HDFC Diners Club 10X Program (April 2018 Update)

By | April 3, 2018

The 10X program from HDFC Diners Club has been one of the most rewarding programs in the credit card industry in India (even safe to say – in the world). After, passing the previous deadline of 31st March, 2018, the program has been updated with a few changes and extensions of the end date.

Hdfc Diners Club 10x Rewards

HDFC Diners Club 10X Reward Points Offer

There are 3 wings of the 10X program from HDFC Diners. We will look at the updates in all these three wings one by one.

#1 Direct Partner Websites

  • The current program has been extended till 30th April, 2018.
  • We expect this to be further extended. For now HDFC might be sorting out the partners and once confirmed, we might see this being extended all the way upto 30th September, 2018.
  • A few of the previous partners have been removed such as Caratlane and Luxhues. Apart from this no other partners were removed.
  • The current list of 10X partners are:
    • Domino’s (Online + Offline Partner)
    • Tata CLiQ
    • Lifestyle (Offline Partner)
    • BigBasket
    • Uber
    • BookMyShow
    • Swiggy
    • Redbus (No more App-Only Requirement)

HDFC Diners 10X Partners

#2 SmartBuy Transactions

  • The 10X Program through SmartBuy has been extended till 30th September, 2018.
  • UPDATE: Reward Points will also be credited for EMI transactions made on or/and after 1st April, 2018.
  • The program consists of transactions done on SmartBuy page and ones that are done on 3rd party Sites like Flipkart/Amazon.
  • This program w.r.t 3rd party Transactions like Flipkart has been one of the most elusive programs as the points are not credited consistently. We have read a lot of bad experiences from our readers. So, I’ll like to give a few tips to all readers to maximise their chances of getting the points without any extra efforts.
    1. Before you make the transaction, disable all ad-blockers or tracking blockers on your web browsers.
    2. Never open the SmartBuy page directly. Always open it via the official HDFC Bank Page. The official HDFC Bank Page has a link to the SmartBuy page (Compare and Fly/Compare and Buy etc..) Use this link to go to SmartBuy page.
    3. Always add the product to cart only after being redirected from SmartBuy. Many users have a tendency to add the product to the cart beforehand and then they come to Flipkart from SmartBuy and complete the transaction. Please don’t do this. Always add the product after you land up on the Flipkart page coming from SmartBuy.
    4. Last but not the least, always keep a screenshot of the order completion page. This page is unique and it has both the Flipkart and SmartBuy logos and this page cannot be replicated hence this pretty much confirms that you have done the transaction on Flipkart via SmartBuy. Regarding merchants like amazon which do not have any such logos, you can make a small video for high value transactions.
  • Understand that these are my personal tips after being an online shopper for 8-9 years now. Even though this does not guarantee 100% credit of points, but you will witness better chances of getting the points credited.
  • I have used these techniques myself on the last two occasions after the big point chasing fiasco in September and on both the occasions, my 9X points were credited as soon as the same month ended, often in as less as 12 days (even though they claim it might take up to 90 days – Its dynamic and changing often).

SmartBuy 10X Program

#3 International Transactions

  • This program has been extended till 30th June, 2018.
  • This consists of both online and offline transactions in foreign currency. This program coupled with the Global Value Program, is the most rewarding international transactions rewarding program.

Bottomline:

Its undoubtedly a wonderful offer and we Indians are lucky to avail such promos. Coming to the savings part, as you may already know, this is the reward rate you get by availing 10X promo.

The most important part is, the upper cap applies separately to each of the above offer, hence, you can save a lot by availing all 1+2+3 promos every month. The offer is certainly a blessing, especially for travellers who can get max. value out of it.

What is your experience with HDFC Diners Club 10X Programs? Have you faced any difficulties or have any tip to share? Let us know in the comments section below.

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.

299 thoughts on “HDFC Diners Club 10X Program (April 2018 Update)

      1. Manav Narang

        A question. The 10X points cap of 25,000 points is only for shopping via smartbuy or does that include partner brands like uber, swiggy and tata cliq as well. For example, If I buy a laptop worth 1lakh on tatacliq.com, and a laptop worth 75,000 on Flipkart via smartbuy, I’ll get the capped 25K overall?? or 25K from the Flipkart purchase PLUS 33K from the Tata Cliq purchase? Thanks

        Reply
        1. Abhishek Roy Post author

          You’ll get both. Both are mutually exclusive

          Reply
  1. Prasenjit

    Good info Abhishek… Thanks for sharing.
    One question (to anybody who can help), how do we track which transaction you successfully got 10X credit and which transaction you didn’t? Is there a way to get this other than calling them and asking every time?

    Reply
    1. Anshul

      Hi,
      Do they tell about a particular transaction that it qualifies for 10X?
      I had asked them about a statement telling points corresponding to each transaction but I guess only Amex provides that.
      Thanks.

      Reply
      1. Abhishek Roy Post author

        No they don’t tell. refer to the terms and conditions. If your purchase is not something that goes against their terms and conditions, then you can be pretty sure, you will get the points.

        Reply
        1. Farhan fazal

          I was unable to use my diners card for international transactions as the websites did not accept diners card. Ended up using sbi visa. Klook and Groupon in dubai both don’t accept diners. Lost a good opportunity to utilize 10x

          Reply
          1. Abhishek Roy Post author

            Yes, Diners has limited acceptability

          2. Prashant Gupta

            I booked on Klook through paypal. Try to make payments internationally through paypal of diners is not accepted directly.

          3. Abhishek Roy Post author

            It should have accepted Diners Via PayPal. Which currency were you trying to pay in? In PayPal, with Diners, you can only pay in US Dollars. So if you tried paying in any other currency, PayPal should have converted it to equivalent US dollars and allowed charging your card.

  2. Mouli

    If I do a transaction through paypal in dollars , will that also be come under Global Value Program or only transaction done in POS in abroad will come under Global Value Program ?

    Reply
    1. Abhishek Roy Post author

      Yes, it will be counted towards global value as well as 10X.

      Reply
      1. bhunesh

        i don’t think paypal accepts dinner card .. i could only see American express master and one more but definelty not dinner …

        Reply
        1. Abhishek Roy Post author

          Diners is accepted by PayPal. It will be treated as a Discover card.

          Reply
      2. Shankar

        Are you sure about it ?

        Have you actually received 10x rewards for any such transaction ?
        I made a paypal payment of around 430 USD on 12th March and yet to receive any points. The latest points I received for international transactions, were for some January transaction.

        Reply
        1. Shankar

          The reason why I am asking this is because I am getting a pretty good deal on newegg.com which accepts paypal but not diners.
          The deal wont be that good without the 10X and I would rather order on amazon in that case since I can confirm that i have received international spends bonus reward on my amazon US spends.

          Reply
        2. Abhishek Roy Post author

          After December, the 10X points for international spends are credited after 3 months. I just got the points for January in the month of May. So don’t worry, you will get the points.

          Reply
  3. Ashish Nikhare

    Thanks for the update & keep doing the good work. Can you please tell the advantages of adding Utility bills & Insurance Standing Instructions on Smartpay on HDFC Diners credit cards. Apart from monthly timely payments and routine 1X points, what additional benefits do we get !

    Reply
  4. Abhijeet

    Hello,

    May be I have missed this earlier but need to know if I do a hotel booking in India through booking.com in currency other than INR , will it qualify for a foreign currency transaction and also 10X points ?

    Thanks – Abhijeet

    Reply
  5. Joel DSouza

    Hello,

    As per the T&C, there is a small change in how points are calculated. For 10X partners, it is billing cycle and for Smartbuy it would be monthly cycle. This is applicable from 1st April. My query is, for Smartbuy transactions, if billing was done in middle of March, and then transactions were done on Smartbuy upto March 31, how will the points be calculated?

    Reply
    1. Abhishek Roy Post author

      I confirmed with the customer care. They still told billing cycle.

      Reply
    2. saurabh

      Yes, you are right , we can verify it by clicking the TnC below smartbuy offer on hdfcbankdinersclub site .
      DCB max points :
      Smartbuy : 25 k per calendar month ( not statement cycle)
      10x partner rewards : 25 k per statement cycle
      10X Reward points on all International Spends : 10 k per calendar month ( not statement cycle)

      Use wisely

      Reply
  6. Raadhakrishnan R

    Is amazon included in Smartbuy? I dont see it anywhere.

    Reply
    1. Abhishek Roy Post author

      If you see in compare and buy, you’ll find amazon.

