HDFC Diners Club Premium Credit Card Review

By | December 25, 2015
HDFC Diners Club Premium Credit Card

HDFC Diners Club Premium Credit Card

HDFC Diners Club Premium Credit card variant stands equal to the Regalia credit card which is powered by Visa/MasterCard. Both comes with 2% savings on all spends. However, Diners cards has better privileges when it comes to travel benefits. Compared between Diners cards, it holds the position above Diners Rewardz which we reviewed recently and below Diners Club Black which is the flagship top end variant offered by Diners Club International in India in association wit HDFC Bank.

HDFC Diners Club Premium Credit Card Reward points:

Apart from the advantages of concierge services mentioned in our previous article in HDFC Diners Club Rewardz, the reward earning rate on Diners club Premium credit card is pretty decent and equivalent to Regalia credit card.

  • 4 Reward Points for every Rs. 150 on Retail spends
  • 8 Reward Points for every Rs. 150 on retails spends on hdfcbankdinersclub[dot]com
  • 1 Reward Point = Rs. 0.75 | 1 Reward Point = 1 Air Mile

Redeem reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International). You can also Redeem Reward Points for AirMiles against Jet Airways (JPMiles) or AirIndia Miles.

New Feature added: Now you can also pay Postpaid/Broadband bills using your reward points.

hdfc_diners_premium_credit_card

HDFC Diners Club Premium Credit Card (My Dad’s)

Golf Program with Diners Club Premium Credit Card:

  • Get access to UNLIMITED COMPLIMENTARY GOLF LESSONS at select Golf Courses in India
  • Each golf lesson will span a minimum of 30 minutes and will include :
    • Green Fees to access the golf course or driving range, for the lesson
    • Cost of instructor’s fees
    • Range golf balls at 50 golf balls per lesson
  • Get 24-hour access to Golf Concierge Assistance services,

I should say, Golf Program is a major feature that makes this card special when compared with Visa/MC based Regalia. Complementary Golf lessons is kind of luxury stuff which some people are attracted. For them the card is the best ever choice πŸ™‚

HDFC Diners Club Premium Credit Card Features:

  • Card Expert Rating: 4.5/5
  • Reward rate: ~2%Β  normally, upto ~20% on accelerated rewards
  • Reward Points: Welcome gift of 2500 reward points & regular earning of RP as above.
  • Redemption of Reward Points: Earned Reward points can be redeemed for air miles against Jet Airways or Air India miles or for booking hotels or air tickets across 150+ domestic or international airports/hotels.
  • Fuel Surcharge Waiver: Surcharge is waived off completely if fuel purchases are made between Rs 400-5000 across all fuel stations.
  • Protection: Air Insurance cover of Rs 1 Crore in case of death in air accident to the next nominee. Overseas emergency hospitalization cover of Rs. 25 lakhs
  • Renewal Fee Waiver: The annual fees of the card is Rs 1000 which can be waived off if you spend Rs 40,000 within first 90 days of receipt of the card and then later every year if you spend Rs 3 lakhs, the fees will be waived off.
  • Complementary Airport lounge access: Yes,Β  Unlimited access within India (also to Add-on Card Holders). Five Complimentary access to 500+ Lounges Worldwide in a calendar year.
  • Travel insurance:Β Rs. 50,000/- on baggage delay / loss
  • Foreign Exchange Markup fee: 2% + Service Tax

The card is overall best suited for you if you are a frequent traveller. The features are designed so as to give customers a special treatment. This is the one of such credit cards which has the ability to provide unlimited lounge access in India. Not to mention, Diners club often run 10X rewards promotion with selective brands which might be a major reason for you to own this card apart from its usual travel benefits.

Planning to get this card? Drop your comments below!

142 thoughts on “HDFC Diners Club Premium Credit Card Review

  1. Sayan

    Hey the 10X reward points is from just MAy -June 2016. I am not sure if that is correct, any idea?

    Reply
    1. Siddharth Post author

      Sayan,
      That’s what their website says and they keep on extending this offer every month πŸ™‚
      Its likely to continue at-least till March 2017.

