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Federal BankThe HDFC Diners Club Rewardz Credit Card aims to provide its customers with exclusive Reward offers on almost everything they do using their card. With a joining fee of Rs. 1000 only, the card welcomes you with 1000 bonus Reward Points. You get 3 Reward Points on every Rs. 150 you spend, and on shopping with partner brands, you get 10x Reward Points, which are redeemable against a variety of categories, including flight/hotel bookings, Air Miles, product catalog, and cashback.
The card also lets you save amazingly as you can get your renewal fee of Rs. 1,000 waived off by spending Rs. 1 lakh or more in an anniversary year. Also, you get a renewal bonus of 1000 bonus Reward Points every year. There are several other advantages of the HDFC Diners Club Rewardz Credit Card. To know all of them, keep reading the detailed information given below:
HDFC Bank Diners Club Rewardz Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
3 RPs per Rs. 150 spent and 10x RPs on partner brands
Reward Redemption
For redemption against flight/hotel bookings on SmartBuy, 1 Reward Point = Rs. 0.30, 1 Reward Point = 0.30 Airmiles, 1 Reward Point = up to Rs. 0.25 for redemption against product catalogue, 1 Reward Point = Rs. 0.15 for redemption against cashback.
Travel
You can use the Reward points to book hotel/flights bookings on Smartbuy.
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Zero Liability Protection
The cardholder will not be liable for any transactions done on the card once the card is reported lost/stolen to the bank.
Spend Based Waiver
Renewal fee waived off on spending Rs. 1 lakh or more in the previous year.
Rewards Redemption Fee
Rs. 99 on every redemption request (plus applicable taxes)
Rewards Redemption Fee
Rs. 99 on every redemption request (plus applicable taxes)
Foreign Currency Markup
3% (plus applicable taxes)
Interest Rates
3.6% per month (43.2% annually)
Fuel Surcharge
1% fuel surcharge waived off for all transactions between Rs. 400 & Rs. 5,000.
Cash Advance Charges
2.5% of the amount transacted or a minimum of Rs. 500.
Add-on Card Fee
Nil
- Get 3 Reward Points on every Rs. 150 you spend.
- Get 10x Reward Points on shopping through partner brands.
- Get upto 5% cashback for spends via SmartBuy.
- Get 1000 bonus Reward Points as a welcome gift from the HDFC Diners Club Rewardz Credit Card.
- Redeem your earned Reward Points against flight/hotel bookings, Air Miles, or several other products.
- Renewal Bonus of 1000 Reward Points every year.
- Get your renewal fee waived off based on your spends.
- Get a 1% fuel surcharge waiver.
- Get 24*7 concierge services.
Pros
- Double reward points on grocery, airline, and dining spends
- 3 RPs per Rs. 150 spent and up to 3x reward points for spends at partner brands
- Complimentary 24×7 concierge service
Cons
- No cashback earned on spends
- No complimentary airport lounge access with the card
- No complimentary movie ticket offers
HDFC Diners Club Rewardz Credit Card Rewards
- You get 3 Reward Points on every spend of Rs. 150.
- You get 10x Reward Points, i.e., 30 Reward Points per Rs. 150 spent on shopping through partner brands.
- The maximum reward points under the 10X category are capped at 2,000 points per month.
- The Reward points are valid for 2 years from the date of accumulation.
- The fuel transactions are not eligible for Reward Points.
Welcome Benefits
You get 1,000 bonus reward points as a welcome gift after successfully paying the joining fee.
Rewards Redemption
- The Reward Points you earn can be redeemed against hotel/flight bookings, Air Miles, cashback, and products/vouchers.
- For redemption against flight/hotel bookings on SmartBuy, 1 Reward Point = Rs. 0.30.
- For redemption against AirMiles, 1 Reward Point = 0.30 Airmiles.
- For redemption against the product catalogue, 1 Reward Point = up to Rs. 0.25.
- For redemption against cashback, 1 Reward Point = Rs. 0.15.
