HDFC Diners Club 10X Rewards got Bigger but with Limits

By | May 2, 2017

Here comes the biggest news from HDFC bank for those who’s minting money with the most lucrative Diners Club 10X Rewards Programme which helps to save upto 33% with Diners Cards with no upper limit (in past) on partner brands. While i entered pretty late to the game, i could see HDFC understood the potential loss and finally have put a cap on the amount of reward points you can earn in a particular statement cycle. However, the number is good enough for Diners Black variant.

HDFC Diners club 10x rewards on 10 Brands

HDFC Diners club 10x rewards on 10 Brands

New Brands on Diners Club 10X Rewards Programme:

They’ve added more partners to the 10X rewards programme thereby making it sound BIG, but not actually that big. While some brands got removed, like, clear-trip, new brands like lifestyle, Myntra, Uber, Makemytrip are new to the list. Here’s the full list that’s going to be active until March 2017 (at-least that’s a good news).

10x rewards partners

Diners 10x rewards partners

Apart from these changes, there are also new rules like,

  1. No incremental points for loading Wallets
  2. No incremental points for Uber (paid via Paytm wallet)
  3. Points will be posted in next statement cycle. E.g. if an eligible transaction (except for Lifestyle) is done on 9th September, 2016 and statement date is 15th of every month, the 10x reward points will reflect in the statement dated 15th October, 2016. In case of Lifestyle, this will reflect by the statement dated 15th December, 2016.

This is BAD. Finally they’ve made it too long to wait for the points. This is dangerous as no one knows when then gonna devalue the cards, point value etc like they did for allmiles and moneyback recently. While they have the ability to make us spend more and finally devalue the card as usual, i believe they wont do it with Diners cards as the primary value of Diners cards is that it rewards travelers.

Note: I still see Clear-trip site says the 10x promo validity is upto Dec 2016. Not sure if that still holds true. Maybe HDFC doesn’t want to mention the brands that are not active until March 2017, or maybe they’ll add more in future, or maybe “10x rewards on 10 partners” tagline sounds good for them 😀

The Future of 10X Rewards on Diners Cards

Though the Diners cards acceptance issues in India still exists, the lucrative 10X rewards programme is a surefire way to increase the penetration of Diners Club credit cards in India. They’re also increasing the acceptance level gradually online and also offline as mentioned in my recent post – Diners and Discover Cards now Accepted on Axis Bank Swipe Machines which all makes clear that Diners club is moving in right direction to compete with Visa & Mastercard in India.

Will they Extend this 10X rewards for one more year?

I firmly believe 10X rewards will continue to be there with Diners cards as that’s the major reason for anyone to hold Diners Card, else simply we can switch to Regalia/Infinia. While we maynot know how long this gonna last, i’m pretty sure it’ll be there until 2017 year end.

But 2018 maybe a game changer as everyone will start availing this card for 10X offer, in meantime the acceptance will also grow to a level of Visa/mastercard and then it becomes like any other card. They’ll then stop the 10X (or) maybe make it 5X like Visa cards and obviously devalue it and play all those games that they’re currently doing with Regalia.

Apart from this, we may also expect a shuffle in the partners list. Lets see what HDFC Diners has for us this Financial year 🙂


  • Nov 2016: Makemytrip issues 10X points even if you don’t use HDFC5X coupon code.
  • April 2017: 10X rewards extended until April 30th 2017
  • May 2017: 10X rewards further extended until October 30th 2017. Partners shuffled, new limits added. Check out all the changes

What do you think the future has for Diners Cards and its 10X promotions? Feel free to share your comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

76 thoughts on “HDFC Diners Club 10X Rewards got Bigger but with Limits

  1. Sayan

    So on a Diners premium card the max spends can be 37500 INR to get the 10000 points limit. I fail to understand the Uber thing. Uber payment shows 2 options – cash & paytm. So if the 10X rewards are not applicable on loading paytm through diners then how is uber a partner here?

    1. Siddharth Post author

      There is an option to add a credit card in Uber apart from those 2 options. You have to use this to avail the offer i believe.

      1. naresh sharma

        hai sidharth
        i am using hdfc jet privedge titanium card i paid all my lic through smart pay(with out any extra fee)
        if i upgrade with dinner club reward any extra fee applicable for lic pament

  2. Sri

    Terrible news !
    Got the black variant yesterday and this news today :(.
    More partners and march 2017 commitment is good though.
    50K points per statement cycle on Black isn’t too bad still !

    1. Sri

      Wondering also whats the scene on snapdeal SIddharth?
      Any idea?