      Reply
  7. Ashish

    Does anyone own both Infinia and Diners black. I do have an Infinia card, trying hard to get Diners black as well, but my RM says they don’t give two credit cards any more (previously they used to). Any tips or tricks to still get both

    Reply
    1. HTC Fan

      I have both, but Diners is an add on issued in the name of another family member while I hold Infinia. HDFC it seems have stopped issuing 2 premium cards to the same customer.

      Reply
    2. Ankur Mittal

      I have both infinia and Diners Black. Initially they upgraded my diners black to infinia around 8 months ago and then issue Diners Black also

      Reply
      1. Siddharth

        Glad you’re around Ankur. I was expecting your reply to him 🙂

        Reply
      2. Jeet

        Ankur, I remember you had once said that Infinia can be made free (no annual fees) if you set up an add-on card, or set up autopay, or something like that. I can’t remember. Can you please share some light on that again?

        Reply
        1. Ankur Mittal

          Siddharth 🙂

          Jeet yes by setting smartpay, the card is fee

          Reply
    3. Majumdar

      Ashish,

      I do. I had the DCB to begin with. Later I applied for Infinia but was rejected (cant have two super premium cards). Then my RM suggested that I take Regalia First and after 6 months upgrade to Infinia. Which is what happened. But this is quite unusual and depends upon the persuasion skills of your RM.

      Regards

      Reply
      1. Balpreet Singh

        I am told by my RM that Infinia’s criteria is Mandatory Take home monthly salary of 3 or 3.5 lacs ( don’t remember exact) So does it come without that as well?

        Reply
    4. Kunal M

      I hold an Infinia, while I got my wife to get the Diners Black. That way, both of us hold both Infinia and Diners Black by way of one is primary, and the other, an add-on. Hope this helps.

      Reply
  8. Raj

    As soon as I completed one year of holding Diners Premium I got an option in netbanking to upgrade to Diners Black. Booked it immediately and got it the next day. I have accumulated 50000 points (50p each point, thus ₹25k) with Premium. By now that I have Black when I try to redeem it shows my each point value to be ₹1, this letting me redeem ₹50k. 😂

    I am sure this is a temporary glitch as the conversion rate on Premium to Black upgrade is 50%.

    Reply
    1. Abhishek Roy Post author

      Don’t worry about conversion rate. Thry haven’t deducted the points. Enjoy.

      Reply
    2. OP

      It will get adjusted with new rates. Happened with me also when upgraded my card.

      Reply
      1. Raj

        Yup, my points got adjusted based on the conversion rate. 😑

        Should have redeemed as soon as I upgraded. 😂

        Reply
    3. Vinod Kannan

      Hi Raj!!!
      Is the upgrade option still working in netbanking? For me it is always showing that “We apologize, but this facility is temporarily unavailable. Please try again later”. Please shed some light on this….

      Also if you don’t mind, could you please tell us your usage pattern n card limit which Triggered Diners Black Upgrade? I have been using Regalia card for the past 2 years on which i spend 1 lakh monthly

      Reply
      1. Raj

        Hi Vinod,

        Yes the upgrade option in netbanking works. I too used to see “We apologize, but this facility is temporarily unavailable. Please try again later” for one year. But I think that was because I was not eligible for an upgrade. As soon as you become eligible you will stop seeing that message and get an option to upgrade.

        Regarding my usage pattern, I spent 70-80k per month on an average, which included 32k of house rent paid by credit card using RedGiraffe. I had been pushing my RM for an upgrade from the time I received Diners Premium. But he kept saying that credit card approval team is not accepting. I initially got a credit limit of 3 lakhs which after 6 months was enhanced to 4.4 lakhs. Now with upgrade to Black the credit limit remains unchanged.

        One reason that also may have helped the upgrade is that I was already holding a Diners card.

        Reply
        1. Vinod Kannan

          Raj,
          Thank you so much for the kind reply.
          I called up the Grievance redressal today and persistently asked the lady about the internal Criteria for eligibility for Dinersclub Black. Initially she didn’t tell me and i cornered her by letting her know about the 1.75L per month/21L per annum criteria given in the website.. She then told me that they require 5L/month income for Diners black. I told her that whatever she was saying was wrong and asked her to just verify the Eligibility Criteria given in the website(1.75L/month or 21L/annum).
          She finally heeded to my words and took a look at tge criteria. And tadaaa!!! She told, “Sir, IT IS GIVEN HERE THAT Diners Black credit card requires a ‘MONTHLY TURNOVER OF 5 LAKHS or ANNUAL TURNOVER OF 60 LAKHS’. Also you need to send the Income Tax Computation Sheet along with ITR. ” I thanked her and went straight to the courier office and couriered my ITR plus Computation of Income Document along with the Upgrade form to Chennai office. My mistake last time was that i did not send the Computation of income document.

          Reply
          1. Dhruvil Patel

            Hi Vinod,

            Please let me know if you get the upgrade by that method.

            Hope to hear from you soon.

        2. Vaibhav

          sadly i am seeing upgrade option to diners club miles and not diners black. My current card is diners premium with a limit of 2 lacs

          Reply
    4. Ashish Nikhare

      They have changed the conversion ratio. Now with upgrade from Clubmiles to Diners you get 100% points.

      Reply
      1. Ab

        still showing 50% conversion rate (from premium to club miles) to me. just now i am checking the same.

        Reply
  9. Balpreet Singh

    Just want to confirm Redbus 10X is only for business credit cards right? THats what I could make from details on smartbuy. As retail customer having DCB, am I eligible.?

    Reply
        1. Abhishek Roy Post author

          It is accepting. Just now I checked. Just go to the credit card section (Don’t look at the logos). The logos don’t show Diners Club cards. Once you enter the card details, it will accept.

          Reply
          1. Rajat

            it doesnt accept in website … you enter all details and otp after that it rejects the DCB.

          2. Abhishek Roy Post author

            Okay. I haven’t made the transaction. Will see if I make. Will let you know then.

        2. Siddharth

          Yes, it doesnt accept on website, even though it shows diners logo after you enter full card no. This problem is there for quite sometime.

          But it gets accepted on app. I did a txn just a day back on redbus app. It goes through.

          Reply
          1. Abhishek Roy Post author

            I made a transaction today. It took me all the way up to the Diners ProtectBuy page. I cancelled the transaction from there. So the website does accept Diners for sure.

          2. Siddharth

            Oh good. The error actually said something like: “temporarily not accepted”. Maybe down for maintenance at that time. But i had the same problem even an year back.

  10. Vaibhav

    Are there unlimited domestic lounge visit on diners premium ?

    Reply
  11. Mo

    I wish I had diners club card, I have a invoice from my supplier that I pay thorough PayPal and the price is so good that 10X on that can be worth year long reward flights. I currently have SBI Signature and Regalia with credit score of 890 consistent for past 10 months any chances that I can be good to get approved for diners club even with income of <10L??

    Am excited with 10X on international.

    Cheers

    Reply
    1. Prashant Gupta

      Thats difficult. You need to have another bank card with very high credit limit but u get straight upgarde with existing HDFC card with more than 5L limit. With your salary u may get diners premium.

      Reply
    2. Vyom Aggarwal

      You can get your regalia converted to diners all miles

      Reply
    3. OP

      It is difficult with the mentioned income, however try to do most of spends with Regalia and then try to upgrade Regalia to Diners , based on spend there is a chance.

      Reply
  12. SumS

    It seems smartbuy 10X offer valid on EMI transactions effective 1st April 2018. You may check and update.

    Reply
    1. Abhishek Roy Post author

      Yes. Updated the article accordingly. Thanks.

      Reply
  13. wah

    Can we hold two cards from hdfc,
    As one is normal hdfc & other dinner club,

    Reply
      1. Ab

        Hi Abhishek,
        I got one sms from HDFC that you are entitled for add on card on your diners premium card for your spouse,siblings etc. Can you please elaborate what are the facilities on add on card and how i get that one. is it same diners premium card with same facility or any other card. i just want to grab that one so that both of us (me & my wife) can use the lounge service.

        Reply
        1. Abhishek Roy Post author

          If the person for whom you want the add on card has an HDFC account then you can get the add on card very fast by application from netbanking itself. If that’s not the case then you have to visit nearest branch with all the documents that are required and the form and fill up and submit. It will be the same card and it will share the lounge visits with the main card. All bills are to be paid by the primary care by holder for all the purchases.

          Reply
  14. Sourav

    Hi Abhishek,

    Thanks for the detailed info on the 10X rewards categories. I wanted to know if I would get 10X rewards if I made purchase from amazon via smartbuy with DCB. Flipkart is given in smartbuy as a partner but amazon is not there. I have taken screenshots as you had elaborated but wondering now if amazon via smarbuy is covered or not.

    Reply
    1. Abhishek Roy Post author

      Yes, it is covered. You can see amazon through compare and shop. There is no options of screenshots though to prove. The only way is to make a video of the whole purchase.

      Reply
  15. KETAN CHAUDHARY

    Hello Siddharth/Abhishek Roy,

    Continue this great work, Still can we use the unlimited lounge access in Addon Card in Diners Black?

    Thanks.

    Reply
      1. KETAN CHAUDHARY

        thanks, bro for the quick reply, Means in India we can use unlimited in Add-on and In International, we cant use the addon?

        Reply
          1. Shrey

            Have you tried using add-on cards on international airport lounge I was relying totally on my DCB for my entire family if they are providing it for domestic I don’t think there should be anything different with international what say?

          2. Abhishek Roy Post author

            The authentication system is different for domestic and international lounges. You use and see if it works. Let us know after 30-60 days. If you are charged or not.

  16. Kabir

    Hello Guys @ Siddharth and Abhishek
    Thanks for maintaining the most educating blog on Indian credit card scene
    I have been holding the DCP for about 8 months now and it was infact my second card after an entry level card that i took for building the credit score. The idea for DCP did come from your blog only when i was researching for the best cards available. It is through your blog that i currently stand at 8 cards and counting :D……
    Gotta say that have made good use of the 10X promo, even though have been plagued by the limited acceptance of the brand. Funny enough, have still not been able to use for the foreign transactions either offline or online even after making foreign trip.
    However, I feel that the bank is currently aggressively trying to push CDP customers to DC clubmiles, and while they term it as an ‘upgrade’, comparing the income requirements for both, it doesnt seem that way, and one ends up losing half the rewards points, which seems counterproductive unless one is very highly involved with CV or JP program. I have always used the reward points from DCP through e-vouchers to buy tickets and then used the miles i have accumulated to upgrade classes of air-tickets.
    are you aware of any credit card program that allows for conversion of points to hotel membership points, except the Trident with clubmiles?

    Reply
  17. tathagat

    ” last but not the least, always keep a screenshot of the order completion page. This page is unique and it has both the Flipkart and SmartBuy logos ”

    Just completed a transaction for a mobile phone following all the steps but the logo did not come !! Though I did take the screen shot.. hopefully the points shall be credited. Any more tips as i need to buy a mobile phone in the evening too !! Thanks

    Reply
    1. Abhishek Roy Post author

      Always take the screenshot through print screen ie with native screenshot grabber.

      Reply
      1. tathagat

        I did !! In fact I followed all the steps But the page did not have both the logos !!
        Don’t know why ….could you suggest a possible reason ?
        Just keeping my fingers crossed !

        Reply
        1. Abhishek Roy Post author

          In case this thing happens, take a picture of the computer screen with mobile. Be careful to include the logos as that is you only arguing point. It works for me. I don’t know why it didn’t work for you.

          Reply
          1. HAri

            Even I don’t see HDFC logo. Can you please provide screenshot of your purchase whenever you do?

          2. Abhishek Roy Post author

            I can’t post the screenshot due to privacy reasons but I assure you, the screenshots that I take have smartbuy + flipkart logo.

    2. Mahesh N R K

      Did you use flipkart mobile App for this shopping, I think smartbuy + flipkart logo will only come if you go to flipkart website from smartbuy site.

      Reply
  18. tathagat

    I might add that the other phone i need to order is available at amazon/ samsung e store !

    Reply
  19. Rohit

    I noticed that they have several Amazon and Myntra items in Smartbuy too. After being redirected to Amazon/Myntra, has anyone tried to add any other item? Can you get 10X points this way for the entire site catalogue?

    Reply
    1. Abhishek Roy Post author

      The point is I have bought a few items recently like this. But I’ll have to wait for 3 months to see if the points are auto credited or not.

      Reply
        1. Abhishek Roy Post author

          I am still not getting time to track these now 🙁 Will let the forum know if I find out.

          Reply
  20. Anupam

    Hi Sid,
    I have been upgraded from Regalia to Diners Black. During the switchover which is mid-statement cycle, the transactions done using earlier Regalia reflect under Diner Black’s usage. Will these transactions earn points as per Diners Black rewards earning rate or Regalia rewards earning rate?

    Reply
    1. Siddharth

      It does, but ideally you’ll get on Regalia earn rate, because those would have got posted to your unbilled RP’s of regalia already, which gets transferred to new card.

      Reply
  21. Malavkumar Patel

    Hello Sid/Abhishek,
    In my family we have Regalia and Diners Club Black both card and both has limit of 8,00,000,
    We have a close friend working in HDFC Bank Credit Card Division in Ahmedabad, He told us that we have maxed out on credit limit on both the cards, He also says HDFC has upper cap of 8,00,000 credit limit on all credit cards except Infinia, If that is true than how am i seeing readers in this website claiming to have more than 8,00,000 credit limit on their regalia card, I saw someone claiming to have above9,00,000 credit limit….!!

    Reply
    1. Siddharth

      An exception can be taken. But in most cases, if it can be taken, you should be eligible for Infinia as well. So why not upgrade?

      Reply
    2. Abhishek Roy Post author

      Okay that’s a new info. Didn’t know about this. Let’s see if we ever reach that CL or not.

      Reply
    3. Jay

      I have a friend who has Regalia with 14,250,00 limit on his card. He has been using HDFC Cards from 2006.

      Reply
      1. Mouli

        Are you sure, I cant believe this, that too with Regalia card
        I am also using HDFC CC from 2006 and holding DCB now with 5L limit
        If he is really that limit then it would have been given by mistake

        Reply
        1. Captain Bishuddha Bharatiya

          I think Jay’s friend might not be sharing the correct numbers. Mouli how much limit you have in SBI Prime if I may ask ?

          Reply
          1. Captain Bishuddha Bharatiya

            Mouli wow 5 lakhs on SBI Prime is great. I applied online and they didn’t asked for my income documents. Got only 75k limit on my Prime. However I have Regalia First with 2.25 Lakhs limit.
            1. How you applied for Prime ?
            2. Did you provided Income proof ?
            3. Have you got any limit enhancement from SBI ?

  22. Malavkumar Patel

    I am private equity invester and i don’t have ITR of 40 lacks required for Infinia card, They require Gross Income of 40 Lacks, so tax free long term capital gains from mutual funds and stocks are not considered for income, I am Imperia customer of HDFC bank and my Hdfc credit card friend and RM did try to get me Infinia but it didn’t work, Tries to escalate all the way to Principal Nodal Officer but still no result, We have 10 savings accounts, 3 Demat accounts and 7 credit cards with HDFC bank and countless life insurance policies and i threatened to close them all but even that didn’t work, Since other banks have launched their super premium credit cards to compete with Infinia, Hdfc has made Infinia even more illusive, probably to make their existing Infinia customers special and not to loose more money on cards like infinia because of its higher reward rate and other perks.

    Reply
    1. Siddharth

      That’s very sad to know. Btw, is this happening even after 10L+ spends a year on card?

      Reply
      1. Malavkumar Patel

        Forget 10L+ spend a year, There are few months where i spend 5L+ in a month on a single Regalia card, even then i didn’t get Infinia upgrade, I just calculated for Cardexpert readers that i have spend 70L+ in last 3 years and even then no upgrade, its just sad.

        Reply
        1. Siddharth

          That’s real pathetic! And finally, are you holding the ac in a branch with 100’s or 1000’s of other Imperia customers?

          Reply
          1. Malavkumar Patel

            Hdfc has only two Imperia branches in Ahmedabad, Gujarat and my family has accounts in one of them so it doesn’t really matter which branch i choose, Besides I bring lot of business to Hdfc in form of new account opening referrals etc, So they do make an effort for me, If branch guys initiate my Infinia card request without ITR even then Chennai guys will reject it because of no ITR and all….!!

          2. Siddharth

            Alright. Wish you gook luck for auto upgrade option to be enabled!

    2. Abhishek Roy Post author

      Infinia has a reward rate similar to Diners Black. HDFC is losing more money on DCB than on Infinia.

      Reply
  23. Captain Bishuddha Bharatiya

    Mr. Malavkumar we hope you get infinia in future.
    In the meantime can you please explain how was your credit card journey with HDFC so far ? How much limit you started with and when you got upgraded ?

    Reply
  24. Malavkumar Patel

    Hdfc bank knows that people with Low ITR also earn good money, That is why they have system and algorithm in place which detects your average quarterly balance and transaction pattern and offers you pre approved credit cards without ITR and auto limit enhancements and auto card upgrade, That is how i received my first credit card(Regalia) with Hdfc, I have no regrets that i am unable to get infinia, because super premium cards have always been impossible to get and nobody should chase them madly, Look at Citi Ultima, Amex Centurion, Yes Private(Not Really good card) etc, all difficult to get.