- The HDFC Bank charges a reward redemption fee of Rs. 99.
Travel Benefits
- The reward points you earn can be redeemed for hotel/flight bookings across over 150 Airlines and several domestic/international hotels.
- The reward points are also redeemable against Air Miles for Singapore Airlines (1 Reward Point = 0.30 Air Mile).
Other Benefits
You get 1,000 reward points every year as a renewal bonus after successfully paying the renewal fee.
Joining and Renewal Fee Waiver
The renewal fee of Rs. 1000 is waived if you spend Rs. 1 lakh or more in the previous anniversary year.
Fuel Surcharge Waiver
You get a fuel surcharge waiver of 1% for all fuel transactions between Rs. 400 & Rs. 5,000. The maximum benefit through fuel surcharge waiver is capped at Rs. 500 per month for the HDFC Bank Diners Club Rewardz Credit Card.
Low Foreign Currency Markup
You can save on your foreign currency spends through this card as it comes with a foreign currency markup fee of 3% only.
Eligibility Criteria For The HDFC Diners Club Rewardz Credit Card
| Criteria | Salaried Employees | Self-Employed Individuals |
| Age | 21 years to 60 years | 21 years to 65 years |
| Income | The monthly income should be a minimum of Rs. 30,000 | The Income Tax Return should be more than Rs. 3.6 lakhs per year |
Comparison Between HDFC Millennia and Diners Club Rewardz Credit Card
In terms of annual fees, the HDFC Bank Millennia Credit Card is similar to the HDFC Diners Club Rewardz Credit Card, and hence, a lot of people are confused when choosing one of these two cards. To help you out, we are here with the following comparison table between the two cards:
| Factors | HDFC Millennia Credit Card | HDFC Bank Diners Club Rewardz Credit Card |
| Annual Fee | Rs. 1,000 + GST | Rs. 1,000 + GST |
| Reward Rate | – 5% cashback (as CashPoints) at select partner online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato)
– 1% cashback (as CashPoints) on all other retail spends (except fuel) |
– 3 Reward points per Rs. 150 spent on retail purchases.
– 10X on shopping through partner brands (1 RP = up to Rs.0.30). |
| Lounge Access | 1 complimentary domestic lounge access every quarter. | NA |
From the above table, you can observe that both cards are great in terms of reward rate. The Millennia Credit Card offers Cash Points, which are redeemable against several options, including cashback, and the Diners Club Rewardz offers general Reward Points. The HDFC Millennia Card has the upper hand in terms of airport lounge access, but you can go with the Diners Club Rewardz Card if you spend very often on the partnered brands associated with this card. It is because you can earn up to 30x Reward Points with the Diners Club Rewardz Card and up to 5% cashback with the Millennia Card.
Who Should Apply for the Credit Card?
The HDFC Bank Diners Club Rewardz credit card is among the best options for people in the middle-class segment and offers industry-best features in the concierge, dining, and travel segments. With this card, you get a bonus of 2500 reward points as a welcome benefit, along with double RPs on supermarket, grocery, dining, and flight ticket spends.
You get chances to save money on almost all types of spends made by you, and you can also get the renewal fee waived on spending Rs. 1 Lakh in the card anniversary year. Another great feature is the 3% forex markup fee of the card and the bonus of 1000 RPs you get every year on renewal.
Review
If you want a credit card that rewards you for almost everything you do using your card, the HDFC Diners Club Rewardz Credit Card is for you. It provides you with exclusive Reward Points that are redeemable against flight/hotel bookings, Air Miles, several products, or cashback. You can use your Reward Points wherever you wish to. You get 1000 bonus reward points every year with this card, which is among its most significant features.
The renewal fee waiver, fuel surcharge waiver, and the low foreign currency markup fee on this card allow you to save a lot. Hence, after reading our HDFC Bank Diners Club Rewardz review and knowing about its exciting benefits and rewards offers, there is nothing that should stop you from choosing this credit card.
