HDFC Diners Club 10X Rewards Further Extended through October 2017

By | May 2, 2017

If you’re in India and not using the HDFC Diners Club Cards then you should. It’s because it’s a sin not to use their 10X program for accruing reward points. It was in 2011-2012 that HDFC Bank partnered with Diners Club International ย (The company that came up with world’s first credit card) to bring their cards to India. Diners Club was the one to introduce the first charge card to the world, wanna know more? check out Difference between Credit Card and Charge Card

HDFC Diners Club 10X Rewards Uber

Initially there were hiccups as the acceptability was less and merchants were reluctant to allow those cards on their websites and PoS machines due to the relatively higher fees than their counterpart (VISA and MasterCard). But then HDFC shifted the whole game to the new level with their 10X programs which can help you earn up to 33.33% cash back as reward points. This year they have extended their generous 10X again till 30th April, 2017 and then now through October 2017. But there have been some interesting changes.

HDFC Diners Club 10X Rewards Program Changes as on May 2017

  1. The program has now been extended till 31st October, 2017ย July 31st 2017 (extended)
  2. The reward earning capability has been drastically reduced by half on all cards, for Diners Premium (Max 5,000 RP/month) and Diners Black (Max 25,000 RP/ month)
  3. To be eligible for the offer, cardholder has to do minimum 5 transactions in a statement cycle.
  4. New partners List: Smartbuy, Amazon, Bigbasket, Uber, Redbus, Luxehues, Swiggy, Lifestyle and Bookmyshow. Removed: Flipkart, Myntra, Goibibo, Makemytrip
  5. Free One on One Movie ticket limits introduced: 4 for Black and 2 each for Premium and Rewardz per month.
  6. SmartBuy offer is applicable only on Flight and Hotel bookings. Also cardholder has to continue as a guest to avail the offer
  7. 10X Reward Points is not applicable on EMI transactions.

HDFC Diners Club 10X New Partners through Oct 2017

Interesting info: Amazon has been named as one of the partners. If that is true then it’ll be huge as it was the only major e-commerce website which was not there in the 10X partner brands. Yes, now Amazon ACCEPTS Diners cards and the payment goes through smoothly.

Why shall it be a setback?

Earlier the reward accrual capability was relatively generous

What does this mean?

This means you can spend maximum โ‚น18,750 on the Diners Premium on the 10X category above which you won’t get any 10X points. And you can now just spend a maximum of โ‚น75,000 on the Diners Black on the 10X category above which you won’t get any 10X points. However, you’ll still continue to get the points as per the base rate of the respective cards. This is a drastic change. I know people who used the purchase big on this HDFC Diners Cards to earn massive discounts. But this earning power will be very limited now.

Besides, if they remove partners like Flipkart, Goibibo, Makemytrip and Myntra, it’s going be difficult to earn rewards points as traveling is one area where we spend huge and thus it makes it easier for us to accrue reward points quickly. However, Smartbuy will still compensate that to some extent.

Having said that, I still believe HDFC Diners Club Cards are still one of the best cards you can have in India as of now.

Future of Diners 10X Rewards? As predicted earlier at Cardexpert, 10X program is likely to be extended even further with shuffled partners. This will keep happening until Diners Club Acceptance in India increases as good as Visa/MC and then you can expect the 10x program to be discontinued or heavily devalued. This might be happening sometime by 2018, enjoy until then ๐Ÿ™‚

Update: 2nd May 2017: Its funny that they’ve updated the dates to July 31st 2017 from October 30th 2017. But its just to test our curiosity ๐Ÿ˜‰ Most deals are usually signed with merchants for 6 months. Maybe they might add new terms after July, lets see.

Update: 6thย July 2017:ย Good news for Diners Club Users. You can now gain 10X points on a lot of other transactions on SmartBuy like Flights, Hotels, Buy, Recharge, Shopping via Flipkart and Bill Payments. So, yes, this can gain you a lot of points.

Need more such updates on Diners program? Follow us on Facebook for quicker updates. Do let us know your views on this topic. What is your new strategy to earn points?

Author: Abhishek Roy

Abhishek is a Doctor by profession and is passionate about Technology and Photography. He pursues his hobbies during the little free time he gets and likes to make the most out of it. He has special interest in Credit/Debit Cards, Reward Points, Air Miles and Travel Hacks.

204 thoughts on “HDFC Diners Club 10X Rewards Further Extended through October 2017

  1. Jasneet Singh

    Now, they have changed the date from 31st October to 31st July.

    Reply
    1. Siddharth

      Lol. Funny guys! They do it every time ๐Ÿ˜›

      Reply
  2. aman

    smartbuy not a good webiste for airline booking.. there is no option of multicity flights… so cant use 10x feature for multicity flights…

    Reply
  3. Dhananjai

    Is smart buy a good website for buying stuff. It is comparing amazon/flipkart etc and giving the cheaperst option + 33% cashback.

    Reply
    1. Siddharth

      Yes, its a HDFC product. 10X applicable only on hotels/flights.

      Reply
  4. Majumdar

    Two more things.

    Smartbuy points will be reflected in 90 days, like Lifestyle. Also Smartbuy is not only for hotels or flights, it is for recharge and utility too, no?

    I guess all good things have to come to an end. the old style 10X was one of them.

    Regards

    Reply
    1. Siddharth

      They removed “recharge and utility” part few mins back. They’re updating the terms one line at a time and doing lots of edits i guess ๐Ÿ˜€

      True, old days are gone!

      Reply
  5. Abhishek

    In Amazon “Your Account > Add a Credit or Debit Card” page, the “Credit/Debit card type:” shows only Visa, Mastercard and American Express. How do add/you pay via Diners card?

    Reply
    1. Siddharth

      Just add it, it’ll get added. I tested this with amazon pay and works pretty well.

