With a wide range of credit cards to choose from, HDFC Bank offers something for everyone. A popular offering is the HDFC Diners Club range of credit cards, which come with unique benefits and privileges. In this article, we will take a look at the key features of the HDFC Diners Club Credit Cards and what each of them offers.
Whether you’re looking for rewards points, global access, or special deals, chances are there’s a Diners Club card that suits your needs. By detailing the fees, benefits and eligibility criteria of these cards, this article aims to help readers understand the HDFC Diners Club range and decide if one is right for their financial needs and lifestyle. The information provided can serve as a guide for consumers who are looking for the list of HDFC credit card offerings.
A look at HDFC Diners Club:
HDFC Diners Club is a series of credit cards offered by HDFC Bank in partnership with Diners Club International. Here are some of the key points about the HDFC Diners Club Card:
- Diners Club is one of the world’s oldest and most prestigious credit card brands, known for its global acceptance.
- HDFC Bank has partnered with Diners Club International to offer Diners Club branded credit cards to its customers in India.
- The key benefits offered by HDFC Diners Club card include dining privileges, golf course access, buy 1 get 1 free movie tickets, lounge access etc.
- HDFC Diners Club Card is accepted at merchant outlets displaying the Diners Club logo globally. It offers wider international usage than regular credit cards.
- HDFC Diners Club cards offer higher credit limits than regular credit cards. However, their joining and annual fees are also high.
- The main target audience of these cards is affluent consumers, frequent international travelers and people looking for premium rewards and benefits.
HDFC Diners Club cards offer premium benefits, wide global acceptance and high credit limits for those willing to pay higher fees. The prestige associated with the Diners Club brand is a major attraction.
All HDFC Diners Club Credit Cards:
Till recently HDFC used to provide six credit cards of Diners Club International Variant which are as follows –
- HDFC Diners Club Black Credit Card
- HDFC Diners Club Privilege Credit Card
- HDFC Diners Club Miles Credit Card
- HDFC Diners Club Premium Credit Card
- HDFC Diners Club Millennia Credit Card
- HDFC Diners Club Rewardz Credit Card
- Diners Club Black Metal Credit Card
But recently HDFC Bank has launched an updated version of Diners Club Black Credit Card in Metal Edition. Just as HDFC Bank had launched Infinia credit card in Metal Edition, in the same way an updated version of this Diners Club Black credit card has been launched – Diners Club Black Metal Credit Card.
Therefore, now a total of 7 credit cards have been launched with Diners Club of HDFC Bank, which we will discuss below one by one.
HDFC Diners Club Black Credit Card:
Joining/Renewal Fee:
- Rs. 10,000 + taxes
- Fee waived if Rs. 5 lakhs spend in 12 months
Eligibility Criteria:
- Salaried: Age 21-60 years, Monthly income >Rs 1.75 lakhs
- Self-employed: Age 21-65 years, ITR >Rs 21 lakhs
Benefits:
- 50 days interest free credit
- Credit liability cover of Rs. 9 lakhs
- 2% foreign currency markup
- 24/7 concierge service
- Complimentary memberships on Rs 8 lakhs spend
- Rs 2 crore air accident cover
- Rs 50 lakhs overseas hospitalization cover
- Baggage delay cover of Rs 55,000
Lounge Access:
- Unlimited airport lounge access for primary and add-on members to 1000+ lounges worldwide
Rewards:
- 5 reward points per Rs 150 spend
- 10X rewards points on SmartBuy
- 6 free golf games per quarter
- 25% off dining via Swiggy Dine Out
Exclusive Offers:
- Airport fast track access
- Dining offers
- Discounted luxury spas
- SME benefits
Best For:
This credit card is best suited for affluent individuals with high annual spend and frequent international travel. Lounge access, golf privileges and travel insurance make it ideal for luxury travelers. Dining and shopping rewards also attract people with expensive tastes. Fees may be prohibitive for anyone who does not meet the income criteria or is unable to maximize rewards. Overall, this is a premium card for high net worth individuals who can avail exclusive benefits and features.
