Latest Version is here: October 2018 Update
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.
- Before you make the transaction, disable all ad-blockers or tracking blockers on your web browsers.
- 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.
- 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.
- 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.
- Diners Rewardz Card: 6%
- Diners Premium Card / Diners Club Miles: 13%
- Diners Black Card: 33%
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.
Thanks for such quick update.
You’re welcome.
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
You’ll get both. Both are mutually exclusive
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?
No other way.
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.
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.
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
Yes, Diners has limited acceptability
I booked on Klook through paypal. Try to make payments internationally through paypal of diners is not accepted directly.
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.
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 ?
Yes, it will be counted towards global value as well as 10X.
i don’t think paypal accepts dinner card .. i could only see American express master and one more but definelty not dinner …
Diners is accepted by PayPal. It will be treated as a Discover card.
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.
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.
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.
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 !
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
Yes
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?
I confirmed with the customer care. They still told billing cycle.
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
Is amazon included in Smartbuy? I dont see it anywhere.
If you see in compare and buy, you’ll find amazon.
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
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.
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
Glad you’re around Ankur. I was expecting your reply to him 🙂
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?
Siddharth 🙂
Jeet yes by setting smartpay, the card is fee
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
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?
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.
I just got my Infinia today. Have been using DCB for a while and no other relationship with the bank.
Heavy user on DCB and good ITR + strong push at the branch level worked for me.
did u get upgraded to infinia from dcb or did u get it as 2nd card?
2nd card
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%.
Don’t worry about conversion rate. Thry haven’t deducted the points. Enjoy.
It will get adjusted with new rates. Happened with me also when upgraded my card.
Yup, my points got adjusted based on the conversion rate. 😑
Should have redeemed as soon as I upgraded. 😂
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
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.
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.
Hi Vinod,
Please let me know if you get the upgrade by that method.
Hope to hear from you soon.
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
They have changed the conversion ratio. Now with upgrade from Clubmiles to Diners you get 100% points.
still showing 50% conversion rate (from premium to club miles) to me. just now i am checking the same.
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.?
Yes. You are eligible.
But DCB is not acceptable at REDBUS .
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.
it doesnt accept in website … you enter all details and otp after that it rejects the DCB.
Okay. I haven’t made the transaction. Will see if I make. Will let you know then.
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.
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.
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.
Are there unlimited domestic lounge visit on diners premium ?
No. changed.
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
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.
You can get your regalia converted to diners all miles
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.
It seems smartbuy 10X offer valid on EMI transactions effective 1st April 2018. You may check and update.
Yes. Updated the article accordingly. Thanks.
Can we hold two cards from hdfc,
As one is normal hdfc & other dinner club,
It’s very difficult to get 2 cards.
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.
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.
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.
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.
Hello Siddharth/Abhishek Roy,
Continue this great work, Still can we use the unlimited lounge access in Addon Card in Diners Black?
Thanks.
In domestic sector- Yes.
thanks, bro for the quick reply, Means in India we can use unlimited in Add-on and In International, we cant use the addon?
yes
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?
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.
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?
You can transfer Amex MR points to SPG.
” 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
Always take the screenshot through print screen ie with native screenshot grabber.
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 !
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.
Even I don’t see HDFC logo. Can you please provide screenshot of your purchase whenever you do?
I can’t post the screenshot due to privacy reasons but I assure you, the screenshots that I take have smartbuy + flipkart logo.
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.
I might add that the other phone i need to order is available at amazon/ samsung e store !
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?
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.
have you got the points now?
I am still not getting time to track these now 🙁 Will let the forum know if I find out.
Did you get any points from Compare and buy additional items? 90 days is up since your transaction date, waiting for your answer.
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?
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.
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….!!
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?
Okay that’s a new info. Didn’t know about this. Let’s see if we ever reach that CL or not.
I have a friend who has Regalia with 14,250,00 limit on his card. He has been using HDFC Cards from 2006.
That’s insanely high. 🙂
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
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 ?
5L in SBI Prime
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 ?
I have a DCB with a 15L limit. I have had the card for a year – started with 8L and after two credit upgrade requests, I am at 15L now.
I’ll be really surprised if it’s actually true. Giving 8L CL directly is very rare. Even if they give, two CL enhancement within a year? That too 15L? I have serious reservations against such claims. I might be wrong though. If it’s true then congrats.
I have no reason to lie here, just sharing information so that it can help others. My Imperia RM convinced the Chennai head office to approve an Infinia too, but they had to split my limit between the 2 cards with a recommendation to have the Infinia at a higher limit. So, I now have my Infinia at 10L and DCB at 5L. My wife recently got her own DCB with a limit of 5L.
I won’t go into specifics about our incomes, but it is fairly high and we use HDFC as our primary bank.
Great. I never said that you are lying. I was really taken aback to know that you have 15 lakh CL on a single card. Usually HDFC doesn’t provide more than 8lakh on a credit card. But it skipped my mind that they really issue a very high credit limit for Infinia. My bad. Congratulations. And wish you loads of points and perks. 🙂 Enjoy. Do contribute for the readers about your experiences in the comments.
Did you provide income document for limit enhancement from 8L to 15L for DCB? or it was auto limit enhancement without ITR?
And did you also have to provide income documents for Infinia or they simply split your limit and gave you INFINIA?
Since you mentioned “I have serious reservations against such claims”, I figured you were insinuating that I was not being truthful. Anyway, water under the bridge – I just want to provide data points here so that others can also work with their RM’s to get the best deal possible.
I did provide copies of my payslips for my initial application for DCB (a year back with a starting limit of 8L) and the following 2 increases were done through my RM (without any additional documentation). My Infinia card is very recent and yes, I did provide copies of my recent payslips as part of the application process. My RM did indicate that he and his manager had to go through multiple levels of approvals to get a 2nd premium credit card issued (Infinia in addition to DCB). They split the 15L limit between the 2 cards (10L on Infinia and 5L on DCB).
Thanks. Did you get any of the cards LTF? I have an Infinia but would like to have DCB as well issued in my name. It would be good if I push for DCB life time free.
Actually, I am not sure if they are LTF or 1st year fee waived due to smartpay and meeting the spending requirements for the card.