    Reply
    1. HTC Fan

      Infinia does not belong to the same league as Amex Centurion or even Citi Ultima Infinite. These cards are are so exclusive that they don’t even find a mention on the Indian website of the respective card issuers. There is nothing eye popping in what Infinia offers to the card holders apart from excellent reward rate of Diners Black and acceptability of Visa. The other plausible reason to chase it could be till the time HDFC announces another super premium card as I don’t see a devaluation in the earn rate of Infinia anytime soon. I somehow feel the good times would be ending soon for Diners Black as now it has a reasonably large base and HDFC has been issuing it enmass provided you meet the criteria. They are bleeding much more on DCB that Infinia as the latter has a much smaller user base.

      Reply
      1. Abhishek Roy Post author

        I don’t find Centurion attractive at all. I think Infinia is a great card. Cards like Centurion gives you more exclusivities than benefits. Being AMEX, it’s not globally accepted too. Users like me would be happy to get cards like Infinia that will work almost anywhere in the world where credit cards are accepted rather than having cards like Centurion which will be seldom accepted at all shops. However, I find the Citi Ultima Infinite to be a much superior card than Centurion just on the basis of the acceptability itself. Not to forget, the insane card fees of Centurion. 🙂 IF only their concierge service would have been half as good as what they have in the US, Centurion might have been a different ballgame altogether in India.

        Reply
  25. Raj

    Its mentioned that 10X rewards are also credited for 3 party sites like flipkart / Amazon.

    The program consists of transactions done on SmartBuy page and ones that are done on 3rd party Sites like Flipkart/Amazon.

    I understand that flipkart is a partner. What about Amazon ? Where is it mentioned/

    Reply
  26. Malavkumar Patel

    I would be glad to share with all Cardexpert readers,
    i didn’t own any credit card before 2014, I received a call from Hdfc Ahmedabad in June 2014 that i am pre approved for lifetime free Regalia card without ITR, I told them that i would be glad to have the card so i went to the bank next day and they asked me to log in to my Netbanking, then the bank executive opened the apply for credit card tab and filled up the relevant details and very next day i received a verification call from Chennai, they asked me about my profession which i told(I am private equity investor), and i had my card with me in three days after verification call,
    Initially i received credit limit of 2,25,000 when the card was approved in June 2014, I studied all the aspect of earning capabilities of the card and spent accordingly, I tried to put all my family’s expenses on the card, and i would easily spend 1,00,000 monthly, that is more than 30% of my card limit, I was not worried about my cibil score because of higher utilization of my limit, i was more interested in earning rewards,
    So after six months of getting my card, in Dec 2014 i received limit enhancement from 2,25,000 to 4,25,000,
    After another six months, in June 2015 i received another limit enhancement from 4,25,000 to 6,00,000, then in Dec 2015 my limit was enhanced from 6,00,000 to 8,00,000
    After this i became credit card freak(Like Sid) and wanted to upgrade to Infinia but i checked online and it was invitation only(required ITR of 40L+) so talked to my RM and she tried to get approval but couldn’t be done, I did make an effort, but then my branch manager suggested that i should split my regalia limit in two cards and get another card which is similar to Infinia(Diners Black), So i went ahead,
    In Feb 2016 branch guys took my application on plain paper to split my limit in two cards and give me another credit card(Diners Black), they also took my sign on Diners Black card application form, in the span of one week my Regalia credit limit was reduced from 8,00,000 to 3,00,000 and new Diners Black was approved with limit of 5,00,000,
    But i was not happy with Diners Black because of it’s low acceptance offline and online and in those days regalia provided good reward rate, for example weekend spends give double rewards so i stuck with my regalia,
    Again my regalia limit was enhanced from 3,00,000 to 5,00,000 in August 2016 and again 5,00,000 to 8,00,000 in Feb 2017,
    But i received message from Hdfc that regalia and other cards were being devalued, so grudgingly i switched my spends from Regalia to Diners Black, I had received my Diners Black in Feb 2016 but simply left it at home for more than one year but started using it after one year and one month in March 2017 and same story here, received limit enhancement from 5,00,000 to 8,00,000 in August 2017,
    But to my surprise i didn’t receive further limit enhancement in Feb 2018 or any month afterward so contacted customer care but they don’t really answer so contacted my RM and BM and they told me that i have maxed out on my limit,
    One thing i noticed with HDFC is that, they don’t have two credit cards with shared limit, they may split your credit limit on one card to give you another card but after that two cards are on their own and follow their own spend pattern to offer limit enhancement every six months, For example i left my Diners Black idle for one year and didn’t receive any limit enhancement but later received enhancement after using it,

    I hope this all has been useful,
    Regards, Malavkumar Patel

    Reply
    1. Abhishek Roy Post author

      Now that was some quick increase in CL. I haven’t heard anyone getting such high limit increase so fast. But then, I might be wrong. Actually HDFC has a total exposure of 16 L on you, considering the two credit cards that you have. You can easily get the Yes First Exclusive Life time free with your 8L limits credit cards from HDFC. Once it’s done, you can use Yes First Exclusive as the back up card against your Diners Black. Trust me, most of the benefits that Diners doesn’t provide you( But is there on Infinia) will be compensated by YFE. Enjoy!!

      Reply
      1. Malavkumar Patel

        Its not really quick limit enhancement, Hdfc offers you limit enhancement every 6 months if you are eligible, I took it every time they offered it,
        Total exposure is not 16L, Its 36LThe, I am also offered 10L worth of Insta Jumbo Loan on each of my cards so its another 20L,
        Only reason i stayed away from obtaining any other bank’s credit card including Yes First Exclusive is because i wanted to put all my spends on a single card and see how much auto credit limit can be enhanced,
        But after i found out that i have maxed out on my credit limit enhancement, We are putting all our spends on my wife’s more than one year old Dineres Rewardz card with credit limit of 75,000 which was sitting idle till now with no limit change since being issued, I will let you know what enhancement they offer in six months.

        Reply
        1. Captain Bishuddha Bharatiya

          Sir Malavkumar you credit card limit got increased like PSLV Rocket ( superfast ) and it has reached Mars. You are like God of credit cards to me. Even if I hang myself I will never get such limit ? Please do the honour of answering the following questions-
          1. How much average balance you maintain in your imperia ac. ?
          2. What are your area of expenses ?
          3. Are you investing every money in equities through HDFC deemat ac. and how much you have invested ?
          4. From how many years you are associated with HDFC ?
          5. What other relationships and of how much value you have with HDFC ?
          6. At last what will be your suggestions for CL increase for common person like me who maintains only 10K in saving ac. and has less than 4 lakhs ITR ?

          Reply
          1. Malavkumar Patel

            1. My average quarterly balance is between 5,00,000 to 10,00,000,
            2. I will write separate comment regarding my area of expense and how do i spend my money on credit card to milk maximum benefit out of it, its going to be long and boring,
            3. I have only one Demat account and it is with HDFC bank, and i have range of stocks and mutual funds in my demat account, current value is upwards of 50,00,000,
            4. I am associated with HDFC bank since 2007,
            5. My family in total has 10 savings account, 7 credit cards, 3 Demat accounts with HDFC bank, and countless life insurance, motor insurance, health insurance and ulip policies, Total value of it all will be difficult to count,
            I will advice everyone to not have accounts in multiple banks because it will only dilute your average quarterly balance, same with Demat acc, if you live with parents/wife then just keep minimum balance in their account and keep most fund in your account so your AQB will be high, also try not to spend on all cards monthly, just focus on one card and put all your spend on it, get add on cards and give them to your family members so they also can put spend on your card only, so your monthly credit limit utilization will increase and bank will know that you need more credit limit, If you have 1,00,000 credit limit and your monthly usage is 10,000 then you are never going to get auto credit limit enhancement.

      2. Parag

        They are not giving yes first exclusive for free. Even if you have 8L limit on another card.
        Yes first Preferred is Life time free

        Reply
    2. Siddharth

      Awesome! Thanks for the sharing your experience with HDFC cards.

      AFAIK, You can get CL more than 8L on Regalia if you’ve exceptionally high spends, especially in shopping/travel. For ex, someone i knew used to spend like 5L+ easily on a single trip, usually POS foreign spends & travel. He got it enhanced to 10L+ through branch. But this was anyways possible because he had huge NRV with bank as well.

      Reply
      1. Malavkumar Patel

        I have a theory about high credit limit on cards like Regalia and DCB,
        I believe Hdfc has upper cap of 8,00,000 limit under auto credit limit enhancement option, so if you need more limit then you will have to give ITR to branch, otherwise no matter howmuch you spend on your card, you are going to be stuck at 8,00,000.

