By Bharti Bisht
Updated On September 17, 2021

As suggested by the name, the HDFC Bank Diners Club Premium Credit Card is a premium card issued by the HDFC Bank with exciting reward offers and travel benefits. The bank provides the card with a joining fee of Rs. 2,500 and a welcome benefit of 2,500 Reward Points. With this card, you get 4 Reward Points on every spend of Rs. 150 on retail purchases. These reward points can be redeemed against Air tickets/Hotel bookings, AirMiles, Product Catalogue, & Cashback. Hence, you get an opportunity to save on all these expenses by using your earned Reward Points.

With a renewal fee of Rs. 2,500 only, the card has various exclusive benefits, such as complimentary airport lounge access every calendar year. The renewal fee can also be waived off if you spend Rs. 3 lakhs or more in the previous year. There are several other advantages of this card, such as insurance benefits across a variety of categories, zero liability protection, fuel surcharge waiver, etc. To know all about the HDFC Bank Diners Club Premium Credit Card, its benefits, and fees & charges in detail, keep reading the information given below:

HDFC Bank Diners Club Premium Credit Card

Best Suited For

Travel |

Joining Fee

Rs. 2,500 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • Get a welcome benefit of 2,500 bonus Reward Points.
  • Get 4 Reward Points for every Rs. 150 spent on retail purchases using your HDFC Bank Diners Club Premium Credit Card.
  • The earned Reward Points can be redeemed against flight/hotel bookings across 150+ airlines.
  • Up to 6 complimentary lounge access every year to over 1000 airport lounges all across the world.
  • Exclusive insurance benefits.
  • 1% fuel surcharge waiver.
  • Get your renewal fee waived on the basis of your spends.

Rewards and Benefits

Welcome Benefits

2,500 bonus Reward Points

Movie & Dining

N/A

Rewards Rate

4 Reward Points on every retail spend of Rs. 150. Savings of up to 1.3% on all your spends through this card

Reward Redemption

The earned Reward Points can be redeemed against flight/hotel bookings, and for AirMiles across Singapore Airlines at a rate of 1 RP = 0.50 AirMile. 1 RP = Rs. 0.50 for redemption against Flight/Hotel bookings through Smartbuy, 1 RP = up to Rs. 0.35 for redemption against products & vouchers, and 1 RP = Rs. 0.20 for CashBack

Travel

Complimentary lounge access at more than 1,000 airports lounges globally

Golf

N/A

Domestic Lounge Access

Up to 6 domestic airport lounge access every year

International Lounge Access

Up to 6 international airport lounge access every year

Insurance Benefits

Insurance cover of Rs. 1 Crore for an air accident, coverage worth Rs. 25 lakhs for emergency hospitalization, and a cover worth Rs. 50,000 for baggage delay

Zero Liability Protection

The cardholder will not be liable for any fraudulent transaction done through his/her lost/stolen credit card if reported to the bank within 24 hours of the loss

Fees & Charges

Joining Fee

Rs. 2,500 (plus applicable taxes)

Renewal Fee

Rs. 2,500 (plus applicable taxes)

Spend based Waiver

Renewal fee waived off for this card on spending over Rs. 3 lakhs within one anniversary year

Rewards Redemption Fee

Rs. 99 (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 (plus applicable taxes)

Foreign Currency Markup

2% on all foreign currency transactions (plus applicable taxes)

Interest Rates

3.6% per month (or 43.2% annually)

Fuel Surcharge

1% fuel surcharge waived off on all fuel transactions between Rs. 400 to Rs. 5,000

Cash Advance Charge

2.5% of the cash amount withdrawn or Rs. 500 (whichever is higher)

Add-on Card Fee

Nil

HDFC Bank Diners Club Premium Credit Card Rewards:

  • You get 4 Reward Points for every Rs. 150 you spend on retail purchases.
  • You don’t earn any reward points on fuel transactions.
  • These Reward Points can be redeemed against air tickets and hotel bookings across over 150 airlines.

Welcome Benefits

You get a welcome benefit of 2,500 bonus Reward Points. Cardholders are eligible to get the welcome bonus only after successful payment of the joining fee (first-year membership fee).

Rewards Redemption

The reward points you earn using the HDFC Bank Diners Club Premium Credit Card can be redeemed against various categories at different rates as shown below in the table:

Redemption Category Value of 1 Reward Point
AirMiles 0.50 Airmile
Flight/hotel bookings through Smartbuy Re. 0.50
Products/vouchers Re. 0.35
Cashback Re. 0.20

Travel Benefits

  • You get complimentary access to up to 6 domestic/international lounges every year through the Exclusive Lounge Program.
  • The lounge accesses exceeding the maximum limit will be charged at the prevailing lounge rate.
  • The complimentary lounge access is only for the Primary Cardholders.

Insurance Benefits

Category Insurance Coverage
Accidental air death Rs. 1 crore
Medical emergency cover Up to Rs. 25 lakhs
Credit shield Rs. 9 lakhs
Delayed baggage Rs. 50,000

Other Benefits

You get a renewal benefit of 2,500 Reward Points after payment of the renewal fee.

Low Forex Markup Fee

You just get a 2% charge on foreign conversion which is low compared to other credit cards that charge up to a 3.5% conversion rate

Joining and Renewal Fee Waiver

The Renewal fee of Rs. 2,500 is waived off if you spend more than Rs. 3 lakhs in the previous anniversary year.

Eligibility Criteria For The HDFC Bank Diners Club Premium Credit Card

Salaried Employees Self-Employed Individuals
Age 21 Years – 60 Years 21 Years – 65 Years
Income Minimum Rs. 60,000 per month Minimum Rs. 7,20,000 per annum (as per ITR)

Conclusion

Keeping all its benefits in mind, it can be concluded that the HDFC Bank Diners Club Premium credit card would be a great choice, not only for travelers but also for people who are looking for a credit card that allows them to save more. With a joining & renewal fee of Rs. 2,500 (which is worth it), it provides you with exclusive reward points, which can be redeemed against Air Tickets/Hotel bookings, AirMiles, Product catalog, and cashback, etc, allowing you to save a lot.

Moreover, the travel & insurance benefits provided by the card give you an even more strong reason to choose it. So, if you are looking for a credit card with travel benefits along with opportunities to save, you should undoubtedly go with the HDFC Bank Diners Club Premium Credit Card. Also, do let us know your views on this card in the comment section below!

FAQs:

Yes, the HDFC Bank Diners Club Premium Credit Card provides a welcome benefit of 2,500 bonus Reward Points.

The Reward Points you earn through this card expire after 2 years from the accumulation date.

The cash advance charges on the HDFC Bank Diners Club Premium Credit Card are 2.5% of the transacted amount subject to a minimum of Rs. 500.

1 Reward Point = Rs. 0.20 for redemption against Cashback.

No, the HDFC Bank Diners Club Premium Credit Card provides lounge access to its primary cardholders only.

Yes, the HDFC Bank Diners Club Premium Credit Card provides an emergency medical insurance coverage worth Rs. 25 lakhs.

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