HDFC Diners Club Premium Credit Card Review

The hdfc diners club premium credit card is a premium quality hdfc travel credit card designed to offer unparalleled travel benefits. Travelling can sometimes be very expensive, especially when your destination is out of your country. And this HDFC diners card can reduce some costs by offering free lounge access, benefits on travel booking, and AirMiles. More about the hdfc diners club credit card benefits are discussed below.

Who can apply for the hdfc diners club premium credit card?

• Resident Type: Indian
• HDFC bank diners club card eligibility criteria for salaried person:
  • Age: 21 to 60 years. 
  • Income: Above Rs. 60,000 monthly.
• HDFC diners club credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 years.
  • Income: Above Rs. 7.2 lakh. 
• A credit score of 780+ is needed to apply for this hdfc credit card. 

You can apply for this card from the hdfc credit card online application portal. If you are confused with the HDFC credit card application procedure, then you can take help from our FAQ page.

What documents are required to apply for a diners club hdfc credit card?

• 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

As per new hdfc credit card rbi guidelines, new credit cards should be delivered in an inactive state. So if you want to know how to activate hdfc credit card online then make sure to visit our faq page.

What are the HDFC diners club premium credit card fees?

• HDFC diners club credit card joining fee: Rs. 2,500 + GST
• HDFC diners club credit card annual fee: Rs. 2,500 + GST

What are the hdfc diners club premium credit card benefits?

• Get started with a huge joining bonus:

With the activation of the diners club hdfc credit card, you will be welcomed with 2500 hdfc diners rewards as a welcome gift. The reward points will be credited to your hdfc credit card account with the payment of the first-year joining fee. 

• Make every transaction rewarding:

This hdfc diners credit card offers 4 reward points for each Rs.150 retail transaction made with this card. You will not get any points for hdfc credit card emi conversion, or wallet top-ups, you can earn hdfc card points from Insurance premium payments at a rate of 2000 hdfc rewards/day.

The hdfc diners credit card reward points redemption process is very simple, you redeem hdfc credit card points for flight/hotel booking via smartbuy app, you can convert them into AirMiles, or you can use them to get a product from the hdfc bank credit card reward points redemption catalogue. 

The hdfc credit card reward point value depends on the reward redemption method, the details are mentioned below. 

1 hdfc credit card rewards point value depending on the redemption method
Hotel and flight booking via hdfc smartbuy	Rs. 0.50
AirMiles	Rs. 0.50
HDFC bank credit card reward points redemption catalogue	Rs. 0.35
If redeemed into cash.	Rs. 0.20

• Add comfort to your travel:

Under the hdfc diners club credit card lounge access program, you will get up to 6 free yearly access at over 1000+ domestic and international lounges across the globe. Click here for the hdfc lounge access list. 

• Attractive deals on travel:

You can plan your travel very easily from the smartbuy hdfc portal. You can also redeem hdfc credit card points from there. 

• Opportunity to make your diners club card lifetime free:

If you can spend Rs. 3 lakh in an anniversary year, you will get a complete waiver on your next year’s hdfc credit card annual fee. So if you want to make your hdfc bank premium credit card lifetime free, you will have to keep spending Rs. 3 lakh per year. 

• Attractive hdfc credit card renewal offer:

Every year, with the payment of the renewal fee of your hdfc diners club credit card, you will get 2500 hdfc rewards. This hdfc bank offer is not applicable if the renewal fee is waived. 

• Complimentary diners club credit card insurance coverage:

This hdfc bank diners club credit card comes with a complimentary insurance coverage scheme. The details of the hdfc credit card insurance coverage are discussed in the table below.

Particulars	Total coverage amount
Coverage against air accidental deaths.	Rs. 1 Crore.
Emergency medical expenses coverage.	Rs. 25 lakh.
Credit shield.	Rs. 9 lakh.
Travel insurance coverage.	Rs. 50,000 (Maximum 10$/hour)

The above-stated coverage is applicable only to the hdfc primary credit card holders. Click here for hdfc credit card terms and conditions page. 

• Complimentary diners card concierge service facility:

You will get the assistance of a multilingual concierge service. For any assistance, just call the 24X7 active hdfc credit card helpline no – 1800 209 4006

• Instant hdfc diners card payment options:

You are allowed to pay hdfc diners credit card bill online from your net banking account or by using any credit card payment app like Cred, Paytm, PhonePe, Google pay, etc. 

Also, if you don’t like the online method, then you can make hdfc bank credit card payment by cheque, NEFT, or from an ATM, more about that is discussed on our hdfc credit card faq page.

• Advanced security arrangements:

This premium hdfc credit card comes with an advanced EMV chip, these chips use a very strong encryption method to store your credit card information, making your card nearly impossible to clone.

But, if you notice something unusual, you should inform it immediately by calling the hdfc diners club credit card customer care number. 

What are the hdfc diners club credit card charges?

Particulars	Payable Amount
Charges for cash withdrawal from credit card.	2.5% against the withdrawn amount, min Rs.500 (check your hdfc platinum card limit before making a withdrawal)
HDFC diners club card finance charges.	The interest rate of hdfc credit card is 3.6% monthly and 43.2% annually (applicable if your hdfc credit card payment is not made in time)
HDFC diners club international credit card transaction fee.	2% against the transaction amount.
HDFC add-on card fee.	Free for a lifetime.

If you want to know, ‘What is the limit of Diners Club credit card?’ then go to the hdfc credit card login page and log in to your hdfc bank net banking account, you can find all the details there.

How to contact the hdfc diners credit card customer care department?

• Call the hdfc credit card customer care no. 1800-266-4332 (Toll-free) or 022-616-6161
• Write to the hdfc credit card complaint mail id: customerservices.cards@hdfcbank.com 

100xGain Ratings: 

6.5/10

Pros and cons of the hdfc bank diners club premium credit card:

Pros	Cons
This hdfc diners card gives you free access to airport lounges. The rate of earning hdfc credit reward points is quite impressive. The cross-currency conversion charge is quite low.	There are no dining or entertainment benefits on this hdfc bank premium credit card.

Final Opinion:

Now the question is whether you should go for this hdfc diners club premium credit card or not? This diners club credit card has some attractive perks like complimentary hdfc card lounge access, insurance coverage protection, etc. 

But there are some major flaws with this card. This diners credit card does not offer any discount on flight bookings and the value of hdfc reward points is way too low. Also, this hdfc card is powered by the diners club network which had some acceptance issues. 

So if you are looking for the best travel credit card to have, then make sure to visit our best travel credit cards page.

Alternative cards of the hdfc premium credit card: 

1. American express platinum charge card (Best for travel and dining benefits) 
2. Hdfc Bank Diners Club Rewardz Credit Card (Best for reward and travel benefits)
3. HDFC bank all miles credit card (Best for reward points)

It is often asked, ‘Which HDFC credit card is highest?’ If you ask me, I would say the hdfc infinia metal credit card is the most premium card you can get from HDFC Bank.