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.
That’s very sad to know. Btw, is this happening even after 10L+ spends a year on card?
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.
That’s real pathetic! And finally, are you holding the ac in a branch with 100’s or 1000’s of other Imperia customers?
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….!!
Alright. Wish you gook luck for auto upgrade option to be enabled!
Infinia has a reward rate similar to Diners Black. HDFC is losing more money on DCB than on Infinia.
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 ?
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.
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.
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.
The thing is, and if you think about it, a typical AMEX Centurion customer won’t really care about acceptance that much. The places where a Centurion card holder is expected to and typically spend their money are luxury hotel chains or high-end / exclusive stores or premium cabin flight tickets or places of that nature. And in my experience, such places almost always do accept AMEX.
Just my 2 cents.
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/
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
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!!
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.
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 ?
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.
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
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.
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.
Yes, they need 3yrs ITR for self employed to take such exceptions.
Hmmm.. I don’t thinks so the theory is 100% correct (may be 99.9% correct :D) Actually, I had Regalia with CL around 4-5L since a couple of yrs (I use to get calls for CL increase but wanted to keep my liability low so never increased it.) When I checked with my RM for CC upgrade, she said I am already at max, infinia is out of my sal range. So I gave up. But then I saw in one of the recent limit enhancement offer mail they were offering CL of 8.3L so I did it. Not exactly too much about 8L but definitely 8L auto enhancement barrier was broken. (I am HDFC CC custom since 2004)
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.
Sorry but after checking benefits of YFE , is there anything which is found better than DCB.
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?
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.
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!!
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?
All you need is a HDFC Preferred (or atleast classic ac) with 6 months txns. Then you can apply without any docs.
Thanks Siddharth. Will this work on a joint account too with homemaker as the first holder?
I’m not sure about it.
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..
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?
If you buy flipkart gift cards through smartbuy , is that eligible for 10x ?
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.
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.
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.
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?
Yes
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.
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?
Yes.
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
If both lounges are run by same company, that could happen, that too in rare case as each lounge will have different merchant ID.
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
Infinia – Long term relationship
DCB – Short term fun, due to 10X 🙂
@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.
Diners acceptance is now almost onpar with SBI on board. Dont know about Citi Pos machines accepting Diners.
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.
OMG, U could have got Infinia and then asked for Diners Black by Splitting ur limit right?
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)
Did the HDFC guys ask for ITR based infinia upgrade or they were simply going to upgrade you without ITR?
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.
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.
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.
for me also the points addition seems to be missing
Yes, smartbuy seems to be made on par with 10x benefits coming in 90 days rather than just next statement cycle
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
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.
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.
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
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.
Can’t be done.
If there is an option, use PayPal and on PayPal use DCB
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
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.
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
Any one?
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.
Earlier you said , EMI transactions also qualify for 10X points , right?
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.
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)
Yes, you will get both the offers.
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
For domestic use, Diners is Good. But for foreign travel, you need a back up card (VISA or MasterCard)
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?
It will have same card Number and CVV
I have an add-on DCB card on my primary card. Card number, expiry and CVV are same for both cards.
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?
Very punctual. Plus minus 1-2 days max. Otherwise everything fine.
According to hdfc mail. We should get points on rent pay. I used it last month.
Yes, I do. You earn just the normal points, not 10x.
Can answer one query , add on card has same card number as primary
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).
Abhishek bro, is it true because writing to customer care is hassle and it takes 1 month to resolve a query.
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.
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.
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.
Damn I did not know that. Thank you.
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
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.
Mr. Malavkumar we are waiting for your valuable comments on area of expenses .
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.
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
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).
@ 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.
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
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?
@akash, the add on card will have the same number as primary card holders.
10x program extended from april to june.
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
Update: 10X on partners extended to June 30th 2018.
Domino’s removed, Treebo Hotels added
10X extended till June 2018. Dominos removed and Treebo added.
Confimred on their website that 10x program extended to 30th june.
Treebo is a new entry to the program….
Enjoy for some more months
Update:
Program extended till 30th June
Dominos out, Treebo Hotels in
10x reward points extended till 30th June, 2018.
Our Affiliated Brands
Treebo Hotels
Tata CLiQ
Lifestyle
BigBasket
Uber
BookMyshow
Swiggy
Redbus
@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.
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 ?
Sorry! Currently away from both consultation & blog.
10x program Extended to 30 June.
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?
—
There is no other way than escalating with HDFC.
Yea, that’s what finally worked..
what is escalating process?
Escalating means you have to contact the higher authorities.
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.
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.
Update – Partner brand 10X offer extended till 30th June 2018
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.
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.
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
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 !!
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.
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?
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
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
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?
Home Centre using same POS as Lifestyle. You can swipe at any, you’d get Diners 10X at both. Based on my experience.
Please anybody Give me Direct Customer care number for Diners Club Black .Thanks.
See the back of the card
OK THANKS!!
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.
Hi All,
Anyone faced problems with 9x points credit this time for Smartbuy FK transactions ?
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..
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.
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.
whats the direct customer care no for diners black?
See the back of your card.
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?
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+.
U need atleast 5l limit or itr of more than Rs21l.
@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.
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.
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.
Noticed the domestic lounges list has been removed from diners club website. Has the number of lounges been updated / reduced?
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.
Confirmed…no 10x points on gift cards via smart buy
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.
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
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
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
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.
Hi Amit, Could you confirm if you got the 10x on purchases through your business account?
Hi Abhishek!
Any way to get 10x on utlity bills payment?
No luck on this mate. Your best bet will be SBI Prime card, which will give you 5% flat
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.
There is no capping on SBI Prime.
AMEX considers LIC payments too…
yes true, i just added this information for the benefit of amex users as well
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.
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
Reward points for smartbuy and international transactions for the month of may have been credited for both of my DCB cards..
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.
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.
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?
You need to contact cc, I received mine within a week after contacting cc.
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
No, while in India, it’s not possible.
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
Do i get 10x on uber eats also…anyone tried.
You should get.
Uber Eats doesn’t support any credit cards. Only Paytm and cash as of now.
In my case at least, UberEats don’t accept card payments. Only Paytm and Cash.
