Diners Club Credit Cards in India and its Acceptance

By | April 15, 2016

I’ve a special respect for Diners Club International credit cards because they are the founders of credit cards and the first company to introduce credit cards and charge cards to the world which was later followed by American Express. However, in the present scenario, the initiator is lagging behind the companies that emerged later. In India, its good to see that Diners Club does put enough efforts to capture HNI market through its partnership with HDFC Bank.

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Diners Club Credit Cards Acceptance in India – Diners Black Variant in Picture

In-spite of their acceptance issues, with their frequent 10X promotions and unlimited lounge visits on all card variants, Diners club still stand on top of the line with their unmatched rewards and benefits.

By Partnering with HDFC bank – the credit card leader of the country, Diners Club International issues 4 Credit card Variants in Indian market to fit into customers of varied income slabs. We’ve reviewed most of them, here’s a quick recap..

Diners Club Credit Cards in India

  1. HDFC Diners Club Black – (Reward Rate: 3.3%)
  2. HDFC Diners Club Premium – (Reward Rate: 2%)
  3. HDFC Diners Club Rewardz – (Reward Rate: 1.5% to 3%)
  4. JetPrivilege Diners Club – ( 8 JP Miles per Rs.150)

HDFC Credit cards provides one of the best in class rewards and with Diners club credit cards, rewards goes unbelievably sky high with their 10X Rewards Promotions with which you can get upto whooping 33% reward rate on Diners Black Variant. This means, all your Flight tickets, Flipkart/Snapdeal shopping are 33% cheaper than market price.

Impressive isn’t it? (Duration of this offer & participating merchants keeps changing from time to time)

Diners Club International Credit Card Unique Benefits:

  1. 10X Rewards (as mentioned above)
  2. Unlimited lounge Access to 600+ Lounges across the globe on Diners Jet/Black cards. Diners Premium/Rewardz cards has unlimited access to domestic lounges alone, which is still a great feature i should say.

No card in the Indian subcontinent can beat the above benefits if you’re smart enough to enjoy the said benefits.

Diners Club Credit Card Acceptance in India:

This is the major setback for Diners club credit cards in India. Diners cards are being accepted only on HDFC terminals which basically reduces the acceptance rate. Even though HDFC does have very good coverage of merchants in Metro/Urban cites, it still needs to expand its network for higher acceptance rate. I can fairly put it this way:

  • Online Acceptance in Indian Websites: 90%
  • Offline Acceptance in India: 60%
  • International Online Acceptance: 75% (Look out for Discover Logo)
  • International Offline Acceptance: 50% (Look out for Discover/JCB Logo)

Note: Above acceptance rate info are from my personal experience and it doesn’t give you the real % in the industry.

I see quite a lot of Indian websites these days that started accepting Diners cards, compared to the situation in 2014. This is partly because payment gateways are competing with each other to provide payment solutions with maximum acceptance to merchants to reduce the abandoned carts.

Major websites like Flipkart, Snapdeal, Paytm, etc accepts Diners cards except Amazon India.

Diners Club Credit Card Acceptance in Foreign Countries:

As Diners club does not exist in some countries, International acceptance is bit tricky. Diners club has partnered with couple of banks/card networks around the world to make sure International usage doesn’t get hit. For example, if you’re visiting Japan, Diners cards are accepted in JCB machines, and Discover in USA and few other countries are there as well.

You can use Diners Club Credit Card issued in India on Paypal. It uses Discover network to process your payment.

Also, Discover/Diners card holders in other countries can swipe their cards in India on Rupay enabled Machines.

Should i get Diners Club Credit Card?

I would say – it all depends on your usage. If you hold Diners cards, you need a backup Visa/Master card at any point of time. If you’re smart enough, you’ll get one Diners card to enjoy the frequent shopping/travel promotions, lounge access and have a backup Visa/master card from other bank.

Do you have Diners Club Credit card? Share your experience in comments below.