      Reply
      1. Ravish Mehta

        Whether add on card holders are eligible for lounge access??

        Reply
          1. Vivek Sinha

            I enquired about this and they said add-on card are not eligible for lounge and golf facilities.

    2. Ekta

      I don’t see the 10X rewardz point on their portal. May I know where did you check?

      Reply
      1. Siddharth Post author

        Ekta,
        Check out their “privileges” section in hdfc diners club site.

        Reply
  2. Prashant Agrawal

    I have an AllMiles card. I am wondering what I’ll lose out on if I switch to this (other than acceptance at merchants which I have backup cards for).

    Reply
    1. Siddharth Post author

      You’ll gain a lot, nothing to loose πŸ™‚

      Reply
  3. ANKIT SHAH

    i had applied for a credit card of hdfc.. but m confused betwen diners premium and all miles card. the hdfc guy told me to go for all miles. but i dont make any international travel. all ined a credit card is for online shopping, dining at metro outlets be it a restaurant or a bar, retail electronic shopping and few domestic travels and a lot of movies..

    i have heard about the low acceptability of diners.

    can u guide me for a choice betwen these two ???

    Reply
    1. Siddharth Post author

      Diners premium good for shopping as mentioned in many other places. You still need some backup card due to acceptance issue.

      Reply
      1. sushanth

        IS this not widely accepted? is this not a regular visa/mastercard credit card ?

        Reply
    2. Sandeep s

      Acceptance of this card is very very low. I have till now tried in around 14 outlets. But not accepted. Accepted only when I do online shopping or airport lounges. So never ever go fort this card.

      Reply
  4. Aurvind Garg

    Dear Siddharth,

    Could you please advice which is better option HDFC Regalia or HDFC Diners Premium?

    Reply
    1. Siddharth Post author

      Diners premium is best for 10X rewards.

      Reply
      1. Sathesh

        I have applied for a HDFC Credit card Online. They offered HDFC Diners club rewardz…Is this the best one. Or Shal I ask for another. Please suggest.

        Reply
  5. Aurvind Garg

    Additionally if features of both cards almost same as stated above that why Diners are rated as 8/10 and Regalia as 9.5/10 . Some of the additional features of diners is Golf course training , also u get movie tickets in schemes, unlimited lounge access in India etc???

    Reply
    1. Siddharth Post author

      In overall, Regalia has international lounge access and better acceptance due to which Regalia gets more credit.
      But considering the 10X rewards(temporary), Diners premium stands higher for time being. Hope it helps πŸ™‚

      Reply
  6. Vish

    one questions
    Do we need to spend minimum 150 Rs in a single transaction to get any reward points
    what happens in case the amount is less the transaction amount is say 21 Rs. Will I get 0.5 reward point or 1 reward or no point at all

    also in case transaction amount is say Rs 61. will i get 1.5 point, 1 point or 2 points.

    Reply
    1. Siddharth Post author

      Doesn’t make any big gain 0r loss hence haven’t checked πŸ˜€
      But have heard from some reader say that they give say 1 point when its 1.5

      Reply
  7. Abhay

    Hi Siddharth

    I just got my Diner club premium card. Currently i am using Premiermiles but will discontinue it soon as I do not want to pay annual fees. Which other visa card is the best that wont be having the annual fees and can be used where diners club doesnt work,

    Reply
  8. vish

    Hi,

    is there any way to pay lic premium using diners credit card. if yes Do we get rewards points for the amount and how we can pay it?

    Reply
  9. Mayank

    Hey There
    Just wanted to know which card is better
    HDFC Diners Club Premium or HDFC Regalia

    Reply
  10. Jatan

    Hi,
    I just received a regalia card but i felt dinners premium n black has more benefits then regalia. you can take air travel insurence higher in dinners,medical insurance at overseas higher in dinners and also baggage lost or delayed is being paid in dinners.reward points are also extra in dinners card.
    should i return regalia?

    Reply
    1. Siddharth Post author

      Try for Black after couple of months as they wont switch cards in short time.