        Reply
        1. Siddharth

          Yes, they need 3yrs ITR for self employed to take such exceptions.

          Reply
  27. Satish Kumar Agrawal

    Master idea sirjee (Dr Abhishek).

    @ Malavkumar
    Now no need to endlessly pursue Infinia. You can easily get YFE ltf card on card against your Regalia/ Diners Black card.

    Reply
    1. Saurabh

      Sorry but after checking benefits of YFE , is there anything which is found better than DCB.

      Reply
  28. PRIYESH

    Taking about premium cards, standard chartered ultimate card is a nice option as well, rearward points equivalent to dcb, Infinia and far more redemption options. But I see not much of people talk about it over here, is there any particular reason for this or any bad experiences people have?

    Reply
    1. Amann

      Hi Priyesh

      SCB Ultimate appears to be a nice card. They do not offer it LTF or joining fee waived. It also offers only 1 PRIORITY PASS visit in a month provided you have used the card in excess of Rs. 20,000 in the previous month.

      If these don’t matter, Ultimate card with rewards @ 3.3% is awesome.

      Reply
    2. Rohit

      I use DCB for 10X partners, SBI Prime for biller auto-payments (5% cashback essentially) and rest goes to SCB Ultimate.

      SCB Ultimate is a great card and best part is redemption as amazon vouchers, which is almost as good as cash. The joining offer with MMT was great and renewal with 5K gets you 5K worth RPs!!

      Reply
  29. Anshul

    Does anyone has any experience in applying for any HDFC card for homemaker?
    HDFC website online application form for credit card has “homemaker” as option under income details. Any idea if they really issue cards to homemaker? If yes, what income proof/document is required from homemaker?

    Reply
    1. Siddharth

      All you need is a HDFC Preferred (or atleast classic ac) with 6 months txns. Then you can apply without any docs.

      Reply
      1. Anshul

        Thanks Siddharth. Will this work on a joint account too with homemaker as the first holder?

        Reply
    2. Prasenjit

      Yes… works like charm… Couple of months bank applied applied for Regalia card for my Mom and got it in 2 days. Interestingly she got higher credit limit than me :). And yes it does work with join account with the homemaker as the first a/c holder..

      Reply
  30. GS

    Has anyone faced issues buying Flipkart gift cards via smart buy on diners black..I have been trying to buy gift cards with 70k from the site and any time I try to buy more than 5k in one transaction, I get a ridiculous message of the item is out of stock. Escalated to FK for a month but they haven’t been able to solve yet. Finally got a call today and they said it’s an issue with your card. Has anyone else faced this?

    Reply
    1. Mouli

      If you buy flipkart gift cards through smartbuy , is that eligible for 10x ?

      Reply
  31. Prashant Gupta

    Some interesting news guys. Received email from siggy today about offer in which it is mentioned 10x points on diners card valid till September 2018. Looks like april will extend to september.

    Reply
  32. Manav Narang

    I have a regalia first card and am switching to a new job with a good pay hike. My gross monthly income is above 1.75L but the Net monthly isn’t. 🙁

    Should I try upgrading my regfirst to dcb? Or should I get the diners premium, transact on it heavily and wait to get the upgrade to black? In the latter scenario, what is the estimated waiting time?

    Currently I hardly use my regfirst coz my amex gold charge gives me better rewards.

    Reply
    1. Raj

      Upgrade from Diners Premium to Black will be done after atleast 1 year of heavy usage. I desparately tried for an upgrade for 1 year but did not get. Then I stopped chasing. But as soon as I completed 1 year the upgrade option in netbanking was available.

      Reply
  33. Rahul

    I would like to know that if I purchase an electronic appliance from flipkart through smartbuy at a no cost emi with addition to fk promo of additional 10% up to 1500 off on hdfc cards.), would I be still be eligible for 10x points on my diners club miles card?

    Reply
  34. Pratik

    The 10x on non-smartbuy (which is currently showing 30th april) would most likely be extended. BMS shows validity of 31st Dec 2018 in its T&Cs. Swiggy shows Sept 2018.

    Reply
  35. Anant

    During my upcoming trip, I will go through 3 international airports (diff countries) on the same day. Can i access lounges on all these airports free with DCB?

    Reply
      1. Anant

        Thanks Sid for the promt respose!

        I had also read earlier that there were some users who had trouble getting free access more than once with different lounges in same airport on the same day. Is that the case or is lounge access unconditionally unlimited. 🙂

        Thanks,
        Anant

        Reply
        1. Siddharth

          If both lounges are run by same company, that could happen, that too in rare case as each lounge will have different merchant ID.

          Reply
  36. Shrey

    I see everybody chasing infinia.But the only USP it has over DCB is it’s acceptance and poor reward rate is it really worth chasing isnt dcb better than infinia (if we ignore acceptance for a moment) what say sid and dr roy

    Reply
    1. Siddharth

      Infinia – Long term relationship
      DCB – Short term fun, due to 10X 🙂

      Reply
  37. Ashish

    @Shrey
    It’s also about acceptance. Visa is still much more widely accepted than DCB
    I can any day swap Infinia with DCB, but not doing it only because many places I regulary use my infinia do not accept DCB yet.

    Reply
    1. ravi

      Diners acceptance is now almost onpar with SBI on board. Dont know about Citi Pos machines accepting Diners.

      Reply
    2. Shrey

      I got a call for an upgrade to infinia but i declined and i think i made a right decision till the time 10x is here anything else is a waste.

      Reply
      1. Vinod Kannan

        OMG, U could have got Infinia and then asked for Diners Black by Splitting ur limit right?

        Reply
        1. Shrey

          Reward rate seem like a downgrade instead of an upgrade they may issue diners black later but I wasn’t too sure also it would mean missing out reward till the time DCB is not issued infinia has no benefit over dcb apart from acceptance at a few POS dcb over infinia anyday (till 10x)

          Reply
      2. Malavkumar Patel

        Did the HDFC guys ask for ITR based infinia upgrade or they were simply going to upgrade you without ITR?

        Reply
      3. Malavkumar Patel

        Did the HDFC guys ask for ITR based infinia upgrade or they were simply going to upgrade you without ITR?
        Can you elaborate more on that? I am sure everyone here would like to know that in details.

        Reply
  38. OP

    Smartbuy flight booking 9x reward points used to be added next day of billing.
    However this month they are not added, are you guys also observed same?

    Another info :
    If you need temporary credit limit enhancement you can mail them, and get it increased for one month.
    I tried in the month of march, however 1st April limit was reduced to original and had to make some payment.
    Not sure if you can get it for more than a month period.

    Reply
    1. Abhishek Roy Post author

      I got Smartbuy (for flights on Smartbuy ) points credited for March 5th and 6th. I got it in April after my April statement was generated.

      Reply
    2. Saurabh

      Yes, smartbuy seems to be made on par with 10x benefits coming in 90 days rather than just next statement cycle

      Reply
  39. Himanshu

    Hi! Someone please help me regarding this.
    I applied for HDFC Diners Clubmiles card but received Diners Rewardz.
    This card is a useless card for me.
    HDFC people really sucks!
    The branch person told me that if i apply for add-on card. then the card will be LTF.
    I did not even get the add on card! This means that the card is not even LTF.
    Now what to do? I am struck with this useless card that too with an annual charge of 1000+gst.
    Sid/Abhishek pls help me for the same.
    Thank you

    Reply
    1. Abhishek Roy Post author

      Just tell them that you applied for the Diners Club miles and that you never applied for Diners Rewardz. It’s better not to have the card at all than having HDFC Diners Rewardz card. Call HDFC and confirm whether this is a free card or a chargeable one. They can never give you the add on card against th same application since they have changed the application all together and issued you a different card. Escalate the issue to higher management.

      Reply
      1. Himanshu

        Called CC. They said its not LTF 🙁
        Feeling cheated by HDFC. Moreover they say, they will simply hotlist the card if I don’t want rewardz variant.
        They said that for Clubmiles, you may hotlist this card and re-apply for clubmiles.

        Reply
  40. BInay

    the question may not apply to this diners black thread, but can u name the right combination of credit cards(premium and super premium) for maximum benefits? Have tried searching internet but to no luck.
    Thanks

    Reply
  41. Jeet

    Does anyone know a way to use Diners Black card on an international site that does not accept Diners/Discover/PayPal? The site only accepts Visa, Mastercard, and Amex. I’m obviously looking to get 10X points on the international transaction.