      1. Siddharth Post author

        Looks like Snapdeal is removed from the list, likely coz ppl are getting lots vouchers there 😉
        Lets see, they might add anytime as they’ve set the upper cap of earning points.

  3. Rohit

    I am not able to use diners club card on Big basket….are any one of you facing the same issue….I checked with big basket and they said diners club card usage is still not available..

    1. Girish

      It is available, actually they are having two payment portals. Payu money doesnt accept diners card but citrus payment gateway accepts. I faced the same issue. You come back from the payment page once if it shows payumoney portal then if you’ll make payment again it should show citrus gateway. In my case it did. If it doesnt work then try for 2,3 times.

  4. Abhay

    For redeeming the points the only way to do it is to generate vouchers and then purchase something? Lets say i want to buy a ticket or pay the bill. I habe to genrate vouchers first?

  5. Abhishek Jain

    Till now i was using the card in the business and was getting almost 1 lakh points in return due to 10x points offer. But now does this mean that even if i do a transaction of 1 lakh i will not get 20000 points which i was previously getting? I am diners rewards card holder

  6. Raj

    Hi I have a dinners premium card. I spent 40 k in flip kart and goibibo but I received 4800 points instead of 10000 points . Kindly guide me

  7. Prateek Bansal

    Air miles conversion has been devalued. Its 0.70 mile per Reward point now. 🙁

  8. Rohit Kant

    Hi Siddharth, needed your help on deciding between HDFC Regalia and Diners Club card. Which one is better? I see that Diners is a more premium card but Regalia sounds good too.

      1. Rohit Kant

        It’s the Diners club premium variant vs individual regalia.
        Regalia gives taj inner circle access but 10 free lounge visits via priority pass as per my info(not sure though). Diners has unlimited lounge access probably. This is the main sticking point.

  9. Prateek

    I have a diners rewardz. How to upgrade to a diners premium and successively to Black?

  10. Annk

    I have a HDFC diners club premium card, can I apply and hold HDFC Regalia card as well (along with diners)?

  11. Prashant

    Appreciates all the insights on credit cards! Great work 🙂

    Do you know if 10X works across lifestyle brands? (like homecenter)
    If not, any ideas on how to get this info?

    1. Siddharth Post author

      Am unsure about it Prashant.
      Just check if they’re using similar swipe machine setup which will answer.

  12. Mayank Agarwal

    It is learnt that hdfc is going to upgrade diners reward card to all miles card in December. Whether we should accept or not?


    Hi siddharth,

    I have diners rewardz card. The diners club site says maximum points allowed for a month is 2500 on Rewardz card. But for my last month, i got 2500 + points. Not sure whether the 2500 point/month limit is in place or not.


    1. Siddharth Post author

      That’s a Million Dollar question 😀
      From past records, i could say that they “WILL” extend the 10X or atleast 5X partners. (they may leave a gap)
      Though, partners might get shuffled.

      1. Abhay

        I pray. That they should. Some partners like flipkart,myntra should remain. And no, not 5x, we want 10 x ;☺

  14. sush


    Would like to know i have used mmt code hdfc5x while buyint tickets , am i elegible for 10x points or 5x points?
    and if 5x why they are claiming to use this code on there website.

    1. Siddharth Post author

      No one knows why HDFC wants us to use this code, but i got 10X points without using it and many others claim to have received as well 🙂

  15. Parag

    Hey Sid,
    I got my Diners Black card!
    Do you know if the 10x reward is available on gift cards purchased on Flipkart? It should work right? I was thinking that I’ll buy a gift card now using Diners Black and use it later when I want to buy something.

  16. VS

    Bigbasket customer care says Diners club is not supported at BigBasket . Bigbasket website always shows error ‘enter valid card number’. Anybody able to use the diners card this week at BB?

  17. Gagan

    Same here… I tried using today Diners card on Bigbasket (BB) and while it was accepted at BB page but the moment went to CitrusPay page there was error “the card is not supported by merchant”. BB Customer Care said over email that they don’t support Diners card.

    After seeing Siddharth’s comment that it worked for him, I tried using Diners Card again for fresh order and whoa it worked this time.

    PS : The payment gateway was Citrus both times.. Something is wrong here for sure 🙁

    1. Siddharth Post author

      Happens. Diners is not properly implemented by most Payment gateways.

  18. Abhay

    Any update if they are extending the date from 31st march for 10x?

  19. Rahul

    Hey Sid, great post. Just want to know from your experience that if in case HDFC decides to devalue points value after 31st march, do they allow some time to use as per existing? I have made some 1lac worth purchase on Fk in this cycle, and incremental (9x) points will only get credited to my acc on 20th April. But what if the value of these points has been devalued by then?

