HDFC Bank Diners Club Premium Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Receive a welcome bonus of 2,500 additional Reward Points. Earn 4 Reward Points for every Rs. 150 spent on retail purchases using your HDFC Diners Club Premium Card. Redeem your reward points for flight/hotel bookings with over 150 airlines. Enjoy up to 6 complimentary lounge access per year at over 1,000 airport lounges worldwide. Receive exclusive insurance benefits. Receive a 1% fuel surcharge waiver. Have your renewal fee waived based on your spending.

The HDFC Bank Diners Club Premium Credit Card is a great choice for frequent travelers, providing a range of benefits and rewards that enhance the travel experience.

With a joining fee of Rs. 2,500 + GST and a renewal fee of Rs. 2,500 + GST, this card offers excellent savings and rewards.

One of the standout features of this card is its reward program, which offers Reward Points for every retail spend of Rs. 150.

With 4 Reward Points earned for every retail spend, you can quickly accumulate points that can be redeemed for a variety of options.

Additionally, as a welcome benefit, you will receive 2,500 bonus Reward Points.

For travelers, the card offers 6 complimentary lounge access at more than 1,000 airports lounges globally.

This means that you can relax and enjoy the comfort of airport lounges no matter where you're traveling.

Furthermore, the card provides up to 6 domestic and 6 international lounge access every year, ensuring that you have access to comfortable amenities during your travels.

In terms of insurance benefits, the HDFC Bank Diners Club Premium Credit Card offers an air accident cover of Rs. 1 Crore, emergency hospitalization coverage worth Rs. 25 lakhs, and a cover worth Rs. 50,000 for baggage delay.

These insurance benefits provide peace of mind during your travels, knowing that you have protection in case of unexpected events.

There is also a spend-based waiver for the annual renewal fee.

If you spend over Rs. 3 lakhs within one anniversary year, the renewal fee for the card will be waived off.

This is a great opportunity to enjoy the benefits of the card without worrying about additional fees.

It is important to note that there is a rewards redemption fee of Rs. 99 (plus applicable taxes).

Additionally, for foreign currency transactions, there is a markup of 2% (plus applicable taxes).

The interest rate on the card is 3.6% per month or 43.2% annually.

With regards to fuel surcharge, this card offers a waiver of 1% fuel surcharge on all fuel transactions between Rs. 400 to Rs. 5,000.

This is a valuable benefit that can save you money on your fuel expenses.

For cash advances, there is a fee of 2.5% of the cash amount withdrawn or Rs. 500 (whichever is higher).

It is advisable to use this feature sparingly, as cash advances can attract high fees and interest charges.

In conclusion, the HDFC Bank Diners Club Premium Credit Card is a top choice for travelers seeking a card with excellent rewards and travel benefits.

With its lounge access, insurance coverage, and savings on fuel surcharges, this card provides a comprehensive package for frequent flyers.

However, it is important to be aware of the applicable fees and interest rates associated with the card.