Is it different for you?
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
While initially the smart buy 10x date was extended to 30 September, it has been reduced to 30 June now…
smartbuy still shows 10x till 30 september.
smartbuy shows 10th june and hdfc diners shows 30th september.
Still seeing at as 30th Sep on the hdfc diners website
Vyom,,
smartbuy 10x offer now June 30, I still see that sept 30 on their website. Have you got any mailers?
When you click on terms and conditions on diner website, it redirects you to smart buy which shows 30 june
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..
Wait till you reach around a limit of 3.5- 4 lakh before applying for black. Regalia first can be taken too.
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.
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?
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.
Everything is covered from groceries to clothes to electronics to travel……Lifestyle was a good addition as it was physical merchant.
Lifestyle will comeback.. It has happened earlier also..
10X on international spend extended upto 30th September
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
I havent received it. Will easily qualify already don 2l.
Ashish which card you hold ?
How much limit you have ?
What is your average monthly spends ?
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 !
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
Send the upgrade for directly to Chennai office with the ITR.
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?
That, the HDFC customer care can tell. In all probabilities, it’ll be credited from normal 10X partners.
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.
Yes. Smart buy and International and 10 X normal partners are all mutually exclusive. So you will still qualify.
Hi Siddhant,
If I am not mistaken, international spends are capped (although not in the same category as smartbuy). You havent specified your diners card, but pls see below:
HDFC Bank Diners Rewardz Card – 2500 points
HDFC Bank Diners ClubMiles / Diners Premium Card – 5,000 points
HDFC Bank Diners Black Card – 10,000 points
For example, even if you have spend 75k on Diners Black, you will get a maximum on RP10,000 (instead of 25,000- which is actual points with 10x if uncapped)
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
You have to track yourself and and if in doubt call the customer care and ask about the points.
Hi,
Currently i have a Diners Club Rewards Card, I own business and the ITR is 6 Lakh in current year.
Can i get a DCB Card. I don’t mind paying 10000 to get card.
Currently i incur expenditure of around 60000 pm on credit card which is paid from company’s current account
Only my ITR is filed at 6 lakh business income is much more.
I am trying to buy GC from smartbuy->flipkart and am getting below error:
“Sorry! Your card is currently not supported for this transaction”
I don’t get this error when I am buying any product other than GC. Please let me know if anyone else is facing similar issue?
I didn’t receive 10XRP for Flipkart gift-cards I bought last month though got 10X RP on the items I purchased. I believe DCB stop giving 10X RP on Flipkart GCs.
did you guys get 10X on FK GC for last month.
Is anyone receiving sms from HDFC regarding using Smartbuy. I received the foll.sms from HDFC “Dear Cardmember, Thankyou for using HDFC Bank Smartbuy with your Credit card ending XXXX on 25 Jul 2018. Bonus RP will be posted in the card within 90 days. TC apply.” I never received such an sms before. Will it be regular or just a chance.
I brought a phone thru smart buy couple of days back, I did not receive any such msg.
I haven’t taken screenshot as well, have to see if they credit the points.
Looks like a new sms service started by hdfc. I received a similar sms as well
Yes I did received that once.
Hey Ashish,
I received that kind of message after making a transaction on Flipkart Smartbuy.
Infact, yesterday I received another SMS saying:
“Dear Customer, Congratulations! Your bonus RP of 0 has been posted on your card ending 3530 for your transactions on HDFC Bank SmartBuy done previous month”
That’s right, it says 0 even when I am supposed to receive something over 10k.
Today morning, I received another SMS saying:
“Dear Customer, Congratulations! Your bonus RP of 14999 has been posted on your card ending XXXX for your transactions on HDFC Bank SmartBuy done previous month”
The updated SMS looks about right. If they have setup this new way of communicating about 10x RP, I think it’s really good. Always wanted this clarity from them.
Yes. They have started this recently. Even I received both the SMS. One thing is not clear. Do they track only Flipkart transactions or any transactions form smart buy. That is something we are yet to find out. Either way, it’s a welcome change.
For those who are tracking monthly RPs form Smartbuy, this sms is a waste, bcoz we already know how much RPs we will get every month end ie. 1,2 or 3 rd of every month (especially for smartbuy transactions). The actual pain is the process of tracking 10X RP from “10X Partners” coz they have a waiting of 90 days. HDFC isnt doing anything for helping track these RPs. We could only make a track of transactions and pray to God (in this case, HDFC) to get those 10X RPs.
I got sms for flight booking as well.
Although I still see irregularities in 10x reward points.
I got for the June flight booking however May flipkart is still pending.
If they are putting this much effort, I believe program will extend again.
Currently each reward point is equal to one rupee. I have accumulated ~80k points. I am worried that do they reduce the conversion rate in future? (e.g., 1RP = 0.5 rupee). Any idea about this?
No ine has any idea….i have more than that and they keep in accumulating…….if u think so then use some…..book tickets or hotels for friends and family….
Let it be downgraded (HDFC is known for it). But atleast the conversion to Miles wont be downgraded ie. 1 RP will always remain = 1 JPMile, Vistara point, Krisflyer mile & BA Avios. And thats enough for any awesome redemptions. Also, expect more redemption partners in future. At present, conversion to miles has the greatest value of all.
Conversion of RPs to miles is a scam. 1 rp is equal to 1 mile but 1 mile is worth something like 0.25 Rs at best.
Can someone help with his/her experience. I don’t have any previous relationship with HDFC Bank. Opened a salary account with them and requested RM for diners black. He said he can help me and I fall in eligibility criteria. Docs submitted and from last one week the status on HDFC site reflecting as “under process”. Question is that how many days they generally take to close the application on either side (issued/rejected)
HDFC again making things tough, there was an offer in January of 10x points for online transactions with max cap of 10000 points from Jan 15 to 31.
As usual points were not credited after 90 days and after multiple follow up they credited 7200 points, when I asked about remaining 2800 points they replied that for the transactions that was done on 31st Jan was not considered as Merchant claimed the amount after 31st.I was shocked to hear that
After multiple follow ups and escalation,today I got the remaining 2800 points
Getting the 10x points from HDFC is an uphill task
I believe there is always an issue with targeted offer,
Because i never had an issue with 10X partners like TATA CLIQ,
I used to have problem getting points from FLIPKART VIA SMARTBUY,
But took Abhishek Roy’s advice and started allowing trackers and cookies in my browser and since then i am getting full points from FLIPKART as well.