      Reply
  11. Hitesh choudhary

    Hi sid,

    I am holding premium diner card and have applied for regalia just to get the taj membership to avail free nights vouchers. Is it a good idea to upgrade. Can’t we hold 2 cards from same bank. Also I have some points in premium but I am not able to get any information from bank that how many points will be transferred to regalia.

    Reply
    1. Hitesh choudhary

      What is the ratio in which they transfer the points even they are of same category and have same conversion rate I.e 1 point is 0.75 Re.

      Thanks

      Reply
      1. Siddharth Post author

        Technically you should get 100% on this conversion as both are in same tier.

        Reply
    2. Siddharth Post author

      Hitesh,
      2 cards on given at times and it highly depends on your credit limit & portfolio with the bank.

      Reply
  12. vaibhav

    Diners Cads 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 β€˜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
  13. Sayantan

    Dear Siddharth,

    Does this card offer unlimited access to domestic airport lounges for just the card holder or his family members as well? If yes, then how many, and if no then whats the way around? Do I need an add-on card in that case?

    Reply
    1. Siddharth Post author

      Lounge access Only for primary card holder and not to add-on cards.
      You might need Regalia/Diners black for your requirement.

      Reply
  14. Sayan

    Do we receive points on jewelry purchases? HDFC has not credited me points for the same. Do i take it up with the bank?

    Reply
  15. prakash

    I tried changing from regalia to diners premium. I sent my income slip to them but they said I am not eligible as per documents i have sent but they didn’t bother to specify even after asking a lot of times . They only said i am not eligible for any diners card as of now. I am unsure how I was sent regalia 2 months back with similar income slip(net after deductions around 70k). Should i try sending upgrade form again without any attachment of income slip as both cards are almost at par?

    Reply
    1. Siddharth Post author

      Its now considered as a superior card than Regalia. What’s the existing credit limit? is regalia more than 6 months old?

      Reply
        1. Siddharth Post author

          2 months is too short for change of card. Try to change after 4-6 months so that you’ll also get higher limit with Diners premium.

          Reply
          1. prakash

            My regalia with 2lakhs limit is 4 months old now and my upgrade request to diners premium was cancelled on the basis that diners premium is downgrade to regalia as per their internal terms and conditions. Should i ask for diners black or should i close this present regalia and reapply for fresh premium? What will be the best option?

          2. Siddharth Post author

            If you’re eligible for Diners Black, yes! why not?!

  16. Biby

    Hi Siddharth,

    I’m holding an Allmiles card now. I have asked my RM for an additional Diners Premium card. RM told that now back stopped giving 2 cards. When I insisted she told that she will try to get approval from CC department. Later on I got a call from CC department telling they can issue me Diners premium. After that when I talked to my RM she told that she could upgrade my Allmiles to Regalia. Now I’m confused. Should I first take Diners & later Regalia. Or go for both simultaneously? I would like to have both. But is there any risk in upgrading & applying new card simultaneously? Please advise

    Reply
    1. Siddharth Post author

      It depends on what benefits you need from your card. Dual card is possible when you have high limits.

      Reply
      1. Biby

        I mean, should i do 1 by 1 or both (upgrade & new application) together? What you suggest?

        Reply
  17. Rohit M

    Any idea if other HDFC Bank promotions like 5x promos listed on their smart buy website such as shopping at dmart/easyday etc will also be applicable on diners?

    Reply
  18. Abhay

    Hi Sid

    Do we need to use the code for makemytrip purchase or will ir automatically be 10x?

    Reply
    1. Siddharth Post author

      I’m still yet to check that. I’ve made some transactions last month and i’ll have an answer on this within next 30 days πŸ™‚

      Reply
  19. Sharath Chandra

    hi Siddharth,

    one of my friends told me that even though his card is hdfc diners club rewards card, he was charged for the lounge. it was a domestic lounge and it was in the list of lounges. he said that in the application form, there is some tick box which asks if you would like to have the lounge access. is this true. please enlighten.

