HDFC Diners Club Rewardz Credit Card

HDFC Bank offers the Diners Club Rewardz credit card with delightful benefits. Cardholders can enjoy exclusive privileges including access to lounges all over the world and concierge service available 24x7. The card comes with travel benefits, reward points, annual fee waivers and more.

Benefits of HDFC Diners Club Rewardz

• Welcome Benefit

  Get 1,000 reward points credited to your card upon joining. The points will be credited once the membership fee is paid.

• Renewal Benefit

  Get another 1,000 reward points when you renew your membership of the HDFC Diners Club Rewardz credit card.

• Annual Fee Waiver

  Within the first three months of the card issue, spend Rs.15,000 and get the first years annual fee reimbursed. If you spend Rs.1 lakh in 12 months, you can get the renewal fee waived for the next year.

• Reward Points

  Earn 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 catalogue.

• Travel benefits

  Enjoy access to leading lounges around the globe with the Exclusive Lounge Program. You can access over 25 lounges in India alone.

• 24/7 Concierge Service

  Get a number of services with your own concierge available around the clock. Make use of the following services provided on your HDFC Diners Club Rewardz 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.

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Key Features of HDFC Diners Club Rewardz

• 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 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 total bill subject to a minimum of Rs.200. You can choose you revolve the rest of your bill over a few months. You will be charged interest for this service.

• Petrol Surcharge waiver

  Pay for fuel with your credit card and get the petrol surcharge waived for up to Rs.500 per billing cycle.

HDFC Diners Club Rewardz Card Rewards

Earn reward points every time you spend on your HDFC Diners Club Rewardz credit card. You can later redeem these points for exciting gifts air miles, flight tickets and hotel stays.

Earn points

• 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.

Redeem Points

• 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.

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.

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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 -

• 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.

FAQs

1. Can I earn reward points on fuel transactions?

   No, reward points cannot be earned on the HDFC Bank Diners Club Rewardz credit card when you spend on fