HDFC Bank Diners Club Rewardz Credit Card

Joining fee

₹1,000 + GST

Renewal fee

₹1,000 + GST

Fee waiver rule

On annual spends of ₹1 Lakh, get ₹1,000 renewal fee waived off on your Diners Club Rewardz Credit Card

Add-on card fee

₹0

Welcome benefit

1,000 Reward Points on card activation and renewal.

Reward rate

3 Reward Points per ₹200 · everyday spends3 Reward Points for every ₹200 spent.

EMI spend earning

Reward Points /CashPoints accrued will be reversed if a retail transaction is converted into SmartEMI.

Government spend earning

Government related transactions will not earn Reward Points /CashPoints on all the cards.

Online earning

Up to 5% CashBack for spends via SmartBuy

Rent earning

Rent payments will not earn Reward Points.

Wallet load earning

E - wallet loading transaction will not accrue Reward Points.

Reward exclusions

Education payments made through third - party apps like (but not limited to) CRED, Cheq, MobiKwik, etc will not earn Reward Points.

Reward caps

Reward Points earned capped at 15,000 in a statement cycle.

Catalogue redemption

Products Catalogue and vouchers up to ₹0.25

Flight redemptionWhat one reward unit is worth

SmartBuy (Flight and hotel bookings) ₹0.30.

Hotel redemption

For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.

Points transfer redemption

AirMile Partners: Jet Airways (JPMiles) or Singapore Airlines (KrisFlyer Miles)

Statement-credit redemption

CashBack up to ₹0.15

Point expiry

Reward Points /CashPoints are valid only for 2 years from the date of accumulation

Airline and hotel partners points may move to

Reward Point = 0.30 AirMile.

Domestic lounge access

Unlimited airport lounge access to 1,000 plus lounges in India for both primary and add-on card members.

International lounge access

Diners Club Credit Cardholders can use their credit card to avail lounge access outside India.

Concierge

24 x 7 Global Personal Concierge Service for travel needs.

Renewal benefit

1,000 Reward Points on renewal.

Surcharge on railway tickets

1% of the transaction

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

1.75%1.75% on each International transaction carried out in Indian currency at an international location

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interestInterest on unpaid balance

3.75% per month (i.e., 45% per annum)

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Over-limit fee

2.5% of the overlimit amount subject to minimum of ₹550

Payment return or dishonour fee

2% of the payment amount (minimum ₹450)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Charge for lounge visits beyond the free limit

Charged at the prevailing lounge rate inclusive of taxes

Education / school fee charge

1% fee will be levied on Education transactions done through third party applications.

Fee on online skill-based gaming spends

1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Grace days after the due date

The interest free credit period could range from 20 to 50 days