    Reply
  20. Aniket

    Hi Sid,

    I have one premium Diners card and would be going to Mauritius with a lay over in Maldives. This is my first foreign trip and very unsure on how to access the lounge, the fees, is the food and stuff free at the lounge and many more such stuff..If you can write a blog for a tyro…that would help…Also, i would be taking my wife along but she do not own any card..Can i take a add on card and use the facilities of the lounge? Please help. Many thanks in advance.

    Reply
    1. Siddharth Post author

      You can access food & lounge space with a swipe. Its only available for primary card holder in this variant.

      Reply
      1. Aashish

        Hi Sid,

        Have you been declined lounge access on add on card for dinners premium ? Do they check the name on the card with the flight ticket ? If i use my add on card and if it is not eligible for free visit will they tell/warn me about this or will they charge the fees directly without warning if it’s not free.

        Thanks for such an awesome blog πŸ™‚

        Reply
      2. sushanth

        If I upgrade from Regalia to Dinner’s premium, will the rewards points in Regalia will be transferred to Dinners premium card. I have around 10K points in regalia.

        Reply
  21. Rajat

    I am a little confused. I have an add-on card for my wife. For the lounge access, I contacted the customer care who said it is not available for add-on card. But my phone-banker said starting this month, they have extended the benefits to add-on card as well. I don’t know whether to believe my banker and risk getting charged for 4-5 lounges during our entire trip.

    Reply
    1. Aashish

      HI Rajat ,

      Whats the update ? Is lounge access free on add on card too ?

      Reply
  22. Ashu

    Hi Siddharth,
    I am having HDFC Diners premium card and accumulated 40k points. Now how I can convert them to air miles. Can you please explain in detail? I heard there is two programs from Jet airways and Air India.

    Reply
    1. Siddharth Post author

      You can instead book flight tickets directly from the portal. That’s the best way.

      Reply
  23. prakash

    Since I might not be eligible for black, how about closing regalia first and then fresh application for diners premium? Will it work or will they won’t issue card anymore?

    Reply
      1. prakash

        There lies the problem. They have refused premium saying its a downgrade from regalia(2lkhs limit) and i am not eligible for black. Any other options do i have ?

        Reply
        1. Siddharth Post author

          Drop an email to talktous [at] hdfcbank [dot] com
          This could be done with a bit of push πŸ˜‰

          Reply
  24. Santhosh

    Hi Sid,

    Thanks a lot for the very informative blog.

    1. Could you please suggest me on the better card between Regalia First vs Diners Premium.
    2. Could you also please let me know if we can transfer our AirMiles of Diners card to airlines?
    3. Do you have any URL or any evidence(which you share so that i ask the same to HDFC) of 1000 RP when we spend 1000 Rs , 5 times in a month?

    I currently have Diners Rewardz. And looking for an upgrade.

    Thanks,
    Santhosh

    Reply
  25. Bharathy

    Hi, i have HDFC visa all miles card and am a preferred customer with HDFC bank.
    I have requested my relationship manager to upgrade my credit card to Diners club Black.
    but he instead informed me to go with Diners club premium saying diners club requires INR 1.5 lac/ month salary credit. i am falling short by 30K.
    is there a way to get Diners Black??

    Thanks in advance.

    Reply
    1. Siddharth Post author

      That’s bit tough to upgrade from Allmiles.Though it depends on your Credit Limit and your overall relationship value with the bank.

      Reply
      1. Bharathy

        Thank You. They are offering Diners club Premium at the moment FOC along with an Add on card.
        may be i hope there is a possibility for future upgrade.

        Thanks a lot.

        Regards,

        Bharathy

        Reply
        1. Aashish

          By adding Add on card through net banking portal or calling customer care , does it become LTF ?

          Reply
  26. Amex Guy

    I think people often overlook the single biggest benefit of Diners Club — currency conversion markup pegged at 2%. Even Citi and Amex can’t compete with that. The interest rate, too, is 1.99% pm.

    No other card can beat that because no other card is so less accepted and therefore is so safeguarded against fraud, by design.

