HDFC Bank Diners Club Premium Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online
HDFC Bank Diners Club Premium Credit Card: Introducing the HDFC Diners Club Premium Credit Card, a distinguished offering from HDFC Bank tailored to elevate your financial experience with enticing rewards and travel perks. With a nominal joining fee of Rs. 2,500 and a generous welcome bonus of 2,500 Reward Points, this card sets the stage for a rewarding journey ahead.
Every retail transaction becomes an opportunity to earn 4 Reward Points for every spend of Rs. 150, empowering you to accumulate points swiftly. These Reward Points hold versatile redemption options, including air tickets, hotel bookings, air miles, products from the catalogue, and cashback, enabling you to maximize savings across various expenses.
Priced competitively with a renewal fee of just Rs. 2,500, the HDFC Diners Club Premium Credit Card offers an array of exclusive benefits. Enjoy complimentary airport lounge access every calendar year, providing a serene and luxurious retreat amidst your travels. Additionally, the renewal fee can be waived if you achieve an annual spend of Rs. 3 lakhs or more, rewarding responsible card usage.
Beyond the compelling rewards program, this card extends comprehensive insurance coverage across diverse categories, ensuring peace of mind in unforeseen circumstances. Benefit from zero liability protection, fuel surcharge waivers, and a host of other advantages designed to enhance your overall banking experience.
To delve deeper into the features, benefits, and fees & charges associated with the HDFC Diners Club Premium Credit Card, continue reading below. Explore the possibilities and embark on a journey of unparalleled rewards and privileges with HDFC Bank’s esteemed offering.
| Fees | Joining Fee- Rs. 2,500 + GST Renewal Fee- Rs. 2,500 + GST |
| Best Suited For |
Shopping |
| Reward Type | Reward Points |
| Welcome Benefits | 2,500 bonus Reward points |
Rewards and Benefits
Movie & Dining: This card does not offer specific benefits or rewards for movie and dining expenditures.
Rewards Rate: Earn 4 Reward Points for every retail spend of Rs. 150, translating to savings of up to 1.3% on all transactions made with this card.
Reward Redemption: Redeem your reward points for various options:
- Against air tickets and AirMiles across Singapore Airlines, Air India, and Jet Airways at a rate of 1 RP = 0.50 Air Miles.
- For Flight/Hotel bookings through Smartbuy at a rate of 1 RP = Rs. 0.50.
- Against products & vouchers at a rate of up to Rs. 0.35 per point.
- For CashBack at a rate of Rs. 0.20 per point.
Travel: Enjoy 6 complimentary lounge accesses at over 1,000 airport lounges worldwide.
Golf: This card does not offer specific benefits related to golf.
Domestic Lounge Access: Avail up to 6 domestic airport lounge accesses every year.
International Lounge Access: Enjoy up to 6 international airport lounge accesses annually.
Insurance Benefits: Benefit from insurance coverage including:
- Rs. 1 Crore for air accident.
- Rs. 25 lakhs for emergency hospitalization.
- Rs. 50,000 for baggage delay.
Zero Liability Protection: Experience peace of mind with zero liability protection, ensuring you’re not held liable for any fraudulent transactions on your lost or stolen credit card if reported to the bank within 24 hours of the incident.
Fees & Charges
- Spend Based Waiver- The renewal fee for this card is waived off if you spend over Rs. 3 lakhs within one anniversary year, providing an incentive for active card usage and rewarding high spenders.
- Rewards Redemption Fee- A nominal rewards redemption fee of Rs. ₹99 (plus applicable taxes) is charged for each redemption request, ensuring a hassle-free redemption process for cardholders.
- Foreign Currency Markup- Enjoy a competitive foreign currency markup rate of 2% on all foreign currency transactions, ensuring cost-effective international spending (plus applicable taxes).
- Interest Rates- The card carries an interest rate of 3.6% per month (or 43.2% annually), applicable on any outstanding balances, emphasizing the importance of timely repayment to avoid accruing high interest charges.
- Fuel Surcharge- Benefit from a 1% fuel surcharge waiver on all fuel transactions falling within the range of Rs. 400 to Rs. 5,000, offering savings on fuel expenses and enhancing overall value for cardholders.
- Cash Advance Charges- For cash withdrawals, a charge of 2.5% of the withdrawn amount or Rs. 500 (whichever is higher) is applicable, ensuring convenience while withdrawing cash with the card (plus applicable taxes).
- Add-on Card Fee- Enjoy the convenience of adding supplementary cards at no additional cost, allowing family members or trusted individuals to access the benefits of the card seamlessly.
