Annual Fee
₹1,000
Rewards/₹100 ⓘ
₹0.60 - ₹5.50
Interest Rate
43.20%
Credit Score
750+
Key Benefits
3 RPs/Rs. 150, 10X partners, concierge, lounge access
Lounge Access
Unlimited Diners Club lounges in India
Eligibility
Min Rs. 30,000/month income, age 21-60, CIBIL 750+
The HDFC Diners Club Rewardz Credit Card is an affordable entry-level rewards card with a reasonable annual fee of Rs. 1,000. While the base reward rate is modest at 0.60%, the 10X partner brand multiplier and SmartBuy cashback options add value. The unlimited Diners Club lounge access in India is a standout feature for this price segment. However, with HDFC Bank discontinuing new applications, existing cardholders may want to consider upgrading to the Diners Club Privilege or Black for significantly better rewards and benefits.
Best For
Budget-conscious travellers who want to earn reward points on everyday spending, access Diners Club lounges, and have a 24x7 concierge at a low annual fee.
Not Ideal For
High spenders looking for premium airport lounge access, insurance coverage, or cashback rewards. The card has low reward rates and limited perks compared to premium alternatives.
visits
Unlimited access to 1,000+ Diners Club lounges in India for primary and add-on card members. Access via Diners Club network.
All Spends
Shopping
Online
Redeem your Diners Reward Points for cashback, travel, and more
SmartBuy Flights/Hotels
Redeem up to 70% of booking value. 1 RP = Rs. 0.30
Singapore Airlines KrisFlyer
1 Reward Point = 0.30 AirMile. Transfer takes 7 working days.
Statement Credit
1:1 transfer ratio
CashBack
1 RP = up to Rs. 0.15. Lowest value redemption.
SmartBuy
1:1 transfer ratio
InterMiles
1:1 transfer ratio
Finnair Plus
1:1 transfer ratio
KrisFlyer
1:1 transfer ratio
1-3 Business Days
Aeroplan
2:1 transfer ratio
Avios
2:1 transfer ratio
Instant
Privilege Club
2:1 transfer ratio
Lotusmiles
1:1 transfer ratio
AirAsia Rewards
1:1 transfer ratio
MileagePlus
2:1 transfer ratio
LifeMiles
2:1 transfer ratio
Miles&Smiles
2:1 transfer ratio
Asia Miles
2:1 transfer ratio
Skywards
2:1 transfer ratio
Etihad Guest
2:1 transfer ratio
SpiceClub
1:1 transfer ratio
Royal Orchid Plus
2:1 transfer ratio
Wyndham
1:1 transfer ratio
IHG One
1:1 transfer ratio
Club ITC
2:1 transfer ratio
Bonvoy
2:1 transfer ratio
ALL
2:1 transfer ratio
Radisson Rewards
2:1 transfer ratio
Apple
1:1 transfer ratio
Catalogue
1:1 transfer ratio
Products Catalogue & Vouchers
1 RP = up to Rs. 0.25
1,000 Reward Points on card activation (value Rs. 300 at Rs. 0.30/point)
value
1,000 Reward Points on annual fee payment (value Rs. 300 at Rs. 0.30/point). Not applicable if fee is waived.
value
Annual fee of Rs. 1,000 waived on spending Rs. 1 lakh in the anniversary year
Spend ₹1,00,000 within 365 days
value
Concierge
100.00% off
24x7 Global Personal Concierge Service for travel needs via toll-free 1800 209 4006
See how this card performs in different spending categories compared to other cards.
The HDFC Diners Club Rewardz Credit Card is an entry-level rewards card from HDFC Bank that offers a solid combination of reward points, travel benefits, and lifestyle perks at an affordable annual fee of Rs. 1,000. Designed for everyday spenders who want to earn and redeem points across multiple categories, this card provides 3 Reward Points for every Rs. 150 spent and up to 10X points on partner brand shopping.
With unlimited access to over 1,000 Diners Club lounges in India, a 24x7 Global Personal Concierge Service, and the ability to convert Reward Points into AirMiles for Singapore Airlines KrisFlyer, this card delivers meaningful travel benefits that punch above its price point. The annual fee can also be waived by spending just Rs. 1 lakh in a year, making it an accessible choice for moderate spenders.
Note: HDFC Bank has stopped accepting new applications for this card. Existing cardholders continue to enjoy all the benefits outlined below.
The HDFC Diners Club Rewardz Credit Card is an entry-level credit card issued by HDFC Bank on the Diners Club network. It is designed for individuals who want to earn reward points on their everyday spending and redeem them for travel bookings, AirMiles, product catalogues, and cashback.
Earn 3 Reward Points for every Rs. 150 spent on eligible transactions. On partner brand shopping, earn an accelerated 10X Reward Points (30 RPs per Rs. 150), capped at 2,000 points per month. Overall reward points are capped at 15,000 per statement cycle.