    Reply
  27. Mani

    Hi Sid,
    I have Citibank Rewards Card for the past 5 years with 3.5 lakh limit. I am trying to get the HDFC Regila card. I applied online and got eligible for HDFC Regila or HDFC Diners Premium (both life time free). But the guy who spoke with me over the phone and came to collect the documents told that only HDFC Regila First is possible. I was speaking wit him to understand the reasons for the same. (as the online portal clearly was showing I am eligible for both). His argument was first time customers are given only Regila First and will have to upgrade at a later point in time.

    After few minutes of talking, He was fine with issuing HDFC Diners Premium(Life time free). I have settled with this Diners premium card as of now.

    Questions
    1) When you are given a free Life time card , and may be after few years, if you want an upgrade to Diners Black Or Regila, Will the new card still remain as Life Time Free?
    2) Can we pay postpaid/recharge/DTH/movies using the points on Diners card ? (1 RP= INR0.75)
    3) Is devaluation on for Diners premium as well? (like Regila)

    Reply
      1. Mani

        Thanks Sid for all the reviews done in your blog. Finally my Diners Premium card arrived. Will press the pedal on 10X rewards from now on.
        1) Can i go to an HDFC bank ATM and set up the PIN ? Or should i wait for any PIN from customer care before heading out to an ATM ?
        2) Do you think the 10x rewards be extended after March 2017?
        3) Movie ticket booking using points or Prepaid recharges using points will incur Rs 75 charges ?

        Thanks again!

        Reply
  28. Deepak Agrawal

    I think you can add one more comparison parameter in Diners club card variant (all) that is in regards to foreign currency transaction. I am sharing with my experience on Diners Premium card and long discussion with Prinicipal Nodel Officer desk at HDFC Bank.

    Though HDFC Diners Club cards have only 2% of FCY Conversion fee, the exchange rate on Diners club card is approx 1.5% higher than Mastercard/VISA. e.g. If you are spending US$ 100.00, you may have to pay different exchange rates based on card type (VISA/Mastercard/Diners/Amex). Visa may charge you 68 Rs/$, Mastercard @ 67.89 Rs./$ and Diners club will 69.4 Rs./$ (approximate close number to explain). Most of the time, Mastercard variant has lowest exchange rate so you get benefitted. Diners club is the most expensive for FCY transactions. Effectively you will be paying 3.5% FCY fee while using Diners card so beware of this hidden component. Discover/Diners club is not transparent at all in exchange rate. You can see Visa and Mastercard rates on website while Discover keeps the exchange rate hidden.

    Hope this will hit one negative in Diners club card. However there are other benefits that may absolve this shock.

    Reply
    1. Siddharth Post author

      That’s a great in-depth info on cross currency transactions. I’ve never tested this but will do it across multiple networks and post the results soon πŸ™‚

      Reply
  29. Govind

    Hdfc regalia or diners premium plz suggest as the hdfc person says both can be approved for u…ge also said u can have a dual card also….n is there any benefit paying insurance premium

    Reply
    1. Gagan

      If you can both, pls go for it. Though that doesn’t seem to be the offer now.

      Diners good for 10X offer which runs now and then. Regalia is evergreen. Also Diners penetration is low as of now.

      Reply
  30. Biby

    Hi Sid,
    Finally I also got hands on Diners Premium. Since I’m having Regalia my RM told it’s not possible to give 2nd card (even though they have agreed in the past, they told that policies changed recently). So what I did was I applied for Diners Premium for my wife plus add on card for me. I was expecting a very small limit as her monthly take home was less than 20k. But to my surprise it came with a credit limit of 2.5L. I didn’t understand how they calculated this limt. Now i have to make use of 10x offers before they expires ?

    Reply
  31. Nitin Khanna

    First of all I would like to thank you Siddharth for creating such a helpful forum and answering all our queries promptly. Just wanted to know, if there is a limit to earning the reward points for a month? I am expecting this month’s expenses on my Diners premium card very close to my limit of 1.8L…hope they dont put an upper limit to the reward points

    Reply
  32. Biby

    Hi Siddarth,
    For MakeMyTrip we have to use the coupon code hdfc5x or we can use some other coupons & still get the 10x points?