HDFC Diners Club Privilege Credit Card:
Joining/Renewal Fee:
- Rs. 2,500 + taxes
- Fee waived on Rs. 3 lakhs annual spend
Eligibility Criteria:
- Salaried: Age 21-60 years, Monthly income >Rs 70,000
- Self-employed: Age 21-65 years, ITR >Rs 8.4 lakhs
Benefits:
- 50 days interest free credit
- Credit liability cover of Rs. 9 lakhs
- 2% foreign currency markup
- 2 complimentary lounge accesses per quarter
Welcome Benefits:
- Free Swiggy One and Times Prime on Rs. 75,000 spend
Rewards:
- 4 reward points per Rs. 150 spend
- 5X points on Swiggy & Zomato
- 10X points on SmartBuy
- 20 points on Swiggy & Zomato (capped at 2,500)
Milestone Benefit:
- Vouchers worth Rs. 1,500 on Rs. 1.5 lakhs quarterly spend
Insurance:
- Rs. 1 crore air accidental cover
- Rs. 25 lakhs overseas hospitalization cover
- Rs. 50,000 baggage delay cover
Exclusive Offers:
- Airport fast track access
- Dining offers
- Discounted luxury spas
- SME benefits
Best For:
HDFC Diners Club Privilege Credit Card is suitable for individuals with moderate income and expenses who occasionally travel internationally. The lounge access, rewards rate, and milestone benefits make it a good daily spend card. Fees are relatively low and eligibility for discounts is within reach. Overall, this is a worthwhile mid-tier card for those looking for airport lounge access and simple rewards redemptions.
HDFC Diners Club Miles Credit Card:
Joining/Renewal Fee:
- Rs. 1,000 + taxes
- Fee waived on Rs. 1 lakh annual spend
Eligibility Criteria:
- Salaried: Age 21-60 years, Monthly income >Rs 30,000
- Self-employed: Age 21-65 years, ITR >Rs 3.6 lakhs
Benefits:
- 6 complimentary airport lounge accesses per year
- Concierge service for travel needs
Dining:
- 15% off at select restaurants
- 1,400+ global dining offers
Rewards:
- 4 reward points per Rs. 150 spend
- 1 mile per reward point
- 50,000 point cap per statement cycle
Insurance:
- Rs. 1 crore air accident cover
- Rs. 25 lakhs overseas medical cover
- Rs. 9 lakhs credit liability cover
- Rs. 50,000 baggage delay cover
Best For: The HDFC Diners Club Miles Credit Card is a good option for travelers who dine out regularly. Lounge access, global dining offerings and the ability to pay for flights/hotels make it worthwhile for jet-setters on a budget. The annual fee is relatively low and easy to waive. Overall, this is an affordable travel rewards card for moderate-income individuals who want some premium benefits without high fees
HDFC Diners Club Premium Credit Card:
Joining/Renewal Fee:
- Rs. 2,500 + taxes
- Fee waived on Rs. 3 lakhs annual spend
Eligibility Criteria:
- Salaried: Age 21-60 years, Monthly income > Rs 60,000
- Self-employed: Age 21-65 years, ITR > Rs 7.2 lakhs
Welcome Benefits:
- 2,500 reward points on joining
- 2,500 reward points on renewal
Benefits:
- 6 complimentary lounge accesses
- 24×7 concierge service
- 2% foreign currency markup
Rewards:
- 4 points per Rs. 150 spend
Insurance Coverage:
- Rs. 1 crore air accident cover
- Rs. 25 lakhs overseas medical cover
- Rs. 50,000 baggage delay/loss cover
- Rs. 9 lakhs credit liability cover
Best For:
The HDFC Diners Club Premium Credit Card is a mid-range offering for moderate spenders who travel occasionally. The lounge access benefits and concierge service make it worthwhile for those wanting a taste of premium travel benefits. The fee is relatively affordable and can be waived with moderate spending. Overall, this is a solid travel rewards card for middle-income individuals and infrequent travelers.