      Reply
    2. Abhishek Roy Post author

      Yes, this was the basis of confusion earlier. The Mobile app doesn’t ask which type of card it is. The Website does ask it but chose any card and you’ll be fine.

      Reply
  6. Abhishek

    Movie ticket value is also halved now from Rs 500 to Rs 250

    “Discount amount on a movie ticket will be equal to ticket value or Rs. 250/-, whichever is lower, per movie ticket.”

    This was ticket value or Rs 500/-, whichever was lower till last week!!!

    I had booked 4 tickets and got Rs 1000 off just last week!

    Now the Terms and Conditions say the following:

    10. If eligible, for booking of two movie tickets in one instance, discount value will be
    applicable for one movie ticket (or Rs 250, whichever is lower). For booking of
    three tickets in one instance, discount value will be applicable for one movie
    ticket (or Rs 250/-, whichever is lower). For booking of four tickets in one
    instance, discount value will be applicable for two movie tickets (or Rs 500/-,
    whichever is lower).

    Reply
    1. Siddharth

      As far as HDFC is concerned or even most banks,
      The more we use any offer, the more likely its going to have new rules & limits ๐Ÿ™‚

      Reply
    2. Abhishek Roy Post author

      Forthe last few weeks, I was not able to get a single discount on any tickets. I don’t know why. When I apply the movie one on one offer, the price gets halved but when I was taken to the Protect Buy page, I was shown the full price.

      Reply
  7. Murali

    I had made a transaction of over 1.3 lakh on 10x patterns before May 1, 2017 , for which I should receive over 40k points will my present points be capped to only 25k points this month?

    Reply
    1. Siddharth

      You’ll get 40k as its April spend. For all future spends its capped at 25k

      Reply
      1. Sandeep Gadgil

        Just asked the same question today to their customer support. The rep said he was not sure and that they’ve asked for clarification. He suggested that I call back in a day or two.

        Reply
  8. Sulabh Gupta

    By the way redbus has hotel booking as well

    Reply
    1. Abhishek Roy Post author

      Yes, but the hotels are way costlier than Goibibo and MMT. Those were a traveller’s heaven when it came to booking hotels. Redbus is nothing compared to it.

      Reply
      1. Sulabh Gupta

        Something is better than nothing ๐Ÿ™‚ What’s gone is gone

        Reply
  9. Nitin

    It will be great if someone can verify the following.
    1. 10X points from Amazon are indeed received
    2. 10X points from Amazon are still received in case of adding funds to Amazon pay balance
    3. 10X points are received on time as earlier, i.e. 2-3 days from the next statement
    4. If 10X benefit also for shopping at Amazon.com

    Reply
    1. Abhishek Roy Post author

      1. Yes
      2. Yes
      3. No. It’ll get credited in the next cycle.
      4. No

      Reply
      1. Biby

        For loading fund in AmazonPay we will get 10x? Are you sure?

        Reply
        1. Abhishek Roy Post author

          Yes. Since they haven’t mentioned that they won’t be crediting 10X for loading wallet hence I’ll assume it will work out that way. Besides, think logically, there is no way to get back the money that you spent on loading the wallet. It is already with amazon. So either way they’ll be getting that money. Besides, you cannot use that money in any other way apart from buying things from amazon. So the purpose is solved. Besides, you cannot loads thousands and thousands of money in the wallet. At a time, in a month the max capacity is only โ‚น20 K. So that puts a check on misuse too.

          Reply
          1. Mahesh

            Just to add, I made 2 purchases in amazon
            13/05/2017 AMAZON SELLER SERVICES MUMBAI IN – Direct Product Order
            13/05/2017 AMAZON SELLER SERVICES MUMBAI IN – Added money on Amazon Pay

            If you see in both the cases the merchant description is same. Also in the SMS you receive, the merchant name will be same in both the cases. Till amazon differentiate between the both the transactions and helps the bank, I think we should get 10X points. ๐Ÿ™‚

          2. Abhishek Roy Post author

            No man, there is no difference, that’s why I said earlier only that they should allow for all transaction on amazon, however I’ll still wait before checking myself.

          3. Mahesh

            Abhishek, thanks for all your insights.
            Regarding loading wallet, they already have a condition in their website
            3. Only direct payments made using HDFC Bank Diners Club retail cards will be eligible. Any wallet payments will not be eligible even if wallet is refilled through HDFC Bank Diners Club Credit Card.
            What does this mean?

          4. Abhishek Roy Post author

            That works for Uber and Bigbasket.

          5. Mahesh

            Got it. Uber/ bigbasket through other wallets loaded with DC card.
            Makes Sense.
            Thank you

      2. aman

        why u said the 4th option is no. why can we get 10xpoints for shopping on amazon[dot]com.. then how to get 10x points on amazon…

        Reply
        1. Nitin

          Yes. Agreed. And similarly I am asking for a first-hand experience for 1-4 points.

          Reply
          1. Abhishek Roy Post author

            Well then, wait for 2-3 months, you’ll know it yourself from 1st hand experience. Because this rule and these partners like amazon.in have been added for the first time. So no one has first hand experience yet.

          2. Nitin

            FYI. I did a top up for Amazon pay but didn’t receive the 9X points. You can see how many incremental points you are going to get in the next statement on hdfc netbanking -> Cards -> Enquire -> Account information -> “Reward Points Balance – Current”

            The incremental 9X points show up 2-3 days after statement generation and are credited to “Reward Points Balance – Current”.

            For now, I have asked Amazon to refund the money back to credit card.

          3. Abhishek Roy Post author

            Until you allow that money to be there, you’ll never know if you’ll get the other 9X points or not. FYI, once you recharge the wallet, you’ll only get 1X points within 3 days when that transaction is posted as an unbilled debit. But once the statement is generated, after 2 days you’ll get the rest 9X points. Since you have already reversed the transaction, you’ll not know how much you earned.