    Reply
  33. hari

    Hi Siddarth,

    HDFC is giving option for Regalia First & Diners club premium with lifetim free offer if I register one bill in autopay.

    can you suggest which one is better of the two

    Reply
  34. hari

    Siddarth,

    Received my Diners Premium (Floater card) today as LTF. Tried for the Black card (by writing an email to HDFC ), but was told they are not issuing floater cards anymore. So, got Diners premium approved through my RM.

    Reply
  35. Ameya

    Hi Siddharth,

    Big fan of your analyses.
    After doing some research on my own as well, I found the Diners Premium to be perfect for me as my main agenda was online shopping and INTERNATIONAL LOUNGE access.
    I applied, got the application approved and then the wait began!
    However, I received the Diners Rewardz (downgraded version)!!!!
    HDFC bank is dumb enough to do this mistake and I want a good alternative to this awesome card now, thanks to the sour experience with HDFC.
    Do suggest whether Diners is available with any other bank.

    Reply
    1. Siddharth Post author

      Thanks for your kind words.
      Its due to the eligibility criteria that they don’t issue Premium that easily.
      You can simply upgrade after 6 months of usage.
      Sadly, Diners is currently associated with HDFC only for time being. Maybe with other banks in coming years.

      Reply
  36. Kaushik

    Hi Siddharth,

    I recently got an offer on my net banking portal for a life time free diners premium.
    The offer said that in case i opt for smart pay i would get the card as a life time free card.

    I received the card about 5 days back and i had registered for smart pay the same day itself. However the bank still hasn’t made my card LTF.

    I registered a complaint via email for the same but got a reply saying that in order to get a LTF card i need to register for smart pay, which i have already done and also registered a biller there.

    Now shall i wait for the bank to make it life time free and then start using the card ? Would that make any difference ? Are there any possibilities for the bank to not acknowledge the promise been made to me ?

    Reply
    1. Siddharth Post author

      Just wait for 1 charge on smartpay biller and then check the status, it makes sense.

      Reply
      1. kaushik

        Shall i then start using the card ?

        Also, they have given me a current limit of INR 1,50,000 which i feel is really less.
        So i was thinking of routing all my current expenses through this card and then apply for a limit enhancement after 6 months or so. Though i do not want to max out my card which might not be positive for my CIBIL. So just wanted to ask, what might be the appropriate range of expenses that i should look at in order to apply for a limit enhancement later.

        Reply
    2. Aashish

      How did you checked if it is LTF ? nd whts the status now . Did they make it LTF ? Do you get any acknowledgement once it is made LTF ?

      Reply
  37. Aashish

    HI ,
    Ia there any validation amount taken by diners like mastercard (Rs 25) for authorization of lounge visit ? How will I know that I am not being charged extra and I have still my limits of accessing intentional lounges left . Will the lounge staff will tell me that my free limits has been exhausted or If they have been exhausted they would directly charge me without consulting/warning me if I still want to use it ?

    Reply
    1. Siddharth Post author

      Rs.2 with Diners. Usually they say if limits exceeded on MC/Visa. Not sure about Diners.

      Reply
  38. Nitin Khanna

    Hi Sidharth,
    Any update to the changes in reward points structure? 31st march is over…just saw the 10X reward points offer is extended till 30th April…

    Reply
  39. Vijaykumar

    Hi Siddharth,
    How is the Reward Redemption fee of Rs.75 is charged? Is it charged
    1) For every generation of voucher on hdfcdinersclub website?
    2) For every recharge/bill pay/ticket booking using the voucher already generated?
    3) For every both of the above transaction?

    Reply
  40. Vinayak

    Hi siddharth
    Can u tell me what is the eligibility for upgrading from diners rewards to diners premium?
    Annual salary ?
    Previous Credit limit.?

    Reply
    1. Mahesh

      Salary Depends on the company. In my company, HDFC has corporate offers. Here for salary 60K PM after all deductions, they are issuing diners Premium/ Regalia First Life time free πŸ™‚

      Reply
  41. Nitin Khanna

    Siddhart, can you confirm if the Diners 10X reward points offer also applies to the SmartPay transactions done? I read it on their Dinersclub site, but found no information on clicking on that hyperlink

    Reply
    1. Siddharth Post author

      Sadly not. We’ve to wait for an update on that, or maybe from other users who did Smartpay Txn. Hit or miss!

