting Jan-2023. Now k points can be redeemed for flights and hotel bookings in a calendar month. This combined with the requirement to pay 30% amount in cash, caps monthly booking at . Moreover, they also started charging convenience fees for flight tickets

Further, rent and government payments will no longer accrue reward points. In addition, for rent payments 1% fee will be applicable from the second transaction 

That’s not all. There is a capping on grocery transactions too. Reward points are capped at 2000 per month. i.e. ~67000 spends per month.

Acceptance remains an issue

While Dinersclub’s acceptance has improved dramatically over the last few years, it remains a sore point. Especially when you travel outside of the 4 metros.

Compare with Axis mages

Nowadays every card needs to be compared t(Apply Now) . So here is the dynamic excel calculator that compares  Diners Black with Axis Ma and