HDFC Diners Club Premium Credit Card Review

The hdfc diners club premium credit card is a premium quality 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 card can reduce some costs by offering free lounge access, benefits on travel booking, and AirMiles.

Apart from that, you will also get some exclusive privileges like multilingual concierge service to assist you while traveling, protection of insurance coverage, and lots more. The annual fee of the card is Rs. 2,500 per year, now let’s discuss the benefits of the diners club hdfc credit card in detail and see if it can justify the annual fee or not. 

Eligibility Criteria For HDFC Diners Club Premium Credit Card:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: Average income should be greater than Rs. 60,000 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. 7.2 lakh. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 780) is needed to apply for this card. 

If you are eligible for this card, then you can online apply for hdfc credit card from the hdfc credit card online application portal. But if you are confused with the application process, then you can take help from our FAQ page.

Required Documents For Diners Club HDFC 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

With the successful submission of your hdfc bank credit card application form, you will get an application number, you can track hdfc credit card application online by using this number. Click here to know the process. 

Fee:

  • Joining Fee: Rs. 2,500 + GST
  • HDFC Diners Club Credit Card Annual Fee: Rs. 2,500 + GST

There are several options to pay hdfc diners credit card bill online. But if you don’t want to go online, then you can also make hdfc bank credit card payment by cheque, NEFT, or you can make hdfc credit card payment by cash from your nearby hdfc credit card branch

HDFC Diners Club Credit Card Benefits:

  • Welcome benefit:

With the activation of the diners club hdfc credit card, you will be welcomed with 2500 reward points 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. 

As per new hdfc credit card rbi guidelines, new credit cards should be delivered in an inactive state, to enhance your card’s security during shipment. But you can activate hdfc credit card online from your online hdfc credit card netbanking account, or from your Nearby HDFC ATM. Click here to know the process in detail. 

  • Accelerated reward points:

Earning reward points is very easy with this hdfc diners credit card, for each Rs. 150 retail transactions made with this card you will get 4 reward points. 

You will not get any points for hdfc credit card EMI conversion, wallet top-ups, you can earn reward points from Insurance premium payments at a rate of 2000 points/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, you can convert them into AirMiles for Singapore Airlines or Jet Airways, or you can use them to get a product from the hdfc bank credit card reward points redemption catalog

You can pay up to 70% of your travel/hotel booking value via reward points, the rest of the amount should be paid via credit card. The hdfc credit card reward point value depends on the redemption method, you can find the redemption methods and values from the table below. 

HDFC credit card rewards point value depending on the redemption method
Hotel and flight booking via SmartBuy Rs. 0.50
When converted into AirMiles Rs. 0.50
HDFC bank credit card reward points redemption catalog Rs. 0.35
If redeemed into cash Rs. 0.20
  • Free domestic and international credit card lounge access:

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

  • Attractive deals on travel:

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

As per the new credit card rules, the diners club international credit card transactions on new credit cards are turned off. And in order to use your card for international use, you have to turn it on manually from your hdfc credit card android app

  • HDFC credit card lifetime free offer:

If you can spend Rs. 3 lakh in an anniversary year, you will get a complete waiver on your next year’s 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. 

  • Renewal offer:

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

  • Insurance coverage protection:

This hdfc bank diners club credit card comes with a complimentary insurance coverage scheme. The details of the 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 cardholders. Travel insurance coverage is applicable only when the tickets are booked using this HDFC diners club credit card and the maximum trip duration is 30 days. Click here for more detailed terms and conditions. 

  • Multilingual concierge service:

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. 

  • Protection of the Advanced EMV chip:

The EMV chip is a special credit card chip designed to enhance the security of credit card transactions. Previously all your sensitive 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 secure encryption method, which makes it nearly impossible to clone. 

But fraudulent transactions can happen at any time; therefore you should check your HDFC diners credit card account regularly. You can do it very easily from your netbanking hdfc bank credit card account. And if you notice something unusual, you should inform it immediately by calling the hdfc diners club credit card customer care number. 

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
Finance Charges The interest rate of hdfc credit card is 3.6% monthly and 43.2% annually. 
HDFC diners club international credit card transaction fee 2% against the transaction amount.
HDFC diners club credit card add-on card fee Free for a lifetime.

HDFC Diners Credit Card Customer Care Contact Details:

  • 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: [email protected] 

100xGain Ratings: 

6/10

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 perks like free domestic and international lounge access, insurance coverage protection, annual fee waiver options, 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 reward points is way too low. Also, this card is powered by the Diners Club network which had some acceptance issues. Therefore I won’t recommend you to go for this card instead, you can take a look at our top 10 travel credit cards page.

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