        2. Abhishek Roy Post author

          10X points are only for amazon.in, not for amazon.com.

          Reply
      3. Manu kumar

        KINDLy confirm whether the 10x rewards are applicable on adding funds to amazon pay

        Reply
    2. Saurabh

      Regarding point 3, usually i have noticed the pattern – out of 10x, x will be credited in current statement, and 9x credited in the next one. Hope this pattern will continue

      Reply
  10. Pushkar

    When 10x points are getting credited for each transaction, same month statement or after 90 days ? And, how to check points earned per transaction ?

    Reply
    1. Abhishek Roy Post author

      1X points credited within 3 days. 9X points credited after next statement cycle. However you can redeem them only after further 1 month.

      Reply
      1. Pushkar

        Thanks Abhishek!
        Any idea how to check points per transaction ?

        Reply
        1. Abhishek Roy Post author

          Yes you can. The moment you get the ransaction claimed by the merchant and it comes in unbilled debits from authorization, you’ll see that 1X points have been credited. However, in order to look for the 9X points you have to call them up and ask for a break up of all earned points after a month or so. I used to do it but don’t do it now and the process is pretty automated and doesn’t require any follow up. So don’t worry, your points will get credited for sure.

          Reply
  11. Sunny

    “SmartBuy offer is applicable only on Flight and Hotel bookings. Also cardholder has to continue as a guest to avail the offer”
    What is meaning of continue as guest?
    Also what exactly is buy 1 get 1 movie ticket changed to ? Can we book twice in a month or can we book only two tickets and get 1 free out of it only once ?

    Reply
    1. Abhishek Roy Post author

      You can book 2 tickets for free by rewardz and Premium and 4 with Black. This means 4 tickets are to be bought to get 2 free tickets and 8 tickets are to be bought to get 4 free tickets

      Reply
      1. Sunny

        Thanks Abhishek for the crisp clarification, also could you please explain about “continue as guest” concept?

        Reply
        1. MRD

          Think this means you need to proceed to make the booking without logging into Smartbuy?

          Reply
        2. Abhishek Roy Post author

          You cannot “log in or sign in” every time show them that you are a new user and you don’t want to sign up. When they ask for phone number and email ID, just give them what you always use. It is pretty much similar to Bookmyshow where you always have the option of not logging in but you can complete the transaction as a guest by giving mobile and email. But in Bookmyshow you can earn 10X points both by logging in or continuing as guest. However, in SmartBuy you NEED to continue as guest only. No log in or sign in

          Reply
  12. Anurag

    Does the reward points limit apply on the addon card as well?
    For example, if i hold a Diners premium and an addon card in my wife’s name. Will the limit be 5k or 10k points per cycle. (As per new rules)

    Reply
    1. Abhishek Roy Post author

      This limit is inclusive of all the spends that you do on your primary or add-on card cumulatively.

      Reply
  13. Abhay Arora

    For diners premium ,maximum spend will be 18750 to accrue 5000 points in 10x program.

    Reply
  14. Atul

    Hi,
    I have HDFC all miles card with 2 Lacs limit..ITR income is 15 Lacs plus..How do I apply for HDFC diners card? Which card am I likely to get?

    Atul

    Reply
    1. Abhishek Roy Post author

      Just drop the form to Chennai address and if everything is right, you are most likely to get Diners Premium.

      Reply
  15. Majumdar

    Few points worth mentioning.

    In all likelihood this list of vendors is not final. That’s why the frequent flip flop in dates. If you remember last year, they had month on month extension and it was only in August that in one go they extended the validity till March 31. I have a feeling that some OTAs could be back by August. But it is unlikely that the cap would be restored to 50K. The offer was too good.

    The moral of the story is make use of all such unbelievable offers till they last. You never know when they are pared down.

    Regards

    Reply
  16. Majumdar

    Second point, some of the hotels on the partner websites are indeed pricier (altho very small differential for flights) but what if these stays are at corporate expenses- some corporates do have corporate cards/travel desks, but many dont. I think most PSUs/ govt deptts dont. For employees in such entities, such overpricing is of no consequence, in fact higher the better, you get the points, your org picks up the tab. I suspect such offers are essentially directed at catching spends from such employees.

    Regards

    Reply
  17. Mouli

    Hi,

    I am having Regalia card for more than two years and HDFC account for 12 years as Preferred customer.

    I made request to upgrade to Diners Black but they are refusing saying salary should be minimum 1.75 Lakhs /Month.

    Does Everyone who holding Diners Black are getting 1.75 Lakhs/Month ?

    Reply
    1. Siddharth

      And existing Limit? It also matters. You can also check out the conversations in Diners Black thread to get an idea.

      Reply
        1. Siddharth

          Talk to RM, you may get it. They’ll look into the past spends as well to decide.

          Reply
    2. Manav

      I have been told by my RM that salary limit is 6 Lacs per month ( post tax) means an annual CTC of around a crore.. Sounds so impractical Right?

      I have been trying for an Upgrade from Regalia to Diners Black and its stuck in process since 3 months now.

      RM hasn’t been able to push the case and Branch Manager washes his hands off saying Credit Card Division is separate and he cannot do anything..

      Reply
      1. Abhishek Roy Post author

        New rules specifically says that you need to have gross salary of โ‚น1.75L/month if you are salaried or if you are self employed then you need to have an ITR filed for an amount of 21L in the preceding year.

        Reply
  18. Arjun Jayasimha

    To be eligible for the offer, cardholder has to do minimum 5 transactions in a statement cycle.

    – I couldn’t find this piece of information on the dinersclub website. Can anyone please confirm this?

    Reply
    1. Siddharth

      Check the terms & conditions. Its mentioned there.

