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HDFC Diners Club Credit Card Review: Eligibility, Features and Benefits

If you are looking for a premium credit card that offers you exclusive privileges and rewards, you might want to consider the HDFC Diners Club Credit Card. This card is designed for frequent travellers and high spenders who want to enjoy the best of both worlds. Here is a comprehensive review of the HDFC Diners Club Credit Card, covering its eligibility criteria, features and benefits.


Eligibility Criteria


To apply for the HDFC Diners Club Credit Card, you need to meet the following eligibility criteria:


- You must be an Indian citizen or a resident of India.

- You must be at least 21 years old and not more than 60 years old.

- You must have a good credit score and a stable income source.

- You must have an existing HDFC Bank account or a relationship with HDFC Bank.


Features and Benefits


The HDFC Diners Club Credit Card offers you a range of features and benefits that make it worth your while. Some of the key features and benefits are:


- Welcome Offer: You get a welcome gift of 10,000 reward points on your first transaction within 90 days of card issuance. You can redeem these points for air miles, hotel stays, gift vouchers and more.

- Reward Points: You earn 10 reward points for every Rs. 150 spent on retail purchases, except fuel. You also earn 10X reward points on partner brands, such as MakeMyTrip, BookMyShow, Uber and more. You can also earn up to 50% more reward points on international transactions.

- Lounge Access: You get unlimited complimentary access to over 1,000 airport lounges across the world through the Diners Club International network. You also get access to select domestic lounges through the HDFC Bank Lounge program.

- Golf Privileges: You get complimentary golf lessons and green fee waivers at select golf courses in India and abroad. You also get discounts on golf merchandise and equipment.

- Concierge Services: You get access to a dedicated concierge service that can assist you with travel bookings, dining reservations, entertainment tickets and more.

- Insurance Cover: You get a complimentary air accident cover of Rs. 1 crore, an emergency medical expenses cover of up to Rs. 25 lakhs and a credit liability cover of up to Rs. 9 lakhs.

- Annual Fee Waiver: You get a waiver of the annual fee of Rs. 10,000 if you spend Rs. 8 lakhs or more in a year.


The HDFC Diners Club Credit Card is a great option for those who want to enjoy premium benefits and rewards on their spending. However, you should also be aware of the drawbacks of this card, such as:


- High Annual Fee: The annual fee of Rs. 10,000 is quite high compared to other premium cards in the market. You need to spend at least Rs. 8 lakhs in a year to get it waived off.

- Limited Acceptance: The HDFC Diners Club Credit Card is not widely accepted in India and abroad as it is part of the Diners Club International network, which has fewer merchants than Visa or Mastercard. You might face issues while using this card at some places.

- High Interest Rate: The interest rate on this card is 23.88% per annum, which is higher than the average interest rate of 18% per annum for credit cards in India. You should pay your bills on time to avoid paying high interest charges.


Conclusion


The HDFC Diners Club Credit Card is a good choice for those who travel frequently and spend heavily on their credit cards. It offers you exclusive privileges and rewards that can enhance your lifestyle and save you money. However, you should also consider the high annual fee, limited acceptance and high interest rate before applying for this card. You should compare this card with other premium cards in the market and choose the one that suits your needs and preferences best.

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