    Reply
  42. DR.HARDIK PATEL

    Hi Abhishek, I am also doctor by profession and i want know that what are my chances to get upgrade diners club black card as i have regalia with 390000 limit and have hdfc classic account since 4 years and had hdfc loan worth 25L…do you think that diners will extend their 10x program after 30 april 2018? Please answer my questions…Thank you…Dr.Hardik Patel

    Reply
    1. Abhishek Roy Post author

      There is high probability that the program shall be extended again. Getting Diners Black is a tough soup and it is totally unknown why somethings work for some users and something’s don’t. You can try upgrading but it’s difficult to say if you’ll be approved or not.

      Reply
  43. Anil

    Hi. I was trying to order Samsung S9 through smartbuy Flipkart using no cost emi on DCB but it I am getting error “your HDFC EMI is currently not supported for this transaction “
    Any one else facing this? Could some one try and let me know

    Reply
    1. Abhishek Roy Post author

      This should not be the case. You should be able to take the emi option. By the way remember, you won’t qualify for any points with you take the emi.

      Reply
      1. AJESH

        Earlier you said , EMI transactions also qualify for 10X points , right?

        Reply
        1. Abhishek Roy Post author

          I stand corrected. The points are valid on EMI taken on smartbuy flights, hotels and Flipkart. Not on Compare and Shop though. But I’ll still not take the risk.

          Reply
  44. Mohak

    Hi abhishek !
    If i buy pixel 2 phone from flipkart via smartbuy. As flipkart is giving 10k cashback on hdfc cards, will i also get 10x points in addition to the cashback ?
    (I doubt because terms and conditions say we cannot club any offer with 10x offer)

    Reply
    1. Abhishek Roy Post author

      Yes, you will get both the offers.

      Reply
  45. Shitesh Chaurasia

    Hi,
    Can u pls update about the acceptability of diners club black card?
    M looking to get that credit card, however, hdfc people suggest to get regalia card due to low acceptance.
    M a frequent foreign traveller with 70 percent online shopping.
    Pls advice.
    Thanks

    Reply
    1. Abhishek Roy Post author

      For domestic use, Diners is Good. But for foreign travel, you need a back up card (VISA or MasterCard)

      Reply
  46. Akash Goel

    Sid/Abhishek, One interesting thing i noticed.

    The DCB helpline is exceptionally good. They are patient and are ready to run through the entire statement for checking if 10x for a particular transaction is eligible or not.

    Does anyone use Rentpay(redgiraffe) with DCB? Do they give reward points for it?

    Secondly if i get an add on card, does it have the same card number or a different card number?

    Reply
    1. Anshul

      I have an add-on DCB card on my primary card. Card number, expiry and CVV are same for both cards.

      Reply
    2. Venkat

      I am interested in this as well. Also, how punctual is RedGiraffe? Do they stick to date we tell them to deposit or does that vary? Anyone knows?

      Reply
      1. Abhishek Roy Post author

        Very punctual. Plus minus 1-2 days max. Otherwise everything fine.

        Reply
    3. Parag

      According to hdfc mail. We should get points on rent pay. I used it last month.

      Reply
    4. Saurabh

      Can answer one query , add on card has same card number as primary

      Reply
    5. Abhishek Roy Post author

      Yes, DCB gives 5 RPs for every ₹150 spent. You end up getting almost 2.9% cash back (RPs- 3.33% – 0.39% plus GST).

      Reply
    6. Prashant Gupta

      Abhishek bro, is it true because writing to customer care is hassle and it takes 1 month to resolve a query.

      Reply
      1. Abhishek Roy Post author

        If you have a DCB, then you can straight away call their premium helpline and get all the things done. But if it isn’t the case, then you will have to suffer at the hands of their ordinary hdfc agents who don’t have any clue as to what they are talking about.

        Reply
        1. Prashant Gupta

          I have dcb… and all the while i have been relying on email as i remeber once that the Custcare on phone said to send an email for all the points queries.

          Reply
          1. Abhishek Roy Post author

            Don’t even think about emails. Better see the back of the card. That number is of premium helpline numbers for Infinia and DCB holders only. Enjoy.

  47. Karan

    Bhai I am using dinners black club card from last 5 month till date I have spent almost 5 Lakh on International travel but didn’t received any 10x points I called my personnel HDFC banker but they raise compliant but didn’t took any action u know any email I’d where. Can escalate it I can sent u my 5 month statment also

    Reply
    1. Prashant Gupta

      Simple call customer care.. the send a mail, address is given on the website. You should receive. In fact you should have activated global value program, u would have received 1% cashback + Rs2K yatra voucher.

      Reply
  48. Captain Bishuddha Bharatiya

    Mr. Malavkumar we are waiting for your valuable comments on area of expenses .

    Reply
    1. Malavkumar Patel

      Sorry for late, I have been busy lately with one thing and another,
      besides i want to make it understandable and perfect for everyone,
      I will do it soon.

      Reply
  49. Agrim

    Hi everyone.
    I have regalia card although which card should i chase through my RM Dcb or Infinia. Itr is not an issue.
    Infinia doesn’t have 10x reward benefit?

    Thanks

    Reply
    1. Anshul

      Till the time Diners 10X rewards are there and if you can make sufficient use of it, I’d suggest to go with DCB.
      Else go with Infinia which will still give you 10X on Smartbuy (as long as it lasts).

      Reply
  50. Satish Kumar Agarwal

    @ Agrim

    If acceptability is not an issue, go for DCB and also for 10X reward points. Whether you are going to spend at those 10X partners and these partners keep on changing.

    Otherwise go for Infinia. Also if u travel international with family as PP lounge access on Infinia is unlimited to both primary n addon members.

    Reply
    1. ravi

      Infinia domestic lounge access is restricted to 4 per quarter. Total of 12 per year as per HDFC website
      Regarding PP lounge acccess, it just says both primary and add on card holder eligible for complimentary access. But there is no mention of any limit or unlimited aceess

      Reply
  51. Riaz

    The smartbuy portal is acting weird and not letting me book any tickets. it says requested data not found for all bookings. Anyone else facing the same problem?

    Reply
  52. Ashutosh

    @akash, the add on card will have the same number as primary card holders.

    Reply
  53. OP

    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 30th June, 2018

    Treebo hotels in
    Domino’s pizza out

    Reply
  54. Tarun

    Update: 10X on partners extended to June 30th 2018.

    Domino’s removed, Treebo Hotels added

    Reply
  55. Prashant Gupta

    10X extended till June 2018. Dominos removed and Treebo added.

    Reply
  56. Akash Goel

    Confimred on their website that 10x program extended to 30th june.

    Treebo is a new entry to the program….

    Enjoy for some more months

    Reply
  57. Anshul

    Update:
    Program extended till 30th June
    Dominos out, Treebo Hotels in

    Reply
  58. Parag

    10x reward points extended till 30th June, 2018.
    Our Affiliated Brands
    Treebo Hotels
    Tata CLiQ
    Lifestyle
    BigBasket
    Uber
    BookMyshow
    Swiggy
    Redbus

    Reply
  59. Rahul Singh

    @akashgoel
    Yes, dcb gives 1x points for Redgirraffe and 150 Cashback for first 5-6 months from smart pay. Redgirraffe charges some bucks though.
    Overall good deal.

    Reply
  60. Captain Bishuddha Bharatiya

    Siddharth I am interested in your paid services. I want to know how can I revolve credit every month wihout paying any fees. Kindly tell me how can I pay your fees ?

    Reply
    1. Siddharth

      Sorry! Currently away from both consultation & blog.

      Reply
  61. Nakul

    Hi Abhishek & Siddharth,

    First of all, thanks for making CardExpert. Your detailed reviews & experience in credits cards made it easier for me to make some choices.

    I hold a HDFC Bank Diners Black card and I’ve been facing an issue. Any advice on the issue will be very helpful.

    I made couple of transactions in December 2017 via SmartBuy totalling upto 1,75,000. Both of the transactions were done in two different billing cycles. One merchant was Croma and the other was Tata Cliq (before TC was declared as a partner).

    I was supposed to get 25k+25k=50k reward points in total for these transactions but haven’t received those. When I contacted the bank, I was told that these transactions were done directly and not via SmartBuy. I was asked if I have any proofs of having done these transactions via SmartBuy which obviously I don’t. I had done a proper transaction from Compare & Shop action as is expected to avail the 10 offer. I’ve escalated the matter over mail with the bank but it’s just going in circles.

    Do you have any advice here?

    Anyone else here who have faced this issue while transacting using SmartBuy?

    Reply
    1. Abhishek Roy Post author

      There is no other way than escalating with HDFC.

      Reply
        1. Abhishek Roy Post author

          Escalating means you have to contact the higher authorities.