Congrats. Happy to help.
Hi Malavkumar,
Can you elaborate on trackers & cookies part? I am also facing issues in getting 10x on flipkart – for some transactions it gets credited on time, not for others. Customer care is quite useless – they give the boilerplate answer – wait for 90 days!
Thanks,
Amit
I usually use Mozilla Firefox, so i will explain how to allow tracker for that,
Menu>Tools>Options>Privacy & Security>Tracking Protection>Keep to “Never”
“Send websites a “Do Not Track” signal that you don’t want to be tracked” should be set to “Only when using Tracking Protection”
This should do the trick.
I also got the points few days back after esclation to nodal officer. Also i have noticed that they not crediting full points as per our calculation there is always a gap of about 30-100 points, but who can argue as long as we are getting points.
Mr. Malavkumar kindly write something about your area of expenses. I am still waiting.
same they need to be more transparent and instantly acknowledge the reward points due most of the people dont get reward points for 10x merchants the same happened with me for lifestyle transactions and afger escalating after almost 4 weeks i got the balance point.what mouli said is very dissapointing and seems cheated because we are charged on the day we make transaction and not when the merchaint ”claims” it indian companys never fail to show misery in some way or the other
Malavkumar can you share details about your area of expenses ?
My spending is diversified, i spend around 1,20,000 on DCB per month,
I usually spend 60,000 to 70,000 per month on 10X partner sites to maximize reward points,
Remaining is spent on restaurants, super markets, international spends, utility payments and insurance payments etc.
For the promotion of 10x points for spends online between 15 to 31 Jan. I was awarded 10000 rps in July. The kicker is that the transaction s I had made were already 10 x transactions and it was written in tnc that 10x transactions don’t qualify. So I actually got 20x points for those transactions
Do we also get 10X points while paying Insurance premiums via SMARTPAY.
Regards,
Vineet
No. Not as of now.
Hi Abhishek,
Any idea if Amazon UK accept HDFC Diners card ? I was trying to order a product on amazon UK and i dont see paypal option.
Vineet
No. Amazon UK doesn’t accept Diners. No PayPal option. You have to pay via a Visa/MasterCard/AMEX
hi,
Do we get 10X benefit for DCB if we book flight tickets in hdfcbankdinersclub.in or is it only in smartbuy.hdfcbank.com?
Also for flipkart has anyone tracked 10X, just by choosing flipkart tab from smartbuy.hdfcbank and choosing “Proceed” alone is sufficient for 10X?
No, You can’t earn 10X points if you book through hdfcbankdinersclub.com, only if booked through smartbuy.hdfcbank.com,
Yes it is sufficient for getting rewardpoints through flipkart, but flipkart points are always hit and miss so prefer 10X partner first if you can.
I have always received the flipkart points on time.
MMT 5X offer has been updated this months and will now have a capping of 15K reward points per calendar month.
Where do you see the cap in 15k points? I can’t see it on either MMT or Smartbuy page.
They have removed the earlier mention of cap completely it seems.
I called customer care and they said so. I also mentioned its not there in terms.
Hi,
I got a mail about 10x points for forex card reload. I will be needing one soon. Wanted to check if anyone here has used this offer. Can someone confirm if
Do Diners cards work for forex reload
Additional charges for loading forex card through credit card
Limit for Max points under this offer (per month or overall)
Reviews if any
Card statement must say Forex, also it should say FCY Fee etc, it works fine and HDFC does give 10X upto 30K INR
Hi,
I have a query, I am trying to book hotel from smartbuy but ‘compare & stay’ is showing booking.com?
Would that qualify for 10x? because at-least on website
it says Yatra, Cleartrip only
Any transaction done through smartbuy qualifies for 10X irrespective or the seller. You will get 10X.
I doubt. The diners link says only yatra, cleartrip and flipkart transactions are eligible for 10X.
Kindly tell me about the criteria for different categories of customers like preferred, imperia etc in hdfc. How they are categorized ?
Are these categories applies to credit card customers also? How to know about my category if i m holding only a credit card (as it is needed while feeling the manual forms).
Hey, Is it beneficial to use Diner Club Premium card for international transactions?
Hi,
Since the last two months (July & August), the 9x points for Tata Cliq transactions are not posted after the statement cycle ends which was the case before. Is it just me OR it is happening for others as well?
I did order something last month from TATA CLIQ and i did get the bonus point two days after the statement was generated.
Ankush when you log in to netbanking of your saving or current ac. look on the extreme top left hand side. The first thing written will be ” NetBanking ” below that will be ” HDFC BANK ” and below that will be either written nothing ( means regular ac. ) or ” Classic ” or ” Preferred ” or ” Imperia “.
Captain i have only credit card relation with hdfc(REGALIA) and in my credit card login it says “Credit Card” below that “HDFC bank”. So i m not sure whether these categories applies to credit card only customers.
HDFC premier banking can not be availed by just credit card holder, you will need to have savings account or current account etc, then there are slabs of NRV, if you have 30L fix deposit or 10L savings account balance then you can be part of their top of the line IMPERIA program.
Ankush than click on ” Account Summary ” . The name of card will indicate whether its HNW card or not. For example mine shows ” EMV VISA HNW REGALIA FIRST INTL “.
In between from how many years you are using HDFC credit card and how much limit you started with and how much limit you have now. Can you share your annual income and your annual spends on this card ?
I think mr patel’s reasoning is correct i need to have to have banking relationship other than cc also as mine it displays only cc name in the account summary.
I started using hdfc cc around 8 yrs back with titanium card i think with limit around 60k. Now i have a limit of around 30% of my annual income. And my spends on this card are on an average 3-4 lacs annually not much.
Did anyone use both DCB primary and add-on card at the same time at Hyderabad domestic lounge.
Used 2 add-on card at Delhi and worked just 2 rs deducted…so you can use it both…
Thats strange and good for you. Were u billed in next 2 statements…
Did add-on cc of DCB work in International lounges ?