HDFC Diners Club Millennia Credit Card:
Joining/Renewal Fee:
- Rs. 1,000 + taxes
- Fee waived on Rs. 1 lakh annual spend
Eligibility Criteria:
- Salaried: Age 21-40 years, Monthly income >Rs 35,000
- Self-employed: Age 21-40 years, ITR >Rs 6 lakhs
Benefits:
- 50 days interest free credit period
- 8 complimentary airport lounge accesses per year
- Zero lost card liability
Rewards:
- 1,000 welcome bonus points
- Gift vouchers on Rs. 1 lakh quarterly spends
- 1% cashback on most spends
- 5% cashback on select brands
Other Perks:
- 20% off dining via Dine Out
- Exclusive dining privileges
- 1% fuel surcharge waiver
Best For:
HDFC Bank keeps this card named Millennia in all its card segments like HDFC Millennia Debit Card, HDFC Millennia VISA Credit Card and now here HDFC Diners Club Millennia Credit Card.
HDFC Diners Club Millennia Credit Card is suitable for young professionals who appreciate cashback rewards. Quarterly voucher rewards incentivize high spenders. Lounge access and discounts on dining add value for frequent travelers and foodies. The fees are relatively low and easy to waive. Overall, this is a rewarding card for high spenders who maximize cashback earnings. The age limit makes it ideal as a first credit card for those starting their careers.
HDFC Diners Club Rewardz Credit Card:
Joining/Renewal Fee:
- Rs. 1,000 + taxes
- Fee waived on Rs. 1 lakh annual spend
Eligibility Criteria:
- Salaried: Age 21-60 years, Monthly income > Rs 30,000
- Self-employed: Age 21-65 years, ITR > Rs 3.6 lakhs
Welcome Benefits:
- 1,000 welcome points
- 1,000 renewal points
Rewards:
- 3 points per Rs. 150 spend
- Up to 5% cashback via SmartBuy
Benefits:
- 24×7 concierge service
- 3% foreign currency markup
Best For:
The HDFC Diners Club Rewards Credit Card is suitable for low-income individuals who want basic rewards for daily spending. Without any flashy benefits, it offers a simple cashback structure and concierge service for basic needs. The annual fee is low and can be easily waived. Overall, this is an entry-level card that focuses on cashback rewards and foreign transactions for occasional travelers on a budget.
HDFC Diners Club Black Metal Credit Card:
Joining/Renewal Fee:
- Rs. 10,000 + taxes
- Fee waived on Rs. 8 lakhs annual spend
Eligibility Criteria:
- Salaried: Age 21-60 years, Monthly income > Rs 1.75 lakhs
- Self-employed: Age 21-65 years, ITR > Rs 21 lakhs
Benefits:
- Metal card
- 50 days interest free credit
- Rs. 9 lakhs credit liability cover
- 2% foreign currency markup
- Global concierge service
- Unlimited airport lounge access
Rewards:
- 5 points per Rs. 150 spend
- 10X points via SmartBuy
- 2X points on weekend dining
Welcome Offer:
- Free memberships on Rs. 1.5 lakhs spend
Milestone Benefit:
- 10,000 bonus points on Rs. 4 lakhs quarterly spend
Insurance:
- Rs. 2 crore air accident cover
- Rs. 50 lakhs overseas hospitalization cover
- Rs. 55,000 baggage delay cover
Exclusive Offers:
- Airport fast track access
- Dining offers
- Discounted luxury spas
- SME benefits
Best For:
Diners Club Black Metal Credit Card is a major priority for high net worth individuals who frequently travel internationally. The metal card design, unlimited Florida reach and golf privileges cater specifically to adventurous travelers. It is best suited for big spenders who can offer high fee utility and earn rewards and exclusive benefits. Overall, this is an aspirational card for book authors who want to take advantage of special features.