          Reply
    2. Rishi

      I think during December hdfc systems were messed up. I was also initially not given the rewards but after giving proofs (ie) snapshots which had taken, I was given the rewards. Hdfc messed up lot of rewards on my card. Finally, yesterday I got around 90k missing points.

      Reply
      1. Nakul

        I think you are right. Even I received 50k in one go. It’s ridiculous that we have to maintain proofs of having bought from Smartbuy. Technology exists to solve such reconciliation problems.

        Reply
  62. Anoop E S

    Update – Partner brand 10X offer extended till 30th June 2018

    Reply
  63. Hardik Parikh

    I got my DCB card yesterday. I got it on my Regalia card and the Regalia limit was halved from 10L to 5 L. I was not required to submit any income tax documents as I am a very old HDFC card holder and have a good relationship with the bank.

    Reply
    1. batfan47

      Congrats Hardik, Were you charged a fee for the Diners Black or was it given LTF. What was your annual card spend range before being upgraded.

      Reply
  64. vyom aggarwal aggarwal

    WEF 1ST APRIL smartbuy transactions 10x points will be calculated on calendar month basis, got my points on 1st may and called up customer care and they confirmed it

    Reply
  65. tathagat

    Domino’s is out..Treebo is in as direct partner for 10X…. program extended till June,2018 !! Those who tour a lot can now take advantage of treebo !!

    Reply
  66. Vinod Kannan

    Does anyone have any idea why HDFC considers Dinersclub Miles Card superior to Regalia? I asked for an Upgrade to Diners Club Black, but HDFC said they are Glad to UPGRADE my Regalia to Dinersclub Miles since im not meeting their criteria for DCB.

    Reply
  67. Ali

    Hi guys,
    Any body facing problems with DCB at tata cliq. I am trying to buy a gold jewelry and the order is put on hold and the card is debitted but Tata clique is cancelling the order and refunding the amount back to card. I have tried multiple times for past 2 weeks and everytime the same thing is happening. tata cliq says some issues with the HDFC Diners payment but bank people says all okay with thier end and thats why payment is debitting and its the problem of tata cliq. Any body facing such issues?

    Reply
    1. saurabh

      Happened with me once, after placing your order and once it goes on hold , call the tatacliq customer care number and request them to make the order as normal as you are genuine card holder. They simply changed order status and next day I could see it in processing state. Please ensure you do it before order is cancelled . May call then within an hour of placing order

      Reply
  68. Shrey

    I bought jewelry from tata cliq on akshaytrithi order was accepted but they didnt ship it for more than 2weeks i called up customer care whether they are going to mine it or have in stock after that they shipped it via bluedart and i had it in 2days after that used dcb for transaction

    Reply
  69. Anshul Kothari

    Home Centre near my home is located above lifestyle. I asked them if the billing for a home centre product like furniture can be done in lifestyle – they said ‘yes’.
    I wanted to know if I get the billing done through lifestyle, I should get the points – right?
    Anyone has done something like this and got the points?

    Reply
    1. Anshul

      Home Centre using same POS as Lifestyle. You can swipe at any, you’d get Diners 10X at both. Based on my experience.

      Reply
  70. Rajat

    Please anybody Give me Direct Customer care number for Diners Club Black .Thanks.

    Reply
  71. vyom aggarwal aggarwal

    Hello guys
    Those who have a jetprivilege account can earn jp miles on their TATA CLIQ and BIGBASKET purchases in addition to usual 10 x points. You just have to us shop.jetprivilege.com website to redirect to either tata cliq or big basket, or install JP scout extension for chrome browser..
    Please note that this would not work for amazon or flipkart thrugh smartbuy.

    Reply
  72. Rakesh

    Hi All,
    Anyone faced problems with 9x points credit this time for Smartbuy FK transactions ?

    Reply
  73. Anoop

    Hi,
    I’ve been using HDFC Jet world card for a while now and planning to change the card, but my spends are not much in the diners 10x merchants. I would prefer to redeem points for flight tickets.
    Should I continue with the Jet World or switch to DCB or Club miles.? Will DCB/Club miles provide a better option/redemption rate for redeeming points for flight tickets as compared to Jet world.?
    Thanks..

    Reply
  74. Satish Kumar Agarwal

    Anoop

    Better upgrade to Jet Diners club cc for highest points as well as tier upgrades, if you are eligible.
    DCB is good even if u spend via smartbuy only and not on 10X merchants. Smartbuy covers most of flipkart n amazon.

    Reply
  75. Prashant Gupta

    recently lots of points have been posted on my diners black. looks like the cycles are getting fine now. I got points for November, December, January, Feb makemytrip points and the spend campaign in Noc-dec – it is capped to 10K points got that. The point balance swelled up like anything in just 10 days :-). The direct customer care number for diners black really help in terms of inquiring for what points are credited.

    Reply
  76. KRISHNAKUMAR

    Facing problem since yesterday for making payment on Flipkart. Getting payzapp error- Payment Failure. The transaction is not going through. Did anyone else face the issue?

    Reply
  77. Apoorva

    Any idea how can i Get my regalia upgraded to DCB? I have been holding it as LTF for last 2 years with line of 3lakhs+.

    Reply
    1. Prashant Gupta

      U need atleast 5l limit or itr of more than Rs21l.

      Reply
    2. Vinod Kannan

      @Apoorva,
      Same here. Trying to upgrade my Regalia card to DCB for the past 2 years without success. Finally im giving up on chasing DCB. The Last time i lashed out @HDFCBank_cares on Twitter, they asked me to mail the documents. After 4 days they informed me that they cannot upgrade me to DCB and that they are happy to Upgrade my Regalia card to Diners Clubmiles card. I don’t know why they consider Clubmiles card as an upgrade. The upgrade process with HDFC Bank is very unpredictable. If u are lucky, u may get the DCB Upgrade option in netbanking.

      Reply
      1. Prashant Gupta

        If you meet the criteria then no one can stop you. Its simple existing limit of Rs5l on regalia or ITR of more then Rs21l.

        Reply
  78. Satish Kumar Agarwal

    Apoorva

    Maintain high balance in ur HDFC savings ac. Have good relationship with BM n RM and talk to them regarding the upgrade. They will guide you.

    Reply
  79. Rohit

    Noticed the domestic lounges list has been removed from diners club website. Has the number of lounges been updated / reduced?

    Reply
  80. Rahul

    Hi, I have a query on flipkart via smartbuy. If I buy flipkart gift card after going through smartbuy, do I get 10x points? I want to gift someone 20k worth of gift cards and if I can get 10x points, that will be best thing possible.

    I went through the comments and saw someone asking if gift card purchases are eligible, but didn’t see a response hence asking. Pls help.

    Reply
  81. Kunal

    Hey,

    I hold an Infinia MasterCard, and usually book flights/hotels through Smartbuy to avail of the 10X RP. I was not very concerned about keeping a tab of the 10X points earlier, but reading a few experiences here and online, I thought of checking it. So recently, I called for the reward points statements for the last 8 months from HDFC Infinia Desk. Initially, they refused stating that they do not maintain these records, which was a silly reply to provide, and they did it twice. It’s when I threatened to escalate that they sent me monthly reward points statements.

    While checking the statements, I realised that for most of the months, HDFC has sent me records just for 20-22 days in each month. For example, if the statement will start from 14 March, it ends on 3 April, and then the next statement would again start on 14 April. So basically, most of the statements are missing a good chunk of the dates, which is very strange, since I have transactions on the missing dates. I have written about this to them, and expecting that I will have to wait for 2 rounds of emails and a threat to escalate before I will get the correct reply. But has it happened here with anyone else?

    Thanks.

    Reply
    1. Vyom Aggarwal

      I hold a DCB and I have never had to fight for flight booking transactions through smart buy. I have always got the points one day after statement. Though I always have to escalate Amazon and flipkart smart buy transactions to get the points

      Reply
  82. nikhil parasrampuria

    I am planning to buy OnePlus 6 using Diners Premium, will I be eligible for 10x rewards. (The phone is exclusively available on amazon). And the amazon account need to be also registered under the same number as the order number

    Reply
  83. Amit

    Do we get 10x to compare n buy as well as gst benefit on Amazon business if I use my Amazon business account. Need to buy laptop for my company and need a hat compliant invoice with our gst number

    Reply
    1. Prashant Gupta

      I dont know about gst benefit but anything purchased from compare and buy is eligile for 10x. I have also purchased recently from amazon. I did the same last year when tatacliq was not direct merchant and got the 10x points.

      Reply
  84. pawan

    Hi Abhishek!
    Any way to get 10x on utlity bills payment?