      Reply
  19. Madhuri Bharatiya

    I got my limit enhanced from Rs. 20,000 to 75,000 on February 2017. Should I apply for Diners rewardz or Premium. I don’t have any other relationship with HDFC besides my Moneyback business credit card. Do you think I will be eligible for any diners card or Jet world card ? I am interested in both.

    Reply
    1. Siddharth

      Thin chances with this limit, anyways you can try for Rewardz.

      Reply
  20. Prashant Gupta

    I have done close to Rs.6-7L spends in last 6 months on HDFC regalia, limit of card is.Rs.5.88 L. I have sent the upgrade form for Diners Black to the chennai office, I hope i get the card. Only thing is my Gross salary is not Rs.1.75L but above Rs.1L.

    Reply
    1. Abhishek Roy Post author

      I don’t think the salary will be a problem.

      Reply
  21. Adi. H.

    Hi, What are the minimum elegibility requirements for this card?

    Reply
    1. Abhishek Roy Post author

      No elegibility as such. Diners Rewardz roughly 60K per month and Diners Premium roughly 1L per month. Diners Black, can’t say. It’s your relationship that matters. New rules for Diners Black – โ‚น1.75L/month gross salary

      Reply
      1. Prashant Gupta

        Abhishek on diners site it says Groos Rs.60K for Premium and Rs.30 K for Rewards

        Reply
        1. Abhishek Roy Post author

          Then they have decreased the eligible salary for Diners Premium and Diners Rewardz now.

          Reply
        2. Manu kumar

          HDFC is very opaque about its criteria, I was provided the Diners Rewards Last year, when I requested for the upgrade on the basis of usage, they said I need to submit income proof.

          The issue here is, they are not taking usage as presumptive income, added to this, technically I have become eligible for Premium, as i was eligible for Diners Rewards, when its income criteria was 60 k plus last year..

          Reply
      2. Anil

        Hey there is no mention of removal of 10x on Smart Pay
        Earlier they gave 10x on Smart pay also

        Reply
        1. Abhishek Roy Post author

          It hasn’t been mentioned as it was removed after 31st march itself. It’s not something that was recently changed. Hence not covered.

          Reply
  22. Rahul

    Hey Sid,

    Please help me to get my first credit card.
    from which cc i should start.
    I’ve selected few below please suggest as you know better than me.
    SBI SimplySave
    CITY Rewards
    or anyother you suggesting.

    Mostly i want to use card for grocery shopping, dineout , movies and some shopping.
    1L limit is enough for me. Please suggest.

    Reply
  23. Anil

    I believe you should change article title from 31st October to 31st July

    Reply
    1. Abhishek Roy Post author

      There is a reason why an “Update” is given at the end.

      Reply
  24. Toshi

    Do you know if the HDFC Infinia card also has these same updated partners now for a 5X promotion? Thanks.

    Reply
  25. Prathamesh Magdum

    Hi Abhishek,

    In new update will we get 10x reward points on HDFC SmartPay?

    I checked on hdfcbankdinersclub[dot]com site but unable to find what I expected.

    Thanks.

    Reply
    1. Abhishek Roy Post author

      It has been removed after 31st March 2017

      Reply
  26. Amardeep

    Does shopping on amazon.in will give us 10x points.i recently shopped some grocery from amazon.in

    Reply
  27. Prateek

    I think this point from the T&C was missing in the post – “Only transactions of Rs. 150 and above will be eligible for reward points”

    Reply
    1. Abhishek Roy Post author

      This thing has nothing to do with this post. Everyone who uses HDFC Credit card knows that you don’t qualify for any Reward Points if your spend is less than โ‚น150. So, this is something that is understood.

      Reply
      1. Pushkar

        If there are multiple transactions in 10x categary (say uber) which sum up more than Rs 150 in statement cycle, then points will be provided or not ?

        Reply
        1. Abhishek Roy Post author

          No, you’ll only get any reward point if each transaction value is โ‚น150 or above.

          Reply
  28. Reshma

    I’ve hdfc saving account, but the debit card they provided is 500 rupees per annul. can it be reversed ?

    Else I want to stop it. What you all use ?

    Reply
    1. Abhishek Roy Post author

      Use that for this year. Or you can visit the branch and apply for a new one.

      Reply
  29. Ashu

    Great Article!! Does anyone know what is points validity on Diners premium card?

    Reply
  30. supreeth

    i transacted for 30k on flipkart only once in a single order before april 31st in my diners card. will it be eligible for 10x points? did it have 5 transactions or more clause before april 31st?

    Reply
    1. Abhishek Roy Post author

      No, if it was before 30th April, you should be earning 10X points on it.

      Reply
  31. jai shah

    Hi,
    @ Abhishek – I was under the impression that there is no cap in terms of time for validity of reward points for Diners Rewards and Premium. There is a mention on the Diners website that the reward points will expire for Diners Black after 3 years but nothing for the other 2 categories. Am i missing something or is there any section where the 2 year validity is mentioned?

    Reply
    1. Abhishek Roy Post author

      Hi Jai,
      The only Card in HDFC apart from Infinia (I am not sure about Infinia though) that has a validity of 3 years for RP is Diners Black. Rest all cards have 2 years validity on points. You can check it when you see their standard terms and conditions for the cards. It says the points validity is 2 years. Only in case if Black, they mention specifically that it’s 3 years. For all the rest of the cards it’s understood that they have 2 years validity. I had th privilege of holding all the three variants of Diners Cards. That’s why I’m saying so.

      Reply
  32. Sherin Stephen

    Hi Abhishek,

    I use Diners Rewards Card a lot and was surprised to see that I couldn’t book the movie tickets with the offer as I always do. Thanks for your article on the changes in the Terms and Conditions. It is really helpful.