Mr. Abhishek Roy I recently got Citibank First Citizen card without ITR with Rs. 75,000 limit . I know you are your spouse holds citibank credit card and hence I am asking you following questions –
1. How long I have to wait for automatic limit enhancement ?
2. My ITR is of 3 lakhs only . Will it be beneficial to send it to them for LE ?
3. How much should I spend every month.
4. Do you have any trick for faster limit enhancement ?
With Citibank, most of the times, they’ll send a auto limit enhancement every 6-12 months. You can send the ITR or pay slips to get limit enhancement every 6 months. But I’ll suggest not to do that. You will slowly be given higher credit. You have to be a bit patient though.
Thanks a lot for your prompt reply .
How much should I spend every month ?
It all depends on how much you can pay back. Spend most on your PRIME if that is the best card you have. Keep this and spend here and there from time to time on Citi
Hey Captain Bishuddha Bharatiya,
Could you please tell us how did you apply for the Citibank First Citizen card? What are all the documents they asked with the application?
Its very easy…..just visit any shopperstop….the citibank guys are there or apply online or ask anyone of us to share the referal link.
Himanshu I will be very happy to answer. Feel free to ask anything.
My city ( Siliguri ) do not have Citibank. One day I was in Kolkata and the first thing I did is that I went to Shopperstop physical Showroom ( South City Mall ). I searched for Citibank credit card agents and I explained them that I will not be in Kolkata during physical verification. He said that out of 10 cases only in 1 case Citibank do physical verification. I was like ” Thank you God “. Than I provided Aadhaar and signed a form and they clicked a picture. Shopperstop loyalty card number is mandatory . Within 10 days the card was delivered.
I love Citibank’s customer care. They sound much more professional than other credit card provider’s customer care.
Prashant do you also have Citibank card ?
I am planning to spend around 50% of credit limit every month. Will it be sufficient to trigger auto LE ?
I have 4 different citi cards between me and my wife. All have very high limits and all are more than 12 year old. The best part with citi is they will send you auto limit increase mails and messages from time to time based on your usage. Spending 50% will surely trigger limit increase.
Hi Abhishek,Sid
I hold 3 diff CC with HDFC , indusind and SBI .
I am out of India from last 4 months and will return next year October.
I have given my CC to my family to keep using whenever possible. I also try to do 1 txn each month online through them.
Do we need to inform banks if we travel out. I will not be a taxed in India this year and next year. And the condition in card says for Indian residents only.
It’s a gray zone. If you inform them then you have to close the card. So keep using it from time to time. There is non need to inform them if you plan to continue holding the card.
Hello Card Experts,
I hold HDFC Regalia and HDFC Diners Premium cards. Both are life time free variant. I requested HDFC to upgrade my Diners Premium to Diners Black. They are ready to provide Diners black , but on condition that HDFC regalia has to be closed, this means now I will be left with one Diners Black card. Additionally they said they cant provide life time free version. First year will be free, after that a fees of 5k per year will be charged. The will be waived of if annual spent is over 5 lacs. Do you guys think its worth to go for upgrade and loose the HDFC regalia and its priority pass benefits. One more question is can add on card members get free lounge access in Diners Black.
If your limit on one of the cards is more than Rs.5l you can ask the bank to have 2 cards, otherwise u can only have ragalia or Diners Black. At present Diners Black is best becuase of 10X rewards and also normal reward rate is better in black. It also has unlimited lounge access worldwide but not for add on card. It is worth upgrading to Black. Its very difficult to get that card in general. In second year you get 5K points also which compensates the fees.
Thanks Prashant, Just to confirm my limit on both Regalia and Diners premium is 3 lac. So in total its 6 lacs. I am more inclined to upgrade the Diners Premium to Diners black and retain the Regalia as well as it give priority pass to add on members. Should I escalate my request for upgrade to Diners black. What are the possibilities. I do hold cards of other banks with limits upto 10 lacs.
Are you sure that add on members dont get international lounge access on Diners black. I have seen few people using it.
Varun call the diners customer care and ask for diners upgrade. Only thing is u need to have a 5L limit in a single card. If not upgrade as for alimit increase and then upgarade. I lounge access on add on is not there however there have been cases where people were not charged.
You are in a dicey situation, to be honest. Like others said, you need to have at least 5 lakh on a single card itself and 3+3 may not work. I had regalia only from HDFC with 8L limit. They allowed me to retain Regalia with 3L limit and gave me DCB with 5L limit. See if you can negotiate something on these lines.
There are still some websites that do not accept/recognise diners card. If they have an HDFC promotion running, the only way you can avail this is by using HDFC issues Mastercard or Visa only. For this very reason, I did not want to give up my regalia when the upgrade was offered to me.
While booking through smart buy, I used to select Yatra as the partner. Now I’m finding that I’m upgraded to Yatra Platinum (similar to MMT black and a bit of MMT double black viz. free cancellation up to Rs.10,000 per year) and I’m receiving Yatra gift vouchers every month. This is an added benefit of booking through smart buy using Yatra, I believe. So far I’ve received 4 vouchers with the value of Rs.500 (2 nos), Rs.1,500 and Rs.2,500. The first voucher of Rs.500 got expired as I didn’t even bother to check the terms and conditions coz I thought there might be some minimum amount of spending required for availing the discount.
Vouchers should be used through Yatra.com for flights, Hotels, Holidays and Buses. There is no cap on the discount amount. T&C for using the voucher is normal except that voucher value will be forfeited for cancellations.
When vouchers(eCASH) are about to expire, you can also buy some coupons i.e. Firstcry, Lenscart.
I didn’t mean ecash. Ecash is different and we earn it for every booking we make through smartbuy with yatra as partner.
I’m mentioning about discount vouchers here (with voucher codes) without any minimum spending restrictions.
Ohh, good to know. I never got them 🙂
Hi, abhishek and prashant, i want to buy busienss class tickit worth 2.5L air india by diners Club black via smartbuy via payzapp then how i track to get 25000 rewards points when i use smartbuy Cleartrip link? I am using Iphone x so using in payzapp then comapare and book on smartbuy? I need urgent reply as i have to book today…thanks in advance…Dr.Hardik Patel
Just go to Smart buy compare and fly from hdfcbank(dot)com and then buy tickets if they show you business class option there.
