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.

154 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
  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
  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
  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.

  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
  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
  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
  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
  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
  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. 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
  43. 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
  44. 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
  45. Captain Bishuddha Bharatiya

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

    Reply
  46. 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

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