HDFC Bank Diners Club Rewardz Credit Card Review

If you want to earn reward points, then you should take a look at the hdfc bank diners club rewardz credit card. This card is designed to offer benefits on reward points and travel-related categories. You will get, exclusive rewards on every credit card transaction, a multilingual concierge service, the opportunity to convert rewards into air miles, and a number of other HDFC credit card features that can save you a lot of time and effort.

This card is powered by the Diners Club network and the annual fee of the card is Rs. 1000, now let’s discuss the benefits of the card in detail.

Eligibility For Credit Card In HDFC Bank:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be greater than Rs. 30,000 monthly. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 3.6 lakh. 
  • A long relationship with the bank will help you to get this hdfc diners club rewardz credit card
  • An excellent credit score (above 760) is mandatory to get this hdfc rewardz credit card

If you can fulfill the above-stated eligibility criteria, you can very easily apply online for hdfc credit card, from the HDFC credit card online application portal. You can also apply offline from your nearest HDFC branch.

Required Documents For HDFC Diners Club Rewardz Credit Card Application:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return) 
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your hdfc credit card application is submitted successfully, you can track your online hdfc credit card application status using your application number. You can click here for the hdfc credit card application tracker.

HDFC Diners Rewardz Credit Card Fees:

  • HDFC diners credit card joining fee: Rs. 1000 + GST
  • HDFC diners card annual fee: Rs. 1000 + GST

You can easily make hdfc diners club credit card online payment from your online banking account. But if you don’t want to go online, then you also make hdfc credit card bill payment by cheque, NEFT, or by visiting your nearby HDFC branch

HDFC Diners Credit Card Benefits:

  • A hearty welcome offer:

With the issuance of the hdfc rewardz credit card, you will be welcomed with 1000 reward points, the points will be credited to your hdfc credit card account with the payment of the first year joining fee. 

  • Accelerated rewards:

The hdfc diners rewardz credit card is best for earning rewards; you will get 3 reward points for every Rs. 150 retail transactions made with this card. 

You will not get any credit card rewards points for fuel purchases, EMI conversion, and wallet top-ups. You can earn reward points for insurance premium payments at a rate of 2000 points per day. 

The hdfc diners club credit card points redemption process is very simple. You can use your earned points for flight/hotel booking from SmartBuy, you can convert them into AirMiles for Jet Airways or Singapore Airlines, you can convert hdfc credit card reward points into cash, or you can use them to get a product from the hdfc diners club credit card reward points redemption catalog

If you use your points to book hotel/flights you can pay up to 70% of the booking value through the points. The rest of the amount should be paid using your credit card. 

The value of 1 reward point in hdfc credit card depends on how you use them. You can get a clear idea about the HDFC credit card reward point value from the table given below. 

HDFC credit card 1 reward point value in rupees depending on the redemption method
Hotel and flight booking at SmartBuy Rs. 0.30
When converted into AirMiles Rs. 0.30
HDFC credit card reward catalog Rs. 0.25
If redeemed into cash Rs. 0.15

The reward points are valid for 2 years from the date of their accumulation. You can find the hdfc credit card rewards redemption form from the HDFC credit card form center

  • Exclusive benefits on travel:

You can book your domestic and international travels from the SmartBuy website using your earned reward points. You can also redeem hdfc credit card points into air miles from there.  

As per new credit card rules, online transactions on new credit cards are turned off, but you can turn it on manually from the internet banking for hdfc credit card . Click here if you are interested to know how to activate hdfc credit card for online transactions.

  • Opportunity to make your hdfc credit card lifetime free:

If you can spend Rs. 1 lakh with your card within a year, you will get a complete waiver on your next year’s annual fee. So if you want to make your diners hdfc credit card lifetime free, you just have to keep spending Rs. 1 lakh per year. 

  • Renewal benefit:

Every year with the payment of the hdfc credit card renewal fee, hdfc diners credit card offers 1000 reward points as a bonus gift. This offer is not applicable if the annual fee is waived off. You can download the hdfc credit card renewal form from the hdfc bank credit card form center

  • 24X7 active concierge service:

This diners club hdfc credit card offers a 24X7 active multilingual concierge service to assist you during travel. To get assistance from the HDFC credit card concierge team, just call the toll free number for hdfc credit card concierge team 1800 209 4006.

  • Lifetime free add on card:

HDFC bank allows you to add your family members (age: 18+) with your hdfc credit card diners club rewardz card as add-on members so that they can also enjoy the benefits of having a credit card. 

Applying for an add-on card is easy; you can just visit your nearby HDFC credit card branch and submit your hdfc add on credit card application. You can also download the hdfc add on credit card form from the HDFC credit card form center

  • Security of the advanced EMV chip:

On this diners club credit card hdfc bank offers the security of EMV chip. The EMV chip is a special credit card chip designed to enhance the security of credit card transactions. Previously all your sensitive hdfc credit card information was stored in those black magnetic strips, which were very easy to copy. But the EMV chips store your data with a much more secured encryption method, which makes it nearly impossible to clone this card. 

But if you notice something unusual with your hdfc credit card account, you should report it immediately by calling the hdfc credit card customer care toll free number. You can also block hdfc credit card account from your HDFC credit card mobile app

HDFC Credit Card Diners Club Rewardz Card Charges:

Particulars  Payable amount
cash advance credit card fee 2.5% against the withdrawn amount, min Rs. 500
Finance Charges The applicable credit card rate of interest is 3.6% monthly or 43.2% annually.
HDFC bank diners club international credit card transaction charge 3% against the transaction amount.
HDFC bank diners rewardz credit card add-on card fee Free for a lifetime.

HDFC Diners Club Customer Care Contact Details:

  • Call the hdfc bank credit card customer care toll free no: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the email of hdfc credit card customer service: [email protected] 

100xGain Ratings: 

6/10

Final Opinion:

If you want a card to take care of your everyday expenses then you should take a look at this hdfc diners rewardz credit card. it offers 3 reward points on every retail transaction made with this card. You can also convert your earned points into air miles.

But the value of the reward points is way too low, which completely ruins the interest for the card. Since earning reward points is the only noticeable benefit that this card offers. So if you want a low-cost reward credit card, then I would recommend you a look at our top 10 reward card’s page.  

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