Do as suggested by Abhishek. The simplest being go to smartbuy website, compare and buy, select the ticket you like and pay. You will get the points next month as per recent history with HDFC.
what are the chances that the DC 10X programme will get extended beyond 30th sep 2018 ? i hold HDFC infinia and was thinking of getting a DC Black by asking to split the credit limit between 2 cards… should i go for it or leave it ?
Yes go for it only if they allow you to retain Infinia. There are very high chances as usual, for the program to get extended.
Hi,
First of all, I would like to thank u and Siddharth for your detailed reviews & experience in credits cards and doing wonderful work on spreading your knowledge for yielding maximum benefits on Credit cards.
I hold YBE as LTF and also have HDFC Regalia card(LTF) with good limit.
I am planning to upgrade my HDFC regalia to DCB, please provide me eligibility for this card and can I earn 10x rewards while using my existing regalia card on Smartbuy website.
Thanks in advance.
Yes u can earn 10X on smartbuy through regalia. If your limit on regalia is more than Rs7L, u can split the limit between DCB and regalia. If only want DCB then a limit above Rs5L would do.
The credit limit on my DCB has been increased to 8.09 L. I sent a limit increase form to channai basis that they increased it. Now:
1. I know i can split the limit to get HDFC regalia and DCB, but my wife already has DCB.
2. What is the limit required to get infinia + DCB combo.
3. I am trying to get my wifes regalia limit to cross 5L. Have shared the limit increase form with HDFC. Should i upgrade her card to DCB and split mine to regalia. But I am more inclined to get infinia.
4. As now my limit is more than 8L, can i get my Yes Prefered upgraded to exclusive. My previous request few weeks back was rejected as automatic upgrade is not available but they increased the limit. How do i approach for upgrade.
Prashant,
Now yes bank has increased the eligibility criteria for YFP and YFE
I referred one of my friends for YFP and his ITR is around 20 Lakhs but still they rejected saying 24L is minimum ITR for YFP itself
Thanks,
Mouli
@abhaishek currently i bought a phone of 24k from flipkart via smartbuy on EMI . how will i get the RPs. 1X point for whole transaction or getting only installment amount point monthly. what about remaining 9X points.
The reward points will be credited as per the EMI each month. You’ll have to talk to the customer care as I don’t take anything on EMI with HDFC Cards.
@Prashant @Mrinal – are you sure you can hold two HDFC credit cards ? I hold an infinia and have been trying hard to get dcb from 12 months. But they simply deny saying I will have to surrender infinia.
Does any one else recently got approved to hold two hdfc cards ?
not sure Ashish , i was asking , need to talk to my RM about that … but is they ask to surrender infinia , i wont surrender infinia
I’m also trying to get the second cardi ie. either regalia or jet signature. Got DC black with 9 lakhs limit. But they deny every time saying they now don’t have that practise.
Do what i did, Transfer all your and family accounts from one branch to another branch and change your RM as well and tell the new RM or BM to do that, This is what worked for me, since my old RM and BM were lazy and did not want to make an effort.
I was holding DCB and recently (May-June) applied for Infinia, by directly meeting BM of other branch,not through my RM. BM pushed my case thoroughly and got the dual card approved. Now holding both Infinia and DCB.
Anyone got this offer so far? Is it a targeted offer or is the mailer/sms communication yet to go out?
offers.smartbuy.hdfcbank.com/offer_details/11792
Tarun
Did you get any communication regarding this offer ?
HDFC has a practise of sending offer emails when the offer period is nearing the end.
Doesn’t look like a targeted offer
Thanks,
Mouli
its under beauty and wellness , not sure whether applicable under all transactions
I did not get any communication but happened to see this in the list of Smartbuy offers. As they normally send offer details a touch too late, I was wondering 🙂
I usually don’t receive offer emails but still receive reward points, I will give an example below,
I woke up one morning and i had 2000 extra reward point in my DCB card so i called the customer care to ask about points and they told me that there was an offer of 2X reward point for insurance transactions under which i got the points, never knew about that.
Checked with CC, they said its for new card and for first 3 months
The funny thing is, My card is two years old, But this is not just one offer,
I also read a comment from one of the Card Expert reader that he got 5x and 10x both points on certain offer,
People usually complain that they are not getting bonus points according to offers and HDFC goofs up,
But i have to say that HDFC goofed up and i got extra points like couple of other readers.
How can it be for first 3 months…when offer duration is sep 2018 and no where it is mentioned for new cards.
@Abhishek Roy:
i have two queries:–
1. currently i bought a phone of 24k from flipkart via smartbuy on EMI (9 month tenure) . how will i get the RPs. 1X point for whole transaction or getting only instalment amount point monthly. what about remaining 9X points.
2. I notice that my 9X points are added to my account on 2nd of every month but only through flipkart booking. even for booking on 30th the 9X points are added on 2nd of next month(just in two days). what about 9X point made on compare and buy from amazon. from last two month (july & august) i made purchasing almost 80-90k (on compare and buy on amazon)but still not getting the remaining 9X points. i am also ensuring almost every time that filling both the mobile and last 4 digit of CC details and direct buying after redirecting from smartbuy to amazon (avoiding pre cart addition of articles). will they add my point in the third month (i.e september).
what about your experience for the same. after how much time you will get the remaining 9X points for the payment for compare and buy via amazon.
You have to chase them to get your points. Regarding installments RPs, you should get points for the charged amount each month
1. Incremental 9x points are not applicable for EMI transactions
2. For flipkart store, compare&Fly, compare&stay transactions through Smartbuy, it will get posted on the 2nd or 3rd of next month as is happening for you. For compare&buy, it will happen after 90 days from the end of that particular calendar month.
And as Abhishek mentioned, keep a note of your 10X transactions and screenshots proofs handy as you do need to follow up with HDFC for certain transactions
Just a correction. SmartBuy 10X points are eligible to be credited even on EMI transactions on flights/hotels/Flipkart Store. EMI 10X not applicable only on Compare and Shop. Enjoy
When do we get the points from 10X partners like Zomato, Big Basket etc ?