      Reply
  42. Dharmesh

    I am using HDFC moneyback credit card since Sept-16 with around 0.8lc limit. I can not see anytime credit card upgrade or limit enhancement option in my netbanking. I want to upgrade to Diners premium. Sad..
    Suddenly from today, I can see one banner in my netbanking account regarding an LTF card by opting to Smartpay. My concern is that Can I apply from there, as I already have a card with them? What are my chances?

    Reply
    1. Siddharth Post author

      Approach branch for the upgrade+LE. You may get it if spends are good + decent ITR

      Reply
  43. Nandkishor K

    Whats the income criteria for applying for LTF diners club premium credit card?? and whats for diners rewardz??

    Reply
    1. Nishant Wadhwa

      Apply for smartpay or use 3lkh/yr fr premium and fr rewards 1 lkh/yr

      Reply
  44. Shashi Gupta

    Hello Siddharth ,

    First i would like to thanks for yorr articles that really helps to unnderstand various credit card features
    I am already having diners premium from last 1 yr and 3 months and also using it for max of my expenditures.
    Now i tried to upgrade to Diners black but customer care said that you are not elgible for it as salary requriement is 1.7 L per month for it.
    But they offered me regalia with good credit limit ( i can keep both cards)
    Now i am confused should i go for regalia while i am having diners premium.
    Because it seems that diners premium is more rewarding in terms of points system.
    Only benefit i am seeing that Priority pass can allow family members for lounge access.
    Please suggest
    Thanks

    Reply
    1. Siddharth Post author

      Having both really helps, as long as you spend more.

      Reply
  45. Sesh

    Hey Sid,
    A very basic question on reward points accrual: for Diner’s Black, do you have to spend a minimum of Rs.150 to earn the reward points, or will they be pro-rated based on the amount of spend? For instance, will some points accrue on a spend of Rs.100 on an uber ride!

    Thank you

    Reply
  46. Nitin Khanna

    Hi Siddharth,
    Just wanted to know, does HDFC inform before devaluation of cards beforehand? The issue is I have good accumulation of points currently, but fear if they will continue with the same conversion rate post 30 Apr. If not, I stand to lose some money, else should I generate voucher to be on the safe side.

    Reply
    1. Siddharth Post author

      They don’t inform, but Cardexpert does πŸ˜‰
      They give sometime for redemption usually, like a month or two.

      Reply
  47. Charls

    Hi Siddharth,

    Really appreciate you for such a wonderful blog and prompt response to all of our queries. I do have few questions on same topic. I am holding a regalia first card and was looking to get a diners black. But I was told that I am not eligible for diners black, but I think I can get it through my RM. But what is concerning me is that, it comes with an annual fee of 5000. Only first year fee can be weaved off by registering a bill smart pay. Do you think we can it LTF by any chance?

    They have offered me diners premium LTF as a second card in addition to the Regalia first that I have today. Will that be a good idea to have both cards or should I cancel my regalia and go for diners premium? Does it affect my CIBIL score to hold two cards at a time?

    Finally, more of usage is on IRCTC, other bus transports, online shopping, groceries etc. Do you any other better card than this for my usage?

    Thanks in advance.

    Reply
    1. Siddharth Post author

      Spend based waiver is there.
      You can have both.

      Reply
  48. Gautam

    How long will it take to get an upgrade from Diners Premium to Diners Balck if my monthly spending is 50K-75K on diners premium?

    Reply
    1. Siddharth Post author

      Lots of factors are there. Check Diners Black thread.

      Reply
  49. Nishant Wadhwa

    How to upgrade from diners premium ( cl-10lk) to diners black thy are not offering me told me to open a saving account with thm ,my itr is 88lack n paying tax of 10lkh

    Reply
    1. Siddharth Post author

      Fill and Send upgrade form to chennai. It should be processed.