With these features and benefits, the HDFC Bank Regalia credit card offers a comprehensive suite of privileges tailored to enhance your financial experience and cater to your diverse spending needs.
Product Details
Experience the privileges of the HDFC Diners Club Premium Card, a premium offering designed to elevate your lifestyle with exclusive benefits and rewards. Here’s what this prestigious card has in store for you:
- Welcome Benefit: Enjoy a generous welcome bonus of 2,500 bonus Reward Points upon card activation, enhancing your initial experience with the HDFC Diners Club Premium Card.
- Rewards Program: Earn 4 Reward Points for every Rs. 150 spent on retail purchases, allowing you to accumulate points quickly and unlock exciting rewards.
- Reward Redemption: Redeem your accumulated reward points against flight and hotel bookings across a vast network of 150+ airlines, providing flexibility and convenience in travel planning.
- Lounge Access: Indulge in luxury and relaxation with up to 6 complimentary lounge accesses every year, granting you access to over 1,000 airport lounges worldwide. Whether you’re traveling for business or leisure, enjoy exclusive amenities and services at your fingertips.
- Insurance Benefits: Receive comprehensive insurance coverage, ensuring peace of mind during your travels. Benefit from exclusive insurance benefits tailored to safeguard you against unforeseen circumstances.
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions, providing savings on your fuel expenses and enhancing your overall card experience.
- Renewal Fee Waiver: Qualify for a renewal fee waiver based on your spending patterns, rewarding your continued usage and loyalty to the HDFC Diners Club Premium Card.
With its array of benefits and rewards, the HDFC Diners Club Premium Card offers an unparalleled experience tailored to meet your discerning lifestyle needs. Elevate your journey with this prestigious card and unlock a world of possibilities.
Pros/Cons
Pros:
- Enjoy 6 complimentary lounge access passes annually, granting you access to over 1000 lounges worldwide. Elevate your travel experience with luxury amenities and relaxation before your flight.
- Qualify for a renewal fee waiver upon spending Rs. 3 Lakhs within a year, rewarding your continued usage and loyalty to the card.
- Benefit from low cross-currency conversion charges, with a mere 2% forex markup fee, ensuring cost-effective international transactions and enhancing your purchasing power abroad.
Cons:
- Lack of complimentary movie tickets, entertainment, and dining offers may limit the card’s appeal to those seeking additional lifestyle benefits and perks.
- The absence of cashback on card spends may be disappointing for individuals looking to maximize savings and rewards on their everyday purchases.
- While the card offers a competitive rewards program, some may find the reward rate could be improved to provide greater value and incentive for card usage.
Overall, while the HDFC Diners Club Premium Card offers notable advantages such as lounge access and renewal fee waivers, its limitations in terms of entertainment and dining benefits, as well as cashback offerings, may be considerations for potential cardholders.
HDFC Diners Club Premium Credit Card Features And Benefits
The HDFC Diners Premium Credit Card stands out as one of HDFC Bank’s most prestigious offerings, affiliated with the esteemed Diners Club card network. Boasting a plethora of privileges and benefits, this card is tailored to cater to the discerning needs of its cardholders. Here’s a comprehensive overview of its features and advantages:
Welcome Benefits
Upon successful payment of the joining fee (first-year membership fee), cardholders are greeted with a generous welcome bonus of 2,500 bonus Reward Points, adding value to their initial card experience.
Rewards
Earn 4 Reward Points for every domestic and international spend of Rs. 150, allowing you to accumulate points swiftly and effortlessly across various transactions. However, please note that fuel transactions do not accrue any reward points.
Redeem your accumulated reward points against air tickets and hotel bookings across an extensive network of over 150 airlines, providing flexibility and convenience in travel planning.
Travel Benefits
Enjoy complimentary access to up to 6 domestic and international lounges annually through the Exclusive Lounge Program, enhancing your travel experience with luxury amenities and relaxation before your flight.
Please note that any lounge accesses exceeding the maximum limit will be charged at the prevailing lounge rate. Additionally, complimentary lounge access is exclusively reserved for Primary Cardholders.
In summary, the HDFC Diners Premium Credit Card presents an array of exclusive benefits and privileges, including welcome bonuses, rewarding reward programs, and luxurious travel benefits, making it an ideal choice for individuals seeking a premium credit card experience.
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
|
Additional Benefits
- Renewal Benefit- Upon payment of the renewal fee, cardholders receive a renewal benefit of 2,500 Reward Points, further enhancing the value proposition of the card.
- Joining and Renewal Fee Waiver- The renewal fee of Rs. 2,500 is waived off if cardholders spend more than Rs. 3 lakhs in the previous anniversary year, rewarding loyal and active card usage with cost savings.