From last few months 2 days after statement generation.
interesting offer:
Do minimum 4 transactions each of Rs.100 and above on your HDFC Bank Credit card in a calendar month and be eligible for the below mentioned benefits in the following month:
Accidental Death – Cover for 5 times of your credit limit maximum up to Rs. 50,00,000/-Purchase Protection – Fire & Burglary coverage for the items purchased above Rs. 5000/- using Insured Credit Card of HDFC BANK (Up to 180 days) – Maximum Sum Insured being Rs. 2,00,000/-
Any thoughts on whether the 10x program might extend further from September 2018?
The smart buy has been extended til March 2019. Waiting for 10X partners
Guys, the smartbuy offer is now till 31st March 2019…. Has the 10x partners also been announced?
@abhishek, @sid, I have a diners black (Got 6 months back as second card), regalia is the second one (visa) . One is 5 lakhs credit and other is 3 lakhs CL. I have an ITR of 60L+. Do you think i can upgrade my Regalia to an infinia with my ITR or a monthly takehome of ~3.3?. I then need to other credit card in the whole wide world 🙂
they have stopped issuing 2 cards , ask them specifically if they will allow you to maintain 2 cards , if not , stick to the current holding
I don’t think they have stopped it. They keep telling that whenever they don’t want to issue. When I was applying my RM kept telling me to take Infinia, but I feel till 10x is on, Diners scores much over Infinia.
Another aspect is Infinia will never come lifetime free is what I feel. It’s a harder card to maintain as its a 8 lakh waiver condition. So all and all with Diners black and Infinia, its together around 12 lakhs spend to keep both cards free.
Red giraffe is a life saver when it comes to making waiver condition met
the dumb thing is , i spent twice the amount already 😛 , RMs are a pain , but even they have targets on my head to be met for them to get bonuses… all bank RMs are almost the same now , low knowledge and pushy about the products they want to sell
i will again try pushing for DCB via my RM , lets see what happens , my business expenses are huge , so reaching the 8L criteria is not tough for me
reaching 20L for keeping YFE though is steep , but i pay the annual fee , they anyways give the annual fee amount back in terms of points , only part we actually loose is the GST part
Exactly! Infinia is useless.Diners Club Black is anyday better till 10x points are here.i think the only reason people think its an upgrade because hdfc has kept a higher annual spend limit to infinia.if spend limit it reduced i think people will change their mind and consider dcb as an upgrade instead😂
U need to push it with ur RM and bank. U have an outside chance of getting it.
My RM is a pain to be honest and that too in Imperia. :(. I hate talking to him too.
Have applied for it. Let us see the response. Will update. Does anyone here have both Infinia and diners black?
How quickly do we get a yes or a no for Infinia card? I have a strong feeling that even if they allow 2 cards, they may be wary of issuing 2 super premium cards.
Have a card limits of 6L want to upgrade for diners black is it possible ? it will be life time free ?
what is producer ?
thanks
Yes u can get diners black. Its free for 1st year only.
As Prashant has mentioned below, you can get 1st yr free – but need to discuss with RM. 2nd yr onwards, if annual spend is above 5lakh, no renewal charges.
Does anybody know how long it takes for 10X rewards to show in your account summary?
I made a payment of about 30000 through smartbuy 3 days ago. In my account summary, the points increased by around 950 only. Using a diners black card.
3 months for rest of the points to be credited
Hi all,
Amazon is offering ₹300 cash back for adding ₹3000 in pay balance, that’s an good 10% of value back this can be used for bill payment as well.
Cheers,
Kiran
Loaded. Thanks for the share!
Last week got 10% on Payzapp load too upto Rs.250. Diwali season is getting well started 🙂
Yea true, but I’m waiting eagerly for the Amex Diwali Offer, let’s see what they have this time.
Looking at your blog regularly for the update on the same 😀
Cheers,
Kiran
Hi Sid,
Can you please share the details of this loading specific offer? I could see merchant specific offer/Scan&Pay offer but no loading related offers? Thanks!
Hi Siddharth and abhishek n all, if i want 10X rewards points on flipkart by my diners club Black card then i should click flipkart smartbuy page or from compare and buy via flipkart to get 10X rewards points? Or we can get points both way? I want buy many mobiles so i want urgent answer from members…Dr.Hardik Patel
You can get the point both ways. However it’s recommended to do it dedicated Flipkart website.
Hi Abhishek, thank you for urgent reply…you said dedicated flipkart website means? When i open hdfc smartbuy page on my iphone safari browser, website shows tabs like home, flipkart, compare and fly, compare and stay , compare and shop and delas and offers so do you mean dedicated flipkart website that I should directly click of flipkart tab? I mostly click compare and shop then search the item like iphone then compare and shop then flipkart then add last for digit of card and mobile number then it redirects me to flipkart page and then buy? Please reply me what to do so i cant loose my points? Please reply urgently…thank you so much…Dr.Hardik Patel
Use the direct Flipkart tab. It will take you to a Flipkart website that is there in partnership with SmartBuy. Use that dedicated Flipkart tab.
How do we reconcile reward points?
The statement only shows the summary…
Call centre guys & email support is useless…
This is very informative! Quick q – am looking to get the Diners black card and am eligible;
1. Can one redeem the points as cashback to offset (future) bill amounts? If yes, what is the conversion ratio (Reward points: Rs cashback got)
2. If reward points are used to book airtickets from their site, are the ticket prices similar to those on the actual airlines sites, or do they add random additional charges (thereby offsetting the benefit of the rewards?)
Thanks for any help, since this info is notoriously absent on their official website.
You cannot convert the points to cash. However you can convert them into various vouchers like Croma vouchers. However the conversion ratio is 2:1. If you book flight tickets, conversion ratio is 1:1. So you get more value by redeeming it for flight tickets. The flight tickets are very comparable. So you almost get them at the same cost.
Hi sir,, one doubt. If I book flight tickets in dinersclub website using my dinersclub card, will I get 10x points for that?
No
Hi Abhishek,
I have used my Diners Black Credit Card @ flipkart through HDFC Smartbuy on 11 Oct for Rs. 84,000/- Maximum reward point i will get 25000 in it. My card statement generation date is 11th of every month. As maximum capping is 25000 RP for diners black on smartbuy.