    Reply
    1. Abhishek Roy Post author

      Thanks Sherin. You can book tickets now. For the last whole month, I too wasn’t able to buy a single ticket on discount from their portal. It was because they were changing their site for the new rules. You’ll now get 2 discounted tickets on your card. Max value of discounted ticket can be โ‚น250

      Reply
      1. Manu kumar

        With this move Hdfc has taken away the cards Mojo

        Reply
  33. Anonymous

    For normal (non-10X or 2X) transactions, you still get 5 points on every Rs. 150, right? Even if that is to fill up a wallet?

    And do you know what transactions qualify for 2X? I’ve never fully understood where 2X would apply.

    Thanks!

    Reply
  34. Mahesh

    Very Informative Abhishek,
    Only thing I am waiting to know is whether 10X points will be there for amazon pay or not. Then still it will be worth it. I think we will have to wait for a month to know that ๐Ÿ™‚
    Thanks

    Reply
    1. Abhishek Roy Post author

      Yes, don’t worry, I’ll update once I come to know about it. In all probabilities they will allow.

      Reply
  35. shishir

    Do we get 10X points if we add balance to Amazon Pay?

    Reply
    1. Abhishek Roy Post author

      I think so, but we will have to wait for someone to confirm this.

      Reply
    2. Harish

      Yes I have received 10x for adding money to amazon pay balance.

      Reply
  36. UTKARSH

    What all comes under eligible retail transaction ? Can this be checked before doing transaction ?

    Reply
    1. Abhishek Roy Post author

      You don’t have to be worried about it. If you don’t have a business credit card, it is none of your concern.

      Reply
  37. shishir

    For Diners black, the limit of 25000 points per cycle is for the entire 10x points or is it for applicable only for the 9x which are credited in the next cycle?

    Reply
  38. Parvinder

    I have been using Diners Rewardz card for last 3 years. It is due for renewal. I am an employee with Salary of Rs.1,00,000 p.m. Can I get Diners Premium card on renewal?

    Reply
    1. Abhishek Roy Post author

      Yes, you’ll easily get it. So apply for it. If you don’t apply then they might not upgrade on your own.

      Reply
  39. Sanket

    Question around redemption of HDFC diners black points.

    Can we earn hotel loyalty points when redeeming the HDFC diners club points?

    For example – book a spg hotel via redeeming points on the hdfc portal / concierge and earn starpoints after the stay.

    Thanks

    Reply
  40. Anonymous

    Hi Abhishek,

    On the Smartbuy page it has offers related to Flipkart, Makemytrip, Goibibo, eBay etc. Even when you click those then it takes you to a Smartbuy type page which is cobranded with the above. Does that mean that the transaction qualifies as a Smartbuy transaction which hence earns 10X points on Diners Black?

    Thanks!

    Reply
    1. Abhishek Roy Post author

      No, it won’t be counted. Only flights and hotels

      Reply
  41. Sulabh Gupta

    I availed the 1+1 movie offer for the first time recently and was disappointed to discover that if you avail that offer you can’t pay the final amount with reward points. Either pay full amount with RPs or pay discounted amount with credit card. It’s a hard choice ๐Ÿ™‚

    Reply
  42. Rupesh

    I am using diners black and having more than 1 lakh RPs, can I accumulate or is there any chance of points getting devalued?

    Reply
    1. Siddharth

      Its good to redeem whenever possible. Its not wise to keep accumulating points without redeeming, especially with HDFC.

      Reply
  43. Parag

    Have they removed the TnC of 5 transactions in a month as I can’t verify the same in the detailed TnC.

    Reply
    1. aman

      ya now no more need to do 5 transaction to be eligible for 10x points ..confirmed from customer care

      Reply
  44. Anonymous

    Hi Siddharth,

    I was going through the Rewards Catalogue of HDFC for 2017 – http://mailer.hdfcbank.com/campaign/Asset/hdfcbank_credit-card-rewards-catalogue.pdf?_ga=2.28883838.317268014.1496146907-1181764421.1477304061.

    The Diners Black card can’t really be considered as being 1 Reward Point = 1 Rupee based on what I see in the catalogue. Everything that you want to redeem appears to suggest that 1 Reward Point = Rs. 0.50. For instance, a Dominos Pizza voucher worth Rs. 500 needs 1000 points. And you can see that in other options as well.

    So then what do you redeem for if you want 1 Reward Point = 1 Rupee? And if that can never happen then how can we say that the 10X offer really offers 33% off? Am I missing something?

    Thanks!

    Reply
    1. Abhishek Roy Post author

      The points are not to be redeemed from catalogue. It should strictly only be redeemed against flights/hotel bookings and bill payments for mobile postpaid etc. It should NEVER be redeemed for items from catalogue. Period.

      Reply
      1. Anonymous

        Abhishek, thanks for your reply and clarification. Is it possible to pay partly with points and partly with card when making such flight/hotel bookings? Thanks!

        Reply
        1. Parag

          When you make a booking/recharge you have to redeem points to generate a voucher for xx value. Then you apply this voucher to reduce the total payable amount by xx.

          So you have the option to make part payment by points.

          Reply
  45. VINEET VERMA .

    Hi Abhishek,
    I am using diners rewardz from last 9 months. Do we have option for Add on cards on Rewardz cards ? and does add on cards allow lounge access same as Rewardz and other diners card?

    Regards,
    Vineet

    Reply
  46. pal

    one query…Is monthly limit on 10x rewards is in a calendar month or according to statement month?

    Reply
  47. L_D_M

    Has anyone had any success with a hotel booking on HDFC Smartbuy, which is a 10x partner, using the Diners Black? I’ve tried twice and got failures both times. I think the problem (or part of it) is that Smartbuy for some reason displays a lower price for the same hotel than Cleartrip (which powers Smartbuy), so the confirmation doesn’t go through, since inventory is not actually available at that price point in the system. I might be wrong.