24 thoughts on “Diners Club Credit Cards in India and its Acceptance

  1. Abhishek Roy

    Hi!! Greetings. The acceptance of Diners has drastically increased now a days. Actually, Diners Cards get accepted at POS machines by HDFC, Citibank and Yesbank. So the current offline acceptance in my personal experience is around 8-9 times out of 10. The only POS machines that as of now don’t accept Diners cards are from ICICI and Axis bank. Besides, Diners cards are also supported by all major Mobile wallets like Paytm, Mobikwik and PayuMoney. This way even if a website doesn’t support Diners card but support payment with these wallets, you can still make it work. So online acceptance is close to 9-10/10. The only major website that doesn’t support Diners card is Amazon.in. I own a Diners Rewardz card and have a back up card for those rare instances where my Diners Card is not accepted. Till now I’m very happy with the card.

    Reply
  2. rahul rewari

    does the newly launched system of making contributions in national pension scheme NPS has diners card as acceptable means ? and how about the different payment gateways on the lic website .?

    and how to save most on payment of ” lic insurance premiums” ? and on premium of nps ?

    i have one more question
    is there any way by means of which one can get discounted cpp plan ?

    regards

    Reply
  3. Sumeet

    You can use 00 in start of your card for making online payment.

    Reply
  4. puneet venkata

    Hi Siddharth,

    I am applying for Dinner Club Black. Have you used this under “Discover Type” and checked. I use paypal a lot and with out paypal acceptance I wouldn’t want to apply for this.

    Regards
    Puneet

    Reply
    1. Siddharth Post author

      Puneet,
      Yes, it does work on Paypal and uses Discover network for the same. I’ve read someone post about its acceptance in PayPal. It works!

      Reply
  5. Vineet Verma

    Does Diners cards accepted on indian railways IRCTC site while booking tickets?

    Regards,
    vineet

    Reply
    1. Siddharth Post author

      Haven’t tried directly.
      Still you can charge using Paytm wallet and use it on IRCTC. You get some cashback from Paytm too 🙂

      Reply
  6. Deepak

    Hi
    I hold HDFC Regalia, and thinking of getting Diners Club Black.
    Would HDFC issue a second card to the same person?

    Reply
    1. Siddharth Post author

      Highly depends on credit limit, your relationship value with bank etc.

      Reply
  7. Sunny

    Just for the info, customer care executive in HDFC told that as per their records acceptance for diners is now around 86%.

    Reply
  8. vaibhav

    Diners Cards are now accepted at over 1 million terminals. I recently found that they are accepted at ICICI, HDFC, SBI, Axis and Citi Bank POS machines. They are recognized as ‘Rupay’ in the card type on receipt, but the payment gets done. Initially I was also hesitant about getting a Diners Credit Card, but their increasing acceptance has sweetened the deal along with its 10x reward points offer

    Reply
  9. Anand

    I have an HDFC all miles with close to 20k points and 6Lakh limit. Which one should I upgrade to and how to use the points most effectively. ( prefer using it on travel)

    Reply
    1. Siddharth Post author

      Upgrade to Regalia or Diners Black.
      Flights & recharges gives you the maximum value for money.

      Reply
  10. Ranjit Kumar

    Siddharth,
    If i have add on credit card for my wife . Can i and my wife both use an airport lounge?

    Reply
  11. chinnaprasad

    hi

    am using hdfc diners club rewadz but i want change to hdfc diners club black
    am getting take home salary : 37800 / fast 6 months am spending more than 50k using hdfc diners club rewadz
    am i eligible for this card

    Reply
    1. Siddharth Post author

      Talk to your RM, if you spend 50k per month, they might consider.

      Reply
  12. Wasif

    Hey, does dinner reward card get accepted at Amazon? I’ve heard it doesn’t… Please confirm…

    Reply
    1. Siddharth Post author

      No you can’t as of now. However, i was said they’re in the process of implementation. We can expect it sometime in 2017 maybe.

      Reply
  13. Abdul

    I have a diners premium card. I will b going to qatar soon. Is this card valid in the middle east ?

    Reply
    1. Siddharth Post author

      Not much. You can never have this card as a primary card. Always have a backup Visa/MC.

      Reply
  14. Ankita Bajaj Shankar

    Hey! My husband has a diners and he gets all these cool benefits! I have been using an icici cc for last 12 years and do spend a lot on it. It get zero benefits except some silly payback points which are no good!

    Can he apply for me to get a diners?

    Reply
    1. Siddharth Post author

      He can get you an Add-on Card. else you got to apply on your name as primary card holder.

      Reply

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