Jun 19
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HDFC Diners Club Rewardz Credit Card
HDFC Bank offers the Diners Club Rewards credit card with delightful benefits. Cardholders can enjoy exclusive privileges including access to lounges all over the world and concierge service available 24×7. The card comes with travel benefits, reward points, annual fee waivers and more.
Benefits of HDFC Diners Club Rewards
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- Welcome BenefitGet 1,000 reward points credited to your card upon joining. The points will be credited once the membership fee is paid.
- Renewal BenefitGet another 1,000 reward points when you renew your membership of the HDFC Diners Club Rewards credit card.
- Annual Fee WaiverWithin the first three months of the card issue, spend Rs.15,000 and get the first year’s annual fee reimbursed. If you spend Rs.1 lakh in 12 months, you can get the renewal fee waived for the next year.
- Reward PointsEarn rewards every time you shop with your credit card. You can later redeem the points collected for air tickets, hotel stays, air miles or anything from the redemption catalog.
- Travel benefitsEnjoy access to leading lounges around the globe with the Exclusive Lounge Program. You can access over 25 lounges in India alone.
- 24/7 Concierge ServiceGet a number of services with your own concierge available around the clock. Make use of the following services provided on your HDFC Diners Club Rewards credit card:
- Car Rental and Limousine Referral and Assistance
- Hotel Referral and Reservation Assistance
- Golf Course Referral and Reservation Assistance
- Dining Referral and Reservation Assistance
- Flower and Gift Delivery Assistance
- Courier Service Assistance
- Business Services
To avail any of these services simply call on the toll-free number provided by the bank. For calls made within India, there are no charges applicable. If you are making an international call, then carrier charges will apply.
Key Features of HDFC Diners Club Rewards
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- Supplementary card Get 3 add-on cards free of charge for a lifetime and share the benefits of your credit card with your immediate family members.
- Interest-free period You can avail credit periods of up to 50 days from the date of the transaction when you swipe your credit card.
- Cash advance Get cash when you need it the most for up to 40% of your credit limit. Cash advances come with a hefty interest rate so use it wisely.
- Revolving credit The minimum due payment required on your credit card is 5% of the total bill subject to a minimum of Rs.200. You can choose you to revolve the rest of your bill over a few months. You will be charged interest for this service.
- Petrol Surcharge waiverPay for fuel with your credit card and get the petrol surcharge waived for up to Rs.500 per billing cycle.
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HDFC Diners Club Rewards Card Rewards
Earn reward points every time you spend on your HDFC Diners Club Rewards credit card. You can later redeem these points for exciting gifts air miles, flight tickets and hotel stays.
Earn points
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- Spend on the HDFC Bank Diners Club website and get 6 reward points for every Rs.150 charged to your credit card.
- Spend on retail and get 2 reward points for every Rs.150 charged to your credit card.
- Double your reward points when you spend on groceries, dining and at supermarkets.
- Get double the reward points when you spend on airline tickets.
- Bill more than Rs.10,000 in one statement cycle and get double the reward points.
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Redeem Points
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- Points that you accumulate can be used on a host of options.
- Log on to the HDFC Bank Diners Club website and redeem the points to book flight tickets or stays at hotels with over 150 partner airlines and hotels. 1 reward point is valued at Rs.0.75.
- Convert your reward points to air miles. Customers can convert points to JPMiles on Jet Airways, KrisFlyer Miles on Singapore Airlines and Air India Miles on Air India. Every reward point is valued at 0.70 paisa.
- Customers can also redeem their points to get products listed in the redemption catalogue.
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Fees and Charges:
| Details | Charges |
| Annual Fee | Rs.1,000 plus tax |
| Renewal Fee | Rs.1,000 plus tax |
| Charges on cash advance | 2.5% on the amount withdrawn, subject to a minimum of Rs.300. |
| Interest on revolving credit | Initial rate of interest is fixed at 3.40% per month or 40.8% annually. Based on spends, repayment and utilization, this can be changed periodically. Maximum interest rate chargeable even in the event of default is 3.5% per month or 42% per year. |
| Duplicate card | Rs.100 |
| Overlimit charges | 2.5% of amount spent over credit limit subject to a minimum of Rs.450 |
| Cash processing | Rs.100 for all credit card bills paid with cash at bank branches or ATMs |
| Payment return | 2% of the payment amount returned subject to a minimum of Rs.450. |
| Balance Transfer Fee | 2% of the amount transferred subject to a minimum of Rs.250. |
| Outstation cheque | For cheques up to Rs.5,000 value, Rs.25 is charged. For cheques above Rs.5,000, Rs. 50 is charged. |
| Foreign currency transactions | 3.0% markup |
| Railway ticket surcharge | Rs.30 + 2.5% of the transaction amount. For transactions carried out through the HDFC payment gateway, a fee of 1.8% + service tax is applicable. For all other bank gateways, the rate is as per the IRCTC website. |
Late payment fees
| Statement Balance | Fees |
| Less than Rs.100 | Nil |
| Rs.100 – Rs. 500 | Rs.100 |
| Rs.501 – Rs.5,000 | Rs.400 |
| Rs.5,001 to Rs.10,000 | Rs.500 |
| Rs.10,001 to Rs.20,000 | Rs.700 |
| Rs.20,001 and above | Rs.700 |
How do I make payments on my credit card?
You can make payments via the following methods –
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- HDFC bank account holders can use net banking, ATMs or phone banking.
- Non HDFC bank customers can place standing instructions to transfer money automatically from their bank account.
- NEFT is available using the IFSC code HDFC0000128.
- VISA money transfer.
- Bill desk facility is available for cardmembers who do not have a HDFC account to pay through other bank accounts.
- Cheque or draft drawn on HDFC Bank Card Number xxxx xxxx xxxx xxxx.
- Cash payments at bank branch.
