MyFinCards
Diners Club Premium Credit Card

Joining Fee

₹2,500

Annual Fee

Rs. 2500 (Reversed on annual spends of Rs. 3 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
HDFC Bank
Rewards
Travel
Lifestyle
Best For: Frequent international travelers, Rewards enthusiasts, Frequent flyers on Jet Airways, Air India, or Singapore Airlines

Diners Club Premium Credit Card

Rewards Structure

Base Reward Rate

2.67% on spends

Point Value

1 Point = ₹0.5

Earning Cap

₹50,000 /statement_cycle

Pros

  • Low foreign currency markup of just 2%
  • Generous insurance covers including ₹1 crore accidental air death cover
  • Air mile conversion on multiple airlines
  • 24x7 concierge service
  • Renewal fee waiver on spending ₹3 lakh annually

Cons

  • Sourcing of this card has been stopped; no new applications accepted
  • Reward points capped at 50,000 per statement cycle

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward points capped at 50,000 per statement cycle

Cash advance fee of 2.5% (minimum ₹500)

Interest rate of 3.6% per month on outstanding amounts

Key Benefits & Features

Convert reward points to air miles on Jet Airways, Air India, Singapore Airlines (1 point = 0.50 air mile).

Eligibility Criteria

0

Occupation

SALARIEDSELF_EMPLOYEDRETIRED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card
Official Terms & Conditions

About Diners Club Premium Credit Card

The HDFC Bank Diners Club Premium Credit Card is a premium lifestyle and travel card designed for discerning individuals who seek exceptional rewards, exclusive privileges, and comprehensive travel benefits. Though new sourcing for this card has been discontinued, existing cardholders continue to enjoy its full suite of benefits. The card comes with a joining and annual fee of Rs. 2,500, with a renewal fee waiver available for those who spend Rs. 3 lakh or more in a year. Cardholders earn 2,500 bonus reward points upon activation and accumulate 4 reward points for every Rs. 150 spent. These points can be redeemed on SmartBuy for flight and hotel bookings, converted to air miles on Jet Airways, Air India, and Singapore Airlines at a rate of 0.50 miles per point, or exchanged for products, vouchers, and cashback. The card also offers a low 2% foreign currency markup, making it an attractive companion for international travel. Beyond rewards, the card delivers strong lifestyle and protection benefits, including 24x7 concierge services for travel reservations, an accidental air death cover of Rs. 1 crore, emergency overseas hospitalisation coverage up to Rs. 25 lakh, baggage delay or loss insurance up to Rs. 50,000, and a credit liability cover of up to Rs. 9 lakh. Card management is further simplified through the MyCards mobile platform.

Expert Review

Our Verdict

Premium Diners card with 4X rewards, air mile conversion, travel insurance & concierge at ₹2,500 annual fee.