- Fuel Surcharge Waiver- Enjoy a 1% fuel surcharge waiver on all fuel transactions falling within the range of Rs. 400 to Rs. 5,000, providing savings on fuel expenses and enhancing overall value for cardholders.
- Zero Liability Protection- Benefit from zero liability protection against lost or stolen cards, ensuring peace of mind in the event of unauthorized transactions. Cardholders are not held liable for any fraudulent transactions made on a lost or stolen card if the loss is reported to the bank promptly.
These additional benefits complement the existing features of the HDFC Bank Diners Premium Credit Card, further elevating its appeal and offering enhanced security, savings, and rewards to cardholders.
HDFC Diners Club Premium Credit Card Rewards Redemption
Reward points earned through the HDFC Diners Premium Credit Card offer versatile redemption options across various categories. Here are the redemption rates applicable for different redemption categories:
- Against air tickets and hotel bookings across over 150 airlines: 1 Reward Point = Rs. 0.50
- For products and vouchers: 1 Reward Point = Up to Rs. 0.35
- For cashback: 1 Reward Point = Rs. 0.20
- For AirMiles conversion: 1 Reward Point = 0.50 Air Miles
These redemption rates provide cardholders with flexibility and value, allowing them to make the most of their accumulated reward points based on their preferences and requirements.
| 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
|
HDFC Diners Club Premium Credit Card Fees & Charges
Understanding the fees and charges associated with a credit card is crucial before applying for one. Here are the important fees and charges applicable to the HDFC Bank Diners Premium Credit Card:
- Annual Fee:
- The annual fee for the HDFC Diners Club Premium card is Rs. 1,500. However, this fee can be waived off from the second year onwards if you have spent Rs. 3 lakhs or more in the previous year, offering potential savings for active cardholders.
- Interest Rate:
- The credit card carries an interest rate of 3.6% per month, translating to 43.2% per annum. It’s essential to manage outstanding balances responsibly to avoid accruing high interest charges.
- Foreign Currency Markup Fee:
- A foreign currency markup fee of 2% of the total transaction amount is applicable when you make transactions in a different currency using your HDFC Diners Premium Credit Card. This fee ensures cost-effective international transactions but should be considered when using the card abroad.
- Cash Advance Fee:
- For cash withdrawals using the HDFC Diners Premium Credit card, a cash advance fee of 2.5% of the withdrawn amount is charged, subject to a minimum of Rs. 500. It’s advisable to minimize cash advances and prioritize card transactions to avoid incurring this fee unnecessarily.
These fees and charges play a significant role in determining the overall cost and value proposition of the HDFC Diners Premium Credit Card. Understanding them thoroughly enables informed decision-making and ensures optimal utilization of the card’s benefits.
Eligibility Criteria For The HDFC Diners Club Premium Credit Card
Below are the fundamental eligibility requirements you need to meet to qualify for the HDFC Bank Diners Premium Credit Card:
- Age Criteria: You must be at least 21 years old and not more than 60 years old.
- Income Criteria: Your minimum annual income should be Rs. 12 lakhs or above.
- Employment Status: You should be a salaried individual or a self-employed individual with a stable source of income.
- Residential Status: You must be a resident of India or a Non-Resident Indian (NRI) holding a valid Indian address.
- Credit Score: A good credit score is typically required to qualify for this premium credit card. A credit score of 750 or above is generally preferred.
Additionally, the bank may have internal criteria and evaluation processes beyond these basic requirements to assess your creditworthiness and determine your eligibility for the HDFC Bank Diners Premium Credit Card. It’s essential to thoroughly review and understand all eligibility criteria before applying for the card to increase your chances of approval.
| 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)
|
To apply for the HDFC Diners Club Premium Card, you’ll need to furnish the following documents:
- Identity Proof: You can submit any of the following documents as proof of identity:
- Aadhar Card
- PAN Card
- Voter’s ID
- Driving License, etc.
- Address Proof: Choose from the following documents to verify your residential address:
- Aadhar Card
- Utility bills (such as electricity bill, water bill)
- Voter’s ID
- Passport
- Driving License, etc.
- Income Proof: Provide evidence of your income using any of the following documents:
- Latest 3 months’ salary slips
- Latest bank statements reflecting your income deposits
- Latest Income Tax Returns (ITR)
Ensure that all documents submitted are valid, up-to-date, and accurately reflect your personal and financial information. Meeting these document requirements is essential for a smooth and successful application process for the HDFC Diners Club Premium Card.
