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HDFC Bank Diners Club Premium Credit
- Joining Fee: 2500
- Renewal Fee: 2500
- Best Suited For: Travel
- Reward Type: Reward Points
- Welcome Benefites: 2,500 bonus Reward Points
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As suggested by the name, the HDFC Diners Club Premium Credit Card is a premium card issued by the HDFC Bank with exciting reward offers and travel benefits. The bank provides the card with a joining fee of Rs. 2,500 and a welcome benefit of 2,500 Reward Points. With this card, you get 4 Reward Points on every spend of Rs. 150 on retail purchases. These reward points can be redeemed against Air tickets/Hotel bookings, Air Miles, Product Catalogue, & Cashback. Hence, you get an opportunity to save on all these expenses by using your earned Reward Points. With a renewal fee of Rs. 2,500 only, the card has various exclusive benefits, such as complimentary airport lounge access every calendar year. The renewal fee can also be waived off if you spend Rs. 3 lakhs or more in the previous year. There are several other advantages of this card, such as insurance benefits across a variety of categories, zero liability protection, fuel surcharge waiver, etc. To know all about the HDFC Diners Premium Credit Card, its benefits, and fees & charges in detail, keep reading the information given below:
New Features
Spend Based Waiver
Renewal fee waived off for this card on spending over Rs. 3 lakhs within one anniversary year
Interest Rates
3.6% per month (or 43.2% annually)
Add-on Card Fee
Nil
Rewards Redemption Fee
Rs. 99 (plus applicable taxes)
Fuel Surcharge
1% fuel surcharge waived off on all fuel transactions between Rs. 400 to Rs. 5,000
Foreign Currency Markup
2% on all foreign currency transactions (plus applicable taxes)
Cash Advance Charges
2.5% of the cash amount withdrawn or Rs. 500 (whichever is higher)
Movie & Dining
N/A
Travel
6 Complimentary lounge access at more than 1,000 airports lounges globally
International Lounge Access
Up to 6 international airport lounge access every year
Rewards Rate
4 Reward Points on every retail spend of Rs. 150. Savings of up to 1.3% on all your spends through this card
Golf
N/A
Insurance Benefits
Insurance cover of Rs. 1 Crore for an air accident, coverage worth Rs. 25 lakhs for emergency hospitalization, and a cover worth Rs. 50,000 for baggage delay
Reward Redemption
You can redeem reward points against air tickets, and for AirMiles across Singapore Airlines, Air India, and Jet Airways at a rate of 1 RP = 0.50 Air Miles. 1 RP = Rs. 0.50 for redemption against Flight/Hotel bookings through Smartbuy, 1 RP = up to Rs. 0.35 for redemption against products & vouchers, and 1 RP = Rs. 0.20 for CashBack
Domestic Lounge Access
Up to 6 domestic airport lounge access every year
Zero Liability Protection
The cardholder will not be liable for any fraudulent transaction done through his/her lost/stolen credit card if reported to the bank within 24 hours of the loss
Pros
Get 6 complimentary access to more than 1000 lounges worldwide Renewal fee waiver on spending Rs. 3 Lakhs in the year Cross-currency conversion charges are low and 2% forex markup fee
Cons
No complimentary movie ticket, entertainment, and dining offers No cashback on your spends made with the card Reward rate could have been a bit better