    Reply
    1. Siddharth

      I was able to book a Hyatt on Smartbuy without any issues.

      Reply
      1. L_D_M

        I just tried again, and checked both Cleartrip and Smartbuy side by side. Cleartrip says it has no rooms available at that hotel, while Smartbuy is showing availability (and a very good price). Naturally, the booking won’t go through, since the query ultimately goes to Cleartrip’s booking engine.

        Reply
  48. Tapan

    Hi Siddharth and Abhishek,

    Question regarding the limit of 25,000 points per cycle. Does that apply to only 10X reward points or reward points in general? So if I have already earned 25,000 points from 10X partners then will I still be able to earn the normal (non-10X) reward points or no?

    Thanks,
    Tapan

    Reply
    1. Abhishek Roy Post author

      Yes, you’ll continue to earn normal points. The limit is only on accelerated points (10X). You even continue earning 2X points as well.

      Reply
  49. Parag

    I just noticed on HDFC Diners website, that from 1 July no points will accrue in loading balance in wallets. i.e. not even 1x.

    Does that apply to Amazon Pay too??? Or only wallets like Paytm, MobiKwik, FreeCharge etc.

    Effective 1st July’2017,
    a. EasyEMI and e-wallet loading transactions will not accrue Reward points.
    b. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
    c. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

    Check under Rewards & Redemption

    Reply
    1. Abhishek Roy Post author

      This is difficult to say as they haven’t mentioned what will constitute “e-wallet”. Beisdes, if you pay a merchant using say PayTm, I don’t know how on earth will they distinguish between a loading of e wallet and a genuine transaction where PayTm is just a payment facilitator. If this happens then it will be an end of game for wallets for me as I’ll stop using them if not a necessity. However for Amazon pay I’m quite scepticle as HDFC always sees the same merchant name in a direct transaction on amazon.in or while loading the wallet. My gut feeling says, we will continue to get points in Amazon pay balance loaodng

      Reply
      1. Aman

        Hi Abhi/Sid…Can anyone of you confirm that are 10X points still accruing for amazon pay. I am not sure how HDFC will distinguish between loading wallet and a transaction. But, having said that, they have made a statement on DC site and there must be a way by which they are already differentiating. If anyone can throw some light, it will be a useful information for all.. Regards!

        Reply
  50. Prashant Gupta

    Is the 10x offer on smartbuy for all transactions valid for diners credit card also.

    Reply
  51. Sanjeev

    I have been using Rewardz card since aound 1 year and planning to upgrade to Diners Premium.
    Was curious if there is any minimum requirement for upgrade to premium and also if my points collected till now will be carried over to new card or not.

    Reply
    1. AS

      Can request for upgrade after 6 months since card setup/ last upgrade. All points will be carried forward to upgraded card.

      Reply
  52. Prashant Gupta

    Smartbuy is worst site for flight booking, not organised and there is a fare difference for same flight on cleartrip and smartbuy. There is an intl. flight i want to book which is 5K cheaper on cleartrip although considering 10X points i will save more, but this is cheating by HDFC.

    Reply
      1. Ebin

        In this case SBIb8s better. U can redeem for cash. No hidden ugenda, at least until now…

        Reply
  53. Prashant Gupta

    Smartbuy is the worst site to book international flight tickets. After the transaction is done it shows tickets processing and after some time you will received message failed to book tickets. This also results into your card limit blocked for some days. This has happened twice. Will try again lets see. But its not reliable. Whats the point of offers when one cannot infact use them. Also the prices are slightly higher than cleartrip.

    Reply
  54. Prashant Gupta

    So i have now tried 7 times to book international tickets and every time booking failed. As a result limit of around Rs.2l blocked. Smartbuy customer care executive have no clue why it is happening and just appolozied. It the worst site i have come across which cant be relied on. Whats the point of having marketing 10x offer when your site is not up to the mark.

    Will now have to book tickets from other sites.

    Reply
    1. Alok

      That’s sad:( By the way, Is this a problem with any specific airline, or did you also happen to try different itineraries?

      Reply
  55. Varun

    Terms and Conditions for 10X on Smart buy is updated now on the website. It seems with Diners card one can get 10X points for “Flights, Hotels, Bus, Recharge, Shopping via Flipkart and Bill payments.”

    Can someone confirm if my understanding is correct.

    Reply
    1. Abhishek Roy Post author

      Yes, there have been changes. Updated the post now.

      Reply
  56. Balpreet Singh

    Query:
    1) There is also a compare and shop in smartbuy. From where we can buy from tata cliq / shopclues etc. So will that purchase also give 10X?

    2) Flipkart shoping – Does it mean we click on flipkart icon on smartbuy.. rather than going directly to flipkart?

    Reply
    1. AVIJIT

      Yes ! You have to visit Flipkart via HDFC Smartbuy website in order to earn 10x Reward Points!

      Reply
  57. Prashant Gupta

    I am trying to book on brussels airlines. But smartbuy uses cleartrip as provider. Its the problem with smartbuy and cleartrip not communicating probably.

    Reply
  58. Rush

    This cap of 25k points, is it on the points earned in that statement cycle or points posted in that statement cycle?

    Reason I am confused is, for some partners they are posted in next cycle but in SmartBuy or LifeStyle they are posted in next to next.

    Reply
  59. AVIJIT

    Transacted Rs.10000 on AMAZON.IN through my HDFC Bank DIners Club Rewards Credit Card, just logged in to my Netbanking to check my rewards points, I found that I have received only 200 RPs(as per current reward point balance) instead of 1990 RPs (10x Programme – Approx 199 Reward Points per Rs.1000 spent).
    I am worried, don’t know what should I do? Mr.Siddharth please suggest!

    Reply
    1. Abhishek Roy Post author

      Don’t be worried. You have only got 1X points as of now. You will get the rest 9X points once the statement for the month is generated. Look for those extra points exactly 2 days after the statement generation date. Enjoy!!

      Reply
  60. Garima

    Just saw on diners club website they are devaluing points from 15 of Aug for rewards & premium diner cards. That will be huge loss for some as many of 9x points will get credited in next bill cycle.There is nothing mentioned for black card holders.

    Reply
  61. Jagan

    Hi Sid,

    Why Loylty rewardz charging some amount every month in HDFC Dinners card? So who ever uses dinners will be charged to earn higher reward points?

    Reply
  62. Jagan

    Hi Sid, I got mail saying 20% saving using hdfc credit card thru smart buy? can you explain thanks.

    Reply
    1. Siddharth

      I noticed it as well. Its just another false marketing by HDFC.

      Reply
  63. satish bachina

    One of my friend has been using my diners black card regularly for 2lakh a month. He is paying the bill from his account(NEFT). He has used for more than 20 lakhs till now. Is there a possibility of Income tax related issues?

    Reply
    1. Abhishek Roy Post author

      Well, to be honest, that is a significant number and it may raise a few eyebrows for sure. I hope your friend pays his taxes well and has clean money. Needless to say, expenses can be allowed to a huge extent on your credit cards for family but not for friends. I’ll suggest to discontinue this practice.

      Reply
    2. Siddharth

      If your income is <20L, you can expect an IT notice most likely within 1-2 yrs.

      Reply
  64. Mouli

    Good News : 10X is extended till October 31st 2017

    Our 10x Rewards programme just got bigger with exciting brands. Be it travel, shopping, entertainment or groceries, now you have newer ways to earn 10x Reward Points while you use your HDFC Diners Club Credit Card. Offer valid till 31st October, 2017.

    Partner Brands:Our Affiliated Brands
    Amazon.in
    BigBasket
    Ube
    rBookMyshow
    Swiggy
    Redbus
    Luxehues

    Reply
  65. Prashant Gupta

    So some relief, but Lifestyle is not there which was the only physical store to make purchases. And if one notice the Movie one on one offer has not been extended.

    Reply
  66. Pankaj Singhal

    This is being withdrawn – Free One on One Movie ticket limits introduced: 4 for Black and 2 each for Premium and Rewardz per month.

    Reply
  67. RANJITH

    But the rewards earned through 10X rewards can’t be used for Mobile /DTH prepaid recharges and postpaid bill payments any more as per the new norms

    Reply
  68. Jay

    Few things that majorly dent this scheme are –
    1. The reward point devaluation of almost 33% w.e.f. 15th Aug
    2. Reward Point Redemption on movies/recharges/dth will be discontinued from 15th Aug
    3. Over the last 2-3 months, people who opted SmartBuy 10X scheme for marginal gains over MMT/goibibo etc are a disappointed lot because the reward point will be credited after 90 days… by which time they would have undergone a steep reduction in value.

    It is always advisable to opt for immediate gains/cashbacks instead of accumulating points.

    Reply
  69. Shambhu Sharan Narayan Singh

    Looks like smartbuy is removed from the list now ๐Ÿ™

    Reply
  70. Vinod

    I ‘ve been HDFC Diners Rewards for 3 yrs now and accumulated 54000 points so far. I wanted to redeem these ponits for Eurotrip (Flights) in 2018 but as per the new update from HDFC the points will be values at .30 paise/point instead of .60paise/point, effective from August 15, 2017. And i got this information just 2 days back. I either want to redeem them as cash or redeem them with a travel voucher which i can use in future. I had a call wid CC and they say that the voucher will be valid for 3 months.
    Can you suggest me the best way to redeem them.

    Reply
    1. Abhishek Roy Post author

      One way is you can redeem these points now for Jet Miles. That way you’ll have the miles with you and can use it at a later stage. The second is you have to decide the time frame for the Euro trip and narrow down on the probable date. Get the voucher generated and just book the Flights now only. As of now, you’ll have 54000 points = โ‚น40,500 worth points. Don’t let it go waste. Just generate the voucher. You’ll not be at a loss. Also as far as my knowledge goes, the voucher validity is for 1 month and you will have to pay โ‚น75 plus tax as redemption fee.

      Reply
  71. Manish

    Looks like HDFC has removed smartbuy from the 10X reward option. I dont seem to find it on their website
    This implies that there is no option for any airline transactions going forward.
    They have MakeMyTrip for Regalia but not for Diners Club

    Reply
    1. Abhishek Roy Post author

      Well, Smartbuy is present as a standalone offer. Under this offer,the credit cards of HDFC are entitled for 10X points. So all credit cards including Diners Cards are eligible for the same.

      Reply
  72. Sanemate

    Hi,

    There is an offer going on Smartbuy which gives 10x points on all purchases. Terms say
    1. “Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners”.
    2. “Reward points will be posted to the eligible Cardholders within 3months, For Shopping through Smartbuy ”
    3. “Maximum Reward points that could be earned is 25000 per month on your credit card or Maximum of Rs.250 cashback on your Debit Card”

    I this 25k limit on top of the Diners limit of 25k in a month? I have Diners black. So after 3 months when I get this Smartbuy 25k points (lets assume maximum usage), will I get that on top of 25000 that I already get from Diners (Say I spent 75000 in Amazon on Diners in 2nd month for which points will come in 3rd month)

    Reply
    1. Siddharth

      Yes, you’ll get 25k for diners and 25k for Smartbuy, 50k in total.

      Reply
      1. Prashant Gupta

        For last 2 months i have got the 9x points of smartbuy in next month statement.

