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 🙂

HDFC Diners Club Premium Credit Card Features:

  • Card Expert Rating: 4/5
  • Reward rate: ~2%  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,  Unlimited access within India. Five Complimentary access to 500+ Lounges Worldwide in a calendar year.
  • Travel insurance: 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!

64 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 🙂
      Its likely to continue at-least till March 2017.

      Reply
    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 🙂

      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
    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 🙂

      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 😀
      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 ‘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 🙂

      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
  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
  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 😉

          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

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