      Reply
  50. kamal grover

    Sorry for being the harbinger of bad news guys.
    HDFC/DIner’s Club has made changes to the 10x partners and have also changed the accrual limits for the RP.
    tl;dr.
    Flipkart, Makemytrip, Goibibo, Myntra [OUT]
    Amazon, SmartBuy, Swiggy [IN]
    Max points that can be accumulated :
    Rewardz : 2000 , Premium : 5000, Black : 25000 .

    Reply
    1. kamal grover

      I have 25k points in my account.
      I found that they can be converted into miles from Airlines .
      And from the looks of it is cheaper to book intl. flights (not domestic) with miles than using the hdfcbankdinersclub portal.
      Can anyone validate my hypothesis ? Has anyone tried to convert the points to airmiles ? If yes, then what is the procedure and how much time does it take?

      Reply
      1. kamal grover

        is there any better way i can get better value out of my points ?

        Reply
  51. mahesh

    πŸ™ Looks like they have changed the privileges for Diner cards. Every thing is reduced by half and only 2 free movies pre month.

    Flipkart makes way for Amazon.
    And max points also changed. A little disappointed.

    Important Terms & Conditions

    1. Maximum reward points earned per statement cycle under this program as below:
    HDFC Bank Diners Rewardz Card – 2000 pointsHDFC Bank Diners Premium Card – 5,000 pointsHDFC Bank Diners Black Card – 25,000 points

    πŸ™

    Reply
  52. Suresh

    Hi ,

    I am planning to upgrade my card from Regalia first to Diners Premium.
    And I have around 9000 reward points in my Regalia first and when upgraded/downgraded to Diners Premium , what will be conversion rate?
    Do I get the same worth of points i.e 9000*0.4=3600 Rs which is around 4770 points in Diners Premium with conversion rate 0.53?

    Reply
  53. Suresh

    I am planning to convert Regalia First to Diners Premium credit card.
    I have 9000 reward points in Regalia and If I convert to Diners Premium ,do I get the same worth of points ?
    What will be the conversion rate?

    Reply
  54. PM

    Hello,
    My application for Diners Premium LTF card has been rejected. I meet salary criteria and cibil score is around 830. HDFC is not given any specific reason. Status shows
    The status of the credit card is showing as β€œDISAPPROVED” with remarks as follows:-
    DISAPPROVAL OF THE CREDIT CARD APPLICATION DOES NOT REFLECT IN ANYWAY ON YOUR CREDIT STANDING OR YOUR FINANCIAL STABILITY.
    I do hold AMEX and SBI credit card.
    What could be the reason? What should be my next step?

    Reply
  55. m s murty

    follwing your blog and i am fan of this blog..

    i am holding hdfc diners club premium LTF CARD since may i st 2017.
    yesterday when contacted the help line, they reconfirmed that, the lounge access abroad available for 5 times each for both primary and addon card holders during the year, if go together. other wise 8 times a year to the primary card holder. it is not so in the hdfcdinersclub, where it is clearly mentioned that only primary card holder for 5 times, not available for addon card holder at all.

    what is correct position.

    ms murty

    Reply
    1. Siddharth Post author

      Primary + Add on = 5 international visits / Unlimited Domestic visits.

      Reply
  56. vaibhav

    Hi
    I bought goods worth 824 rs from Amazon but just got 22 points credited. I did not get 10x although i got hdfc diners premium card ?

    Reply
  57. Prashant Gupta

    U will get in next statement. Please read the t&c on diners website.

    Reply
  58. Manoj More

    Which card is better ie Axis Burgundy Credit card or HDFC Diners Club black.

    Reply
    1. Siddharth Post author

      I hope there is no “Axis Burgundy Credit card”

      Reply
  59. Rohit M

    Had a very bad experience while redeeming a flight via diners website. The ticket they provided for a Ryanair flight in Europe was insufficient to board. Also with the premium card their helpline number does not seem to work 24×7 anymore, which meant I could get in touch to solve the issue in time. In the end I had to shell out 50 pounds at the airport to manually check in. Am seriously considering to get rid of the card.

    Reply
    1. Alok

      What seemed to be the issue with that ticket?
      Did they explain anything afterwards?

      Reply

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