        Reply
      2. Sanemate

        Damn! How long has this smartbuy offer been in place? Want to calculate how much I missed!

        Reply
      3. Sanemate

        But then what does this mean “1. โ€œDiners Club Card customers cannot club the 10X benefit with any of the existing programs with the Dinersโ€.

        Doesn’t it mean they shouldn’t be additive?

        Reply
        1. Siddharth

          It was their old rule when Smartbuy was in 10x List. Now its a standalone offer.

          Reply
          1. Abhinav Jain

            Sid, are you sure about the 25k for 10X partners and 25k for SmartBuy being separate? Did you verify this with the bank?

  73. Rohit

    Will the 10x reward points be applicable in case of other parallel offers like cash back which are often run on e-commerce websites?

    Reply
  74. Ash999

    Hi,

    I want to book an international ticket costing 62000 using Diners Black. This is my first time using the 10x feature.

    If I book from smartbuy, do I need to register my card and create an account for the 10x points to be credited?? Can I buy as guest? I have never purchased on smartbuy so asking.

    The terms say this – ‘Link your cards to PayZapp -> Pay with PayZapp at HDFC Bank SmartBuy to get 10X Reward points or 5% cashback.’ (Does this mean that you have to first link to PayZapp and then pay using the Payzapp feather for 10x) Also says ‘Reward points or cashback not applicable on load/send PayZapp transactions’

    IE: how to use smartbuy so RP is properly credited??

    I need to purchase stuff worth 30000 on Amazon also in the next couple of days, will I get RP for that transaction or will the threshold for 25000 RP be HIT due to the earlier 62000 Smartbuy ticket transaction?

    If I do these two major transactions one of Smartbuy for 62k and one on Amazon for 30k say today and tomorrow, how many RP’s will I get in my next to next statement.

    My Calculations

    Smartbuy – 62000 / 150 = 413 * 50 = 20650 RP (Are smartbuy transactions over and above the 25k monthly cap on Diners Black or are they also part of it)

    Amazon 30000 / 150 = 200*50 = 10000 RP

    Will the total RP’s be 30650 or just 25000??

    I will probably end up spending about 15/20k on UBER this month as well so will I be getting 10x RP for that as well or will it be capped at 25000 for Smartbuy Ticket 62k + Amazon 30k + Uber 15k

    Considering only these three sets of transactions for this month, what are the RP’s I am looking at?

    Last query, If I book the tickets via smartbuy today and the Amazon 30k shopping tomorrow and my statement is generated on 15th of Sep 17, I believe the points will be credited in the 15th Oct 17 statement for both these transactions. Correct?

    Reply
    1. sanemate

      Hey did you figure out from customer care or someone if your 20650 here would be over and above the 25000 limit by diners? If yes, then that’s great news, kindly let us know,

      Reply
  75. Ash999

    One more query:

    If you buy Cleartrip vouchers on Amazon.in say for 15000, will you get 100*50 = 5000 RP’s for that as well?

    What are considered ‘eligible’ retail transactions on Amazon

    Terms say so:
    Rewards points will be posted only on eligible retail transactions on Amazon, BigBasket, Uber, BookMyShow, Swiggy, Redbus, Luxehues on both website and mobile app spends

    Reply
  76. satish bachina

    I bought 20 gm gold coin in flipkart thru SmartBUY using by diners club black card.
    I did this transaction as a guest in SmartBuy.
    Is this transaction eligible for 10x rewards?

    Reply
  77. Mohit

    Are the 10x points valid on purchase of Gift cards from Amazon on Diners Black card? Customer care says it’s not? Can someone Pls clarify this.

    Reply
    1. Abhishek Roy Post author

      As far as I know, it is. Don’t worry, do a transaction, I’m sure you’ll get those points. Don’t worry about CC guys, they don’t know anything most of the times.

      Reply
  78. Garima

    One more update now points are credited in multiple of 5.It means if u will do transaction of 150-299rs on diners black than only 5 points will be credited before it use to be 299*5/150

    Reply
  79. Garima

    I am observing this trend in my account summary from last 20 days. I did around 15 transaction and every time they are adding points in multiple of 5.
    If u will tabulate and compare from previous system it is good amount of loss considering black card.

    Reply
  80. Parvinder

    It has never been informed by HDFC that reward points will not accrue on Paytm Transactions (of course, it will not accrue on e-wallet loading transactions), and they unilaterally reversed Reward points on my Paytm transactions. On taking up, Customer Service Officer, HDFC Bank has informed that with effect from July 01, 2017 there is a revision in reward points program.

    Revised Reward points program:
    EasyEMI, e-wallet loading (PayTM, Mobikwik & PayZapp) and transactions (PayTM & Mobikwik ) will not accrue Reward points.

    Whereas information provided on HDFC Diners Club official website states as under :
    Effective 1st July’2017,
    a. EasyEMI and e-wallet loading transactions will not accrue Reward points.
    b. Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
    c. Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

    As such, there is no information regarding non-accruing of reward points on transactions (PayTM & Mobikwik ) . The information with regard to reward points program revision as above has never been communicated to me through E-mail or SMS (as claimed by Customer Service Officer).

    Sir, Whether action of HDFC Bank is justified?

    Reply
  81. Ashwin

    Sid so let me get this straight , So a person can earn nearly 60K points

    25K using smartbuy
    25K – 10x
    10k – International offer

    Can you please confirm this

    Reply
  82. Venkat

    Sid what do you think of the citibank premier miles card. Am holding it for a while. Should I continue or hangs over . Also I received an upgrade offer from Amex to upgrade to their Platinum. But find the fee very steep. Is it still worth it ?

    Reply
  83. Karthik

    Hi Siddharth,

    If I shop Flipkart via Smartbuy with Diners, do I get 10x points just I like Amazon+Diners?

    Reply

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