Frequently Asked QuestionsAbout Diners Club Premium Credit Card

OTHERWhat is a Diners Club Premium Credit Card?
The HDFC Bank Diners Club Premium Credit Card is a premium offering that provides exceptional rewards, benefits, and privileges, catering to the discerning needs of individuals. It comes with features like reward points on every spend, low foreign currency markup, comprehensive insurance covers, and a 24x7 concierge service. Please note that sourcing of this card has been stopped and no new applications are being accepted. Existing customers will continue to enjoy all card benefits.
OTHERWhat is the credit limit on the Diners Club Premium Credit Card?
The credit limit on the HDFC Bank Diners Club Premium Credit Card is determined based on various factors, including your income, credit history, and HDFC Bank's internal policies. There is no fixed or pre-defined credit limit applicable to all cardholders. For queries related to your specific credit limit, you can contact HDFC Bank customer care or log in to NetBanking or the MyCards platform for details.
APPLICATIONHow can I apply for the Diners Club Premium Credit Card?
HDFC Bank is currently not accepting new applications for the Diners Club Premium Credit Card, as sourcing of this card has been stopped. However, you can explore a wide range of other credit cards offered by HDFC Bank that may suit your needs, such as the Regalia Gold, Tata Neu, or IndianOil HDFC Bank Credit Cards. Visit the HDFC Bank website to view all available options and apply for the right card.
FEESWhat are the joining and annual fees for the Diners Club Premium Credit Card?
The joining fee and renewal (annual) membership fee for the HDFC Bank Diners Club Premium Credit Card is ₹2,500 plus applicable taxes. However, the renewal fee is waived if you spend ₹3 lakh or more in a year before your renewal date. This makes the card effectively free for moderate-to-high spenders. Please note that GST and other applicable taxes will be charged over and above the stated fees.
FEESHow can I get the annual fee waived on the Diners Club Premium Credit Card?
The annual renewal fee of ₹2,500 on the Diners Club Premium Credit Card can be waived if you spend ₹3 lakh or more in a year before your card's renewal date. This spend-based waiver makes it easy for regular users to enjoy the card's premium benefits at no annual cost. Ensure your total eligible spends reach this threshold within the card anniversary year to qualify for the fee waiver.
REWARDSHow do reward points work on the Diners Club Premium Credit Card?
With the HDFC Bank Diners Club Premium Credit Card, you earn 4 Reward Points for every ₹150 spent. Additionally, you receive 2,500 bonus Reward Points upon card activation. Reward points are capped at 50,000 points per statement cycle. Points can be redeemed on SmartBuy for flight and hotel bookings (1 point = ₹0.50), converted to AirMiles (1 point = 0.50 AirMile), redeemed for products/vouchers (up to ₹0.35 per point), or as cashback (up to ₹0.20 per point).
USAGEHow can I redeem my Diners Club Premium Credit Card reward points?
You can redeem your Diners Club Premium Credit Card reward points through SmartBuy or NetBanking. Redemption options include: flight and hotel bookings on SmartBuy (1 point = ₹0.50, redeem up to 70% of booking value), AirMiles conversion (1 point = 0.50 AirMile on Jet Airways, Air India, and Singapore Airlines), product catalogue and vouchers (up to ₹0.35 per point), and cashback (up to ₹0.20 per point). The balance for bookings must be paid by credit card.
BENEFITSWhat insurance benefits does the Diners Club Premium Credit Card offer?
The HDFC Bank Diners Club Premium Credit Card comes with comprehensive insurance benefits including: an accidental air death cover worth ₹1 crore, emergency overseas hospitalisation cover of up to ₹25 lakh, travel insurance cover of up to ₹50,000 for baggage delay or loss, and a credit liability cover of up to ₹9 lakh. These covers provide significant financial protection for cardholders, especially during travel, making it a strong choice for frequent flyers.
BENEFITSWhat are the lifestyle and travel benefits of the Diners Club Premium Credit Card?
The Diners Club Premium Credit Card offers a range of lifestyle and travel benefits including a 24x7 concierge service for travel reservations, reachable at 1800 209 4006 (Toll Free). Cardholders can also convert reward points to air miles on Jet Airways, Air India, and Singapore Airlines at a rate of 1 reward point = 0.50 air mile. The card also features a low foreign currency markup of just 2%, making it a great companion for international travel.
INTERNATIONALWhat is the foreign currency markup on the Diners Club Premium Credit Card?
The HDFC Bank Diners Club Premium Credit Card offers one of the lowest foreign currency transaction markups at just 2%. This means when you use your card for international transactions or purchases in foreign currencies, only a 2% markup fee is applied over the base exchange rate. This makes the card highly cost-effective for international travellers and those who frequently make purchases from overseas merchants or websites.
FEESWhat are the cash advance charges on the Diners Club Premium Credit Card?
If you withdraw cash using your Diners Club Premium Credit Card, a cash advance fee of 2.5% of the withdrawal amount is charged, with a minimum fee of ₹500. Additionally, interest is charged at 3.6% per month on any outstanding amounts that remain unpaid past the due date. It is advisable to avoid cash withdrawals on your credit card to prevent high interest and fee charges from accumulating on your account.
REWARDSWhat is the reward points cap on the Diners Club Premium Credit Card?
Reward points earned on the HDFC Bank Diners Club Premium Credit Card are capped at 50,000 points per statement cycle. This means regardless of how much you spend in a given billing cycle, the maximum reward points you can accumulate is 50,000. High spenders should keep this cap in mind when planning their card usage. The cap applies to regular spends; the 2,500 bonus points on card activation are separate from this limit.
USAGEHow can I manage my Diners Club Premium Credit Card on the go?
You can manage your Diners Club Premium Credit Card using MyCards, a mobile-based service platform by HDFC Bank. Through MyCards, you can activate your card, set your PIN, manage card controls (such as online spends and contactless transactions), view transactions, download e-statements, check and redeem reward points, and block or re-issue your card. You can also apply for and manage add-on cards. MyCards requires no password or app download and works as a unified platform for credit cards, debit cards, FASTag, and consumer durable loans.
APPLICATIONIs the Diners Club Premium Credit Card still available for new applicants?
No, the HDFC Bank Diners Club Premium Credit Card is no longer available for new applicants. HDFC Bank has stopped sourcing this card, meaning no new applications are being accepted. However, existing cardholders will continue to enjoy all the card's benefits and features without any disruption. If you are looking for a new premium credit card, HDFC Bank offers several alternatives such as the Regalia Gold Credit Card or other premium cards available on their website.
REWARDSOn which airlines can I convert my Diners Club Premium Credit Card reward points to air miles?
The HDFC Bank Diners Club Premium Credit Card allows you to convert your reward points into air miles on three airlines: Jet Airways, Air India, and Singapore Airlines. The conversion rate is 1 reward point = 0.50 air mile. This air mile conversion facility makes the card particularly attractive for frequent flyers who prefer to accumulate miles with these airlines and redeem them for flight upgrades or free tickets through respective airline loyalty programmes.

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