HDFC Diners Club Premium Credit Card Limit
The credit limit offered with the HDFC Diners Premium Credit Card typically falls within the range of Rs. 1.5 lakhs to Rs. 5 lakhs. However, this limit is not fixed and can vary based on several factors such as your payment history, credit score, and income level. If you find that the assigned credit limit is insufficient for your needs, you have the option to request a higher limit from your card issuer.
To apply for a credit limit increase, you can explore various channels such as contacting customer care, visiting your nearest branch, or using internet banking services. However, it’s important to demonstrate responsible credit usage over a period of time before requesting an increase. Building a positive payment history and maintaining a good credit score can enhance your chances of approval for a higher credit limit.
Remember, while a higher credit limit provides greater purchasing power, it’s crucial to use it responsibly and avoid overextending your finances. Assess your financial situation carefully and determine an appropriate credit limit that aligns with your needs and repayment capabilities.
HDFC Diners Club Premium Credit Card Activation & PIN Generation
Activating your HDFC Diners Premium Credit Card or generating its PIN is a simple process and can be done through various methods. Here are the available options:
1. HDFC Bank ATM:
– Visit the nearest HDFC Bank ATM and select the option for credit card PIN generation from the main menu.
– Follow the on-screen instructions to generate your credit card PIN. Ensure that you have your registered mobile number with you during this process for verification purposes.
2. Internet Banking or Mobile Banking App:
– Log in to your HDFC Bank internet banking account or mobile banking app.
– Navigate to the “Manage Your Card” section or a similar option.
– Look for the option to generate a credit card PIN and follow the prompts to complete the process securely.
3. Contact Customer Care:
– If you encounter any difficulties or require assistance, you can reach out to HDFC Bank credit cards customer care.
– A customer care representative will guide you through the PIN generation process and address any queries or concerns you may have.
Choose the method that is most convenient for you to activate your HDFC Diners Premium Credit Card and ensure that you have all necessary details and documents readily available for a smooth experience.
How To Apply For HDFC Diners Club Premium Credit Card?
You have the flexibility to apply for the HDFC Diners Club Premium Card either online or offline, depending on your preference. If you choose to apply online, follow these simple steps:
1. Visit the official website of HDFC Bank.
2. Navigate to the ‘Borrow’ section and select ‘Credit Cards.’
3. Explore the various HDFC Bank Credit Cards available under different categories.
4. Locate the HDFC Bank Diners Premium Credit Card under the ‘Others’ section.
5. Click on the ‘Know More’ option for detailed information and then select ‘Apply Online.’
6. Fill in all the required details accurately in the online application form.
7. Review your information and submit the application.
Alternatively, if you prefer to apply offline:
1. Visit your nearest HDFC Bank branch.
2. Request a physical application form for the HDFC Diners Club Premium Card from the bank executive.
3. Fill out the application form with the required details.
4. Submit the completed form along with any necessary documents to the bank representative.
Regardless of whether you choose to apply online or offline, ensure that you provide accurate and up-to-date information to expedite the application process for the HDFC Diners Club Premium Card.
HDFC Diners Club Premium Credit Card Application Status
To track the status of your HDFC Diners Club Premium Credit Card application, you have several options available:
1. Online Application Tracking:
Visit the application tracking page on the HDFC Bank’s official website. Enter the necessary details such as your application number, registered mobile number, etc. The status of your credit card application will be displayed on the screen promptly.
2. Contact Customer Care:
Reach out to the HDFC Bank credit card customer care helpline. Provide them with your application details, and they will assist you in checking the status of your HDFC Diners Premium Credit Card application.
3. Visit HDFC Branch:
If you prefer an in-person approach, you can visit your nearest HDFC Bank branch. Speak to the bank executives and inquire about the status of your credit card application. They will guide you through the process and provide you with the necessary information regarding your application status.
Choose the method that is most convenient for you to track the status of your HDFC Diners Club Premium Credit Card application. Ensure that you have the required application details handy for a smooth process.
HDFC Diners Club Premium Credit Card Bill Payment
You have multiple options to make payments for your HDFC Diners Club Premium Card bill. Here are the various methods available:
- Internet Banking: Log in to your internet banking account. Navigate to the ‘Credit Card’ section and select the ‘Credit Card Payment’ option. Follow the instructions to make your HDFC Diners Club Premium Card bill payment securely.
- HDFC Bank Billdesk Portal: Visit the HDFC Bank billdesk portal and enter the required details such as your credit card number, email address, etc. Follow the prompts to complete your HDFC Diners Club Premium Card bill payment conveniently.
- NEFT: If you hold an account with a bank other than HDFC Bank, you can make your credit card bill payment via NEFT. Add your HDFC Diners Club Premium Card as a beneficiary and initiate the payment using the NEFT facility.