    1. Siddharth Post author

      Yes, you’ll get time, but its very unlikely to happen in near future.

  20. thomas

    hi is there any way we can top up jio prepaid using diners points

    1. Siddharth Post author

      They will.
      Maybe after sometime, maybe with different partners, maybe after some gap. But they will, atleast 5x, if we’re unlucky.

  21. Saurabh

    10x offer got extended on BookMyShow till 30th April 17! Maybe valid for other partners too!

    1. Sayandeep Mitra

      Hey Saurabh,

      Great news indeed. Do you know if the offer has extended to MakeMyTrip or GoIbibo?

  22. Sunny

    Any update if you have Got regarding 10x points programme? Will I earn if I purchase anything today on flipkart or book through makemytrip??? As the program expired on 31st March and today is 1st April.

    Please update.

    1. Mohak

      They have updated on the website that the offer is extended to 30th April 2017.

  23. Nikhil Goel

    Smart pay is not showing on the 10x page. Can anyone confirm if it has been removed from the offer?
    Also If removed is there any offer on smart pay?

  24. Sayandeep Mitra

    Hey Sid,
    The dinersclub website shows that the 10X reward points is extended till 30th April 2017, but the goibibo page shows that the offer expired on 31st March, 2017. Do you know if we are still receiving 10X reward points from MakeMyTrip or GoIbibo?

    1. Siddharth Post author

      If HDFC site says, it has to work, merchants maybe lazy in updating. 🙂

  25. Malavkumar Patel

    Any idea about SMART PAY 10X offer? Is it still on on discontinued? Where can i see the offer details on your website and HDFC Website?

      1. Aashish

        But in the bottom of the monthly statement mail it is still there. Are you sure its being removed ?

  26. Anish

    Hi Sid,

    I have experienced “routing error” whenever I use my DinersPremium via SBI swipe machines. Any specific problem here?

    1. Siddharth Post author

      Diners doesn’t work on SBI machines as most readers reported.

  27. Tarun

    Any update on the 10X reward points post April 30 ?

  28. Sulabh Gupta

    Date of 10x offer extended to 30th Oct 2017. Some partners removed and new ones added. Max reward points per month reduced to 25k for Diners black.

    SmartBuy (prev. MakeMyTrip & Goibibo)
    Amazon (prev. Flipkart & Myntra)

  29. Aditya

    Program extended till 30th Oct 2017. New partners added, most notably Amazon and Swiggy!

  30. Amogh

    I think the new 10X progrm partner list is out . Valid until 30th October 2017. New inclusions: Amazon , smartbuy included. Exclusions – makemytrip (!!!), goibibo, Myntra. While the program still seems to be very rewarding for shopping (smartbuy, amazon, lifestyle, luxehues) and domestic travel/commute (smartbuy, redbus, uber), I am not sure if international air ticket booking and hotels will still be as attractive due to exclusion of makemytrip! For me, makemytrip was the biggest source of reward points. What is your assessment of the new partner list? How will you get around the potential problem with exclusion of MMT? Do you think they may be planning to slowly de-value the program?

    1. Siddharth Post author

      Ofcourse, its going to be devalued more in coming days 🙁
      For flights, smartbuy would do, sad part is hotel booking!

  31. Vineet verma

    Hey Sid,
    Again the offer is extended till 31 July. But as I see now, if I check priveleges section on HDfc diners site, all old partners are there. Buy if I check smartbuy offer on site main page, I see smartbuy , Amazon and swiggy added. Through smartbuy, we can go to flipkart and avail 10x offer.
    So are they offering 10x on both Amazon n flipkart??

    Other change I see, for rewardz card maximum point accumulated has been reduced to 2000.

    1. Aditya

      For SmartBuy, only select few purchase categories are eligible (Flipkart is not one of them). Check the T&Cs.

  32. Gaurav

    TnC again changed. Now it is valid till 31 July 2017.

  33. nishan

    i load money into paytm/oxygen wallet through my hdfc diners rewards credit card so i eligible for reward point

  34. Varun

    I hold HDFC Diners Black and I track reward points for my each and every transaction. I have observed that from 25th Aug they are giving only 3% rewards for all the transactions and not 3.3% as published.
    I spent 1000 Rs and I got 30 reward points for it and this is not the only transaction for which i have observed this. All transactions post 25th Aug are giving 3%. Has anyone else observed this?


    Can someone have hdfc credit card at the age of 20?
    Already having axis credit card with 1 lac of credit limit.


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