Receive 1,000 Reward Points as a welcome gift on card activation, and another 1,000 Reward Points each year on paying the annual fee. Note that the renewal bonus is not provided if the fee is waived.
Redeem Reward Points for air tickets and hotel bookings across 150+ airlines and hotels via the Diners Club website and SmartBuy portal. You can redeem up to 70% of the booking value using Reward Points. Convert points to Singapore Airlines KrisFlyer AirMiles at 1 RP = 0.30 AirMile.
Enjoy unlimited access to 1,000+ Diners Club lounges across India for both primary and add-on card members.
Access a 24x7 Global Personal Concierge Service for all your travel needs via the toll-free number 1800 209 4006.
Get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000, with a maximum monthly benefit capped at Rs. 500.
Earn up to 5% CashBack on spends via SmartBuy, HDFC Bank's exclusive deals portal for flights, hotels, and shopping.
The HDFC Diners Club Rewardz Credit Card provides unlimited complimentary access to over 1,000 Diners Club lounges across India.
Note: This card does not include Priority Pass or international airport lounge access. The lounge access is limited to the Diners Club lounge network in India.
The HDFC Diners Club Rewardz Credit Card uses a straightforward points-based reward system:
Excluded Categories: Fuel transactions, cash advances, EMI conversions, wallet loads, rent payments, and government payments do not earn Reward Points.
Reward Points can be redeemed through SmartBuy or NetBanking across multiple options:
| Redemption Option | Value per Point | Recommended |
|---|---|---|
| SmartBuy Flight/Hotel Bookings | Rs. 0.30 | Best Value |
| AirMile Conversion (KrisFlyer) | 0.30 AirMile | Good for Travellers |
| Product Catalogue & Vouchers | Up to Rs. 0.25 | Average |
| CashBack | Up to Rs. 0.15 | Lowest Value |
Redemption Fee: Rs. 99 per redemption request plus applicable taxes.
Flight/Hotel Bookings: You can redeem up to 70% of the booking value using Reward Points; the remaining 30% must be paid via the credit card.
| Fee/Charge | Amount |
|---|---|
| Joining Fee | Rs. 1,000 + GST |
| Annual/Renewal Fee | Rs. 1,000 + GST |
| Renewal Fee Waiver | On spending Rs. 1 lakh in anniversary year |
| Interest Rate | 3.6% per month (43.2% per annum) |
| Minimum Amount Due | 5% of outstanding or Rs. 200, whichever is higher |
| Cash Advance Fee | 2.5% of amount (min. Rs. 500) |
| Cash Advance Limit | Up to 40% of credit limit |
| Foreign Currency Markup | 3% + applicable taxes |
| Late Payment (up to Rs. 100) | Nil |
| Late Payment (Rs. 101 - 500) | Rs. 100 |
| Late Payment (Rs. 501 - 1,000) | Rs. 500 |
| Late Payment (Rs. 1,001 - 5,000) | Rs. 600 |
| Late Payment (Rs. 5,001 - 10,000) | Rs. 750 |
| Late Payment (Rs. 10,001 - 25,000) | Rs. 900 |
| Late Payment (Rs. 25,001 - 50,000) | Rs. 1,100 |
| Late Payment (above Rs. 50,000) | Rs. 1,300 |
| Over Limit Fee | 2.5% of over-limit amount (min. Rs. 550) |
| Payment Return / Cheque Return | 2% of amount (min. Rs. 450) |
| Cash Processing Fee | Rs. 100 per transaction |
| Card Replacement | Rs. 100 |
| Duplicate Statement | Rs. 10 |
| Reward Redemption Fee | Rs. 99 per request + taxes |
| Rent Payment Processing | 1% of transaction amount |
| Fuel Surcharge Waiver | 1% on transactions Rs. 400 - Rs. 5,000 (max Rs. 500/month) |
| Add-on Card Fee | Nil |
HDFC Bank has stopped accepting new applications for the Diners Club Rewardz Credit Card. If you are interested in a Diners Club card from HDFC Bank, consider the Diners Club Privilege or Diners Club Black instead.
If you already hold this card, you can continue to enjoy all benefits. Manage your card through:
The HDFC Diners Club Rewardz Credit Card is a competent entry-level rewards card that offers good value at its Rs. 1,000 annual fee point. The 3 Reward Points per Rs. 150 base rate translates to a modest 0.60% return, but the 10X partner brand multiplier and SmartBuy options significantly boost the earning potential for targeted spenders.
The standout features of this card are the unlimited Diners Club lounge access in India and the 24x7 Global Personal Concierge — benefits rarely found in this price segment. However, the card falls short in areas like insurance coverage, dining offers, and movie ticket benefits, which are available on competing cards.
With HDFC Bank no longer accepting new applications, this card is relevant only for existing holders. If you are looking for a similar rewards experience, consider the HDFC Diners Club Privilege (for an upgrade) or the HDFC Millennia (for wider merchant acceptance and cashback).
Last updated: 1 February 2026
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