- Digital Payment Apps: Utilize digital payment services-based apps like Paytm, PhonePe, etc., to make your HDFC Diners Club Premium Card bill payment. Simply add your credit card details and proceed to complete the payment securely.
- Offline Payment: Visit your nearest HDFC Bank branch to make an offline payment for your HDFC Diners Club Premium Credit Card bill. You can pay via cash or cheque at the branch counter.
Choose the payment method that best suits your convenience and ensure timely settlement of your HDFC Diners Club Premium Card bill to avoid any penalties or late fees.
HDFC Bank Diners Club Premium Credit Card Login/Net Banking
To register your HDFC Diners Club Premium Card for internet banking, you can easily follow these steps:
1. Visit HDFC Bank’s official website.
2. Scroll down and locate the section titled “Ways to Bank.”
3. Select “Online Banking” from the options provided.
4. Under “Credit Card Net Banking,” choose the option “Register Online.”
5. Fill in the required details as prompted.
6. Submit your information.
Once you complete these steps, your HDFC Diners Club Premium Card will be successfully registered for internet banking, allowing you to access various online banking services and manage your credit card account conveniently.
HDFC Diners Club Premium Credit Card Customer Care
If you require assistance regarding your HDFC Bank Diners Club Premium Card, you have multiple options to reach out to the HDFC Credit Cards customer care team:
For prompt resolution of your queries over the phone, you can call 1800 266 4332.
Alternatively, if you prefer communicating via email, you can send your queries to customerservices.cards@hdfcbank.com.
These contact details provide convenient avenues for addressing any concerns or inquiries you may have regarding your HDFC Bank Diners Club Premium Card.
Cards Similar to HDFC Diners Club Premium Credit Card
| Benefits | HDFC Bank Diners Club Premium Credit Card | HDFC Bank Diners Club Miles Credit Card | HDFC Bank Diners Club Privilege Credit Card |
| Annual Fee | Rs. 2,500 | Rs. 1,000 | Rs. 2,500 |
| Rewards | 4 Reward Points on every spend of Rs. 150. | 4 Reward Points on every spend of Rs. 150 | 4 Reward Points on every spend of Rs. 150. |
| Reward Redemption | 1 RP = 0.50 Airmiles for redemption gainst Airmiles, 1 RP = Re. 0.50 for redemption against flight/hotel bookings via SmartBuy, 1 RP = Re. 0.30 for products, and 1 RP = Re. 0.20 for redemption against cashback. | 1 RP = 1 Airmile for redemption gainst Airmiles, 1 RP = Re. 0.50 for redemption against flight/hotel bookings via SmartBuy, 1 RP = Re. 0.35 for products, and 1 RP = Re. 0.20 for redemption against cashback. | 1 RP = 0.50 Airmiles for redemption gainst Airmiles, 1 RP = Re. 0.50 for redemption against flight/hotel bookings via SmartBuy, 1 RP = Re. 0.30 for products, and 1 RP = Re. 0.20 for redemption against cashback. |
| Additional Benefits | Complimentary domestic and international airport lounge access
Spend-based waiver of the annual fee |
Complimentary domestic and international lounge access.
Minimum 15% off on dining.Spend-based annual fee waiver. |
Complimentary domestic and international lounge access. Complimentary rounds of Golf every year. Spend-based annual fee waiver. |
Who Should Consider Applying for this Credit Card
The HDFC Bank Diners Club Premium credit card is tailored for individuals seeking a premium lifestyle coupled with exclusive benefits across various spending categories. With a welcome bonus of 2500 Reward Points and a rewards rate of 4 RPs per Rs. 150 spent on retail, this card is ideal for those who value luxury and rewards.
The accumulated reward points can be redeemed for hotel and flight bookings, offering flexibility and savings. Additionally, cardholders can enjoy access to over 1000 lounges worldwide up to 6 times per year. Considering the joining fee and the array of rewards and benefits provided, this card caters to individuals looking for a premium lifestyle experience.
Reviews
Considering its comprehensive benefits, the HDFC Diners Club Premium credit card stands out as an excellent choice, particularly for travelers and individuals focused on maximizing savings. With a joining and renewal fee of Rs. 2,500, the card offers exclusive reward points redeemable for various benefits such as Air Tickets, Hotel bookings, Air Miles, and cashback.
Furthermore, the card’s travel and insurance perks enhance its value proposition. If you’re in the market for a credit card offering travel benefits and substantial opportunities to save, the HDFC Bank Diners Club Premium credit card is a compelling option. We invite you to share your feedback on our review in the comments section below.
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