    Reply
    1. Abhishek Roy Post author

      No luck on this mate. Your best bet will be SBI Prime card, which will give you 5% flat

      Reply
      1. Arjun

        Even amex is giving 5% on utility bills , 750 per card ,however they are giving i on add on cards too.I just got the mail today.

        Reply
          1. Ebin Johnson

            AMEX considers LIC payments too…

          2. Arjun

            yes true, i just added this information for the benefit of amex users as well

        1. Ashwin

          I’ve both SBI Prime and Amex and use for utility payments. In Amex there are limitations:
          1. Capped upto Rs 750 per account per month.
          2. Only for 6 months (as per the T&C)
          3. Limited partners. SBI has more utility partners

          Amex has the advantage:
          1. Immediately credit of the cashback as statement credit
          2. No need to call for rewards redemption and spend Rs 118/redemption like SBI Prime

          If you have a lot of utility payments it is a no brainer to have SBI Prime. 5% uncapped cashback and spend based waiver of annual fee.

          Reply
          1. Ebin Johnson

            Another offer from AMEX is

            Get 10% cashback up to Rs. 1000
            at any of our partners mentioned below:

            Amazon India | Flipkart | Myntra | Jabong | Grofers
            BookMyShow | Uber | Ola | Swiggy
            OFFER IS VALID TILL JUNE 15, 2018.

            You need to enroll. Supplementary card is treated as separate card

  85. Vyom Aggarwal

    Reward points for smartbuy and international transactions for the month of may have been credited for both of my DCB cards..

    Reply
  86. GS

    Has anyone figured out the use of coupon codes while redeeming hotel stays when redeeming via dcb points. I had assumed that Cleartrip coupons would have worked on the diners club redemption site since they use the Cleartrip backend.

    Reply
    1. Suresh

      i checked with diners concierge sometime back. We cannot use cleartrip coupons and they are not very clear about the coupon code usage in diners website.

      Reply
  87. Prasenjit

    Under Global Value program, when do you receive 2K Yatra voucher? Completed 1.5L spends last month. Statement too is generated. But yet to receive the voucher. For the people who received it so far, when did you receive the same once you reach that mark?

    Reply
    1. PRIYESH

      You need to contact cc, I received mine within a week after contacting cc.

      Reply
  88. aka

    Hi ,
    Is it possible to buy forex through any website/app and pay in foreign currency through card ?
    Would really help if there is a way

    Reply
    1. Abhishek Roy Post author

      No, while in India, it’s not possible.

      Reply
    2. Kiran

      Hi,

      You can buy foreign currency / forex Card through credit / debit card from Thomas Cook website.

      Card needs to be in travellers name and have to give them KYC they ask for.

      But they would be slightly higher on exchange rates.

      Cheers,
      Kiran

      Reply
      1. PS

        Uber Eats doesn’t support any credit cards. Only Paytm and cash as of now.

        Reply
    1. Amar

      In my case at least, UberEats don’t accept card payments. Only Paytm and Cash.
      Is it different for you?

      Reply
  89. Tuhin Subhra Chatterjee

    Hellow all card experts,
    I did’t use credit card before, I am new to credit card world, i got lots of tips from this site, thanks for that.
    i have booked diners club mile from my fathers account and it got approved.
    Bank try to give Regalia but i choosed Miles.
    I have few question….

    What is Air miles?
    convert Reward Point to air mile is beneficial?
    how to use Airmiles? (please make a youtube video if possible )
    if i convert 1000Rp to indigo air mile, can i use those air mile to book vistara flight?
    1RP=50paisa or 1AirMile [ but 1AirMile = rs.1.25 ] in this way 1RP=rs1.25 for diners club miles

    which card is good between diners club premium and miles?
    premium eligibility = 60k salary
    miles eligibility = 30k salary
    it seems mile is bit better for 1RP=1AirMile, where for premium 1RP=0.5AirMile

    Reply
  90. Vyom Aggarwal

    While initially the smart buy 10x date was extended to 30 September, it has been reduced to 30 June now…

    Reply
      1. Suresh

        smartbuy shows 10th june and hdfc diners shows 30th september.

        Reply
    1. Balpreet Singh

      Vyom,,

      smartbuy 10x offer now June 30, I still see that sept 30 on their website. Have you got any mailers?

      Reply
      1. Vyom Aggarwal

        When you click on terms and conditions on diner website, it redirects you to smart buy which shows 30 june

        Reply
  91. Manish M

    Hi Abhisekh

    I am a user of HDFC Diners Club Rewards Card for last 3 years. While my renewal / re issuance/expiry of card is around 2 months away. HDFC has offered me to upgrade to Diners Club Premium. After checking all websites and cards, I asked them to upgrade me to Diners Black or Regalia which they denied. Instead offered me Diners Club Miles or Regalia First as option.
    What do you suggest, should I opt for MIles/Regalia First as they are not my first choice or take what they initially offered i.e. Diners Club Premium? I get regular calls from HSBC , Kotak and Amex for card I am regularly denying them. My limit is 1.5L with Rewards, I am not sure what will be the increase in my limit..

    Reply
    1. Abhishek Roy Post author

      Wait till you reach around a limit of 3.5- 4 lakh before applying for black. Regalia first can be taken too.

      Reply
  92. Anshul Kothari

    The 10X Reward Points programme is extended till 30th September 2018 for the below merchants

    Uber, BigBasket, BookMyShow, Swiggy, Tatcliq.com, Zomato and redBus.

    Zomato transactions from 1 July 2018 are eligible for 10X.

    Lifestyle is not on 10X programme from 1st July 2018.

    Reply
  93. Balpreet Singh

    With the latest list updates Partners to enjoy 10X points are slowly coming down / geting updated by those where you wont be able to gather a lot of points…

    While normal point 5 per 150 is good on DCB, 10X was a great deal.. Lets see how long this keeps going.. Whats the feel among others on this topic?

    Reply
  94. HTC Fan

    10x merchants on DCB are dying a slow death. It will be interesting to see apart from tatacliq where else anyone can reach the monthly threshold of 25k points.

    Reply
  95. Prashant Gupta

    Everything is covered from groceries to clothes to electronics to travel……Lifestyle was a good addition as it was physical merchant.

    Reply
  96. rupesh

    Lifestyle will comeback.. It has happened earlier also..

    Reply
  97. Anil Singh Bhati

    10X on international spend extended upto 30th September

    Reply
  98. Ashish Nikhare

    Received the “Double the Joy. 2X RP for you” offer today in my email. Spend threshold 1.45 lacs from 1June to 31 July 2018.

    #targeted

    Reply
    1. Prashant Gupta

      I havent received it. Will easily qualify already don 2l.

      Reply
  99. Captain Bishuddha Bharatiya

    Ashish which card you hold ?
    How much limit you have ?
    What is your average monthly spends ?

    Reply
    1. Ashish Nikhare

      6 mths old Clubmiles. 2.5 L limit, avg monthly spends of 1-1.25 L. POS of 50K + 20K Smartpay (total 6) + 30 K Smartbuy + Rest on 10X partners, no international. Thanks for asking !

      Reply
  100. Akil

    Hi, I own a Regalia card with a credit limit is Rs.7,50,000 and I hold the card from 2012. I requested for DCB but my RM says I’m not eligible as I don’t meet the ITR requirement.
    Let me know how to get the DCB?
    Thanks

    Reply
    1. Abhishek Roy Post author

      Send the upgrade for directly to Chennai office with the ITR.

      Reply
  101. Pawan

    Abhishek one more query.
    If i buy something using smartbuy page via tata cliq.
    Bonus points would be counted from smartbuy limit or normal limit?
    I want to use smartbuy limit leaving aside partners limit for other spending.
    Is this the right way?

    Reply
    1. Abhishek Roy Post author

      That, the HDFC customer care can tell. In all probabilities, it’ll be credited from normal 10X partners.

      Reply
  102. Siddhant.

    I’ve spent 75K using diners black card on international transactions for the month of july. I’m expecting that to account for 10X rewards and be credited in 90 days. Now, can I also get 10X rewards if I purchase from smartbuy as I have already reached the cap of 75K a month for 10X points.

    Reply
    1. Abhishek Roy Post author

      Yes. Smart buy and International and 10 X normal partners are all mutually exclusive. So you will still qualify.

      Reply
  103. Yash

    I have been tracking my points and they are not getting posted even after 90days their seems to be some issue with their server and the points are not reflecting in my account even for 4 month old transactions other people also posted the same problem there should be some system in place where we can keep a track of 10x points exclusively because we are earning them but not getting them especially for smartbuy transactions

    Reply
    1. Prashant Gupta

      You have to track yourself and and if in doubt call the customer care and ask about the points.

      Reply

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