Is it considering Calendar Month Or Statement to Statement date ?
Smartbuy reward points will be credited per calendar month, that means you’ll be receiving on November 2nd.
Diners 10x partner reward points will be credited on next day of bill cycle, but even after a week from date of statement no reward points credited for me. Not sure, whether it’s same for all?
Ankit,
For Smartbuy transaction you will get 10x points based on calendar month only
For other 10x partners its per statement cycle
Thanks,
Mouli
It is considered calender month, So you will get bonus points on 2nd or 3rd november.
You should get the remaining 9X points by 2nd or 3rd Nov for transactions done thru smarybuy.
It’s calendar month, and 10x posting is after 90 days
I got lifestyle 9x points today for tx done in june, july
for getting 25000 point how much I have to pouches on smart-buy ?
is it total 25000 1X + 9X , or 25000 on 9X
Also if I made purchase through add on card it will consider for 10X
9X points are equal to 25000. U can spend 83k for 25000 bonus points.
With raining offers from flipkart and amazon this Diwali, my spend is more than 1.5L. Called up HDFC to check on weather the 25K limit on diners black is for a calendar month or billing cycle. Just to time my purchases right to get the benefits. The representative told me
25K limit – Smart buy purchases – Per Calendar month
25K limit – other merchant purchase – Per billing cycle
10K limit – International spend – per billing cycle
So a total of 25K + 25K + 10 K , i.e. 60K limit on maximum earning potential.
Can anyone conform ?
+ 15k on Electronics & Apparels + 10K on Jewellery 🙂
I did 4 NO COST EMI txns on Flipkart using Smart Buy in October, I have not recieved any extra points for those txn on Nov 1st/2nd so I called up customer care and asked about it.
They are saying 9x points will be credited in the month of where EMI posted , those points will be execluded from that month max limit.
i.e now I will get emi amnt 9x points in nov statement and those gets adjust with 25K limit of NOV .
Because of this I simply could not make use of 25K limit of Smart Buy 🙁
Anyone else faced this issue? If so did you receive 9x points in the month where emi was billed?
Really strange, I would recommend folks to NOT use EMI with SmartBuy There is something really fishing going on .
Yes, I’m also having similar issue. I did my first no cost EMI transaction on flipkart(11th October) and 9x not awarded yet. No separate TnCs related to EMI, now already I have consumed 25K reward points(RP) limit for November on Smartbuy category and based on your response seems like my October EMI transaction won’t fetch any RP.
Finally HDFC Bank’s customer care team is terrible and utter waste of spending time to resolve issue related to missing RP, even after several escalation till top level same template copy/paste messages(from top to bottom). Already raised ~15 compliants with screenshots in last 11 months and only few complaints resolved, still chasing them for ~40K RP for various promos.
You won’t get any RP for EMI transactions. It is mentioned on HDFC diners website.
You shall get 9x point when it is charged in the bill every month.
Do we get 10x points on purchase of gold coins on Tata Cliq?
I think we have to be bit watchful about credit of 10x points. I generally call HDFC once in 2-3 months and enquire about points on big ticket items, 10x spends upwards of 15-20k. Once there were 25k lifestyle points missing, but HDFC credited them later
I would like to get clarification regarding smartbuy.
If I buy a smartphone worth say 50000 pm flipkart through smartbuy, will I be eligible for the 10X reward points.
If so, how and when will the reward points be given?
Yes you’ll be eligible to get 10X points if you buy it from the Flipkart exclusive store on SmartBuy. The points usually are credited just 1-3 days after the calendar month ends. Usually by 3-4th of each month.
Where do you check the points? the way only i know is in the credit card statement which comes once in a month.
If you have HDFC Internet banking access, You can check it under Account Information section, Reward Points – Current
Hi,
Any word on the 10x on international POS transactions getting extended beyond Dec 31st’18?
Its discontinued
I intend buying flight tks worth 2.0 lacs from smartbuy.
Can I split it into two transactions jus to get the advantage of 25K reward points on each ( total 50K)
If We buy phone from Flipkart and get 10X reward points. What will happen to those points which returning Phone. ?
Hi Siddharth,
I need a piece of advice, I have to make payment of around 400-500 USD every month (online Txn).
Taking recommendation from your blog I opened the account in IndusInd (exclusive account) 2 months ago and started using it.
But there was a lot of discussion of Diners Cards on the blog recently.
I came to know about 10X rewards points on international spend which means 13% rewards if we deduct the 3% charge then to its 10% which is a really a handsome reward.
But as Rewards are changing on the Diners club miles, so I should get the Diners to continue using IndusInd Exclusive A/c?
Hi Akash,
10X reward points on international spends in Diners card have been revoked some time back. So international transactions no longer fetch 10X reward points.
If you have super premier cards like Infinia, Diners Black, SC Exclusive Net gain on your international transactions could be around 1 to 2% after mark up fee and considering reward rate, else it’s better to stick to Exclusive Account debit card itself since it saves at least 4% on your forex transactions and there is some reward points.
I am not getting the usual SMS from HDFC after making a transaction on flipkart -the one saying reward points will be credited by so-and-so date. I am not sure whether my transaction was counted for smartbuy or not.
Has anyone else also had similar experience
Me too not getting any sms flipkart SmartBuy transactions.
I to didn’t got SMS for Flipkart purchase made on 15th May 2019 but I got 10X points within 5 days. However about 100 points were missing.
9x posting for April month spending will take 90 days and May month is within 3 days from date of transaction.
@ramesh kumar
Did you confirm this with cust care?
Coz my april 9x point are missing but may are all credited. Ofcourse one cant tell for what transaction we actually got points but still calculation comes like that.
Can we ask cust care about what the recent point were credited for?
No SMS from April, but you’ll get 1x & 9x within 2 and 3 days from date of transaction respectively.
@anshul Seems you are Lucky that you are still getting msges from hdfc regarding reward points,,Yes your transaction is counted for additional 9X reward points that usually takes 3 months as per the hdfc smartbuy website but normally flipkart transaction takes 4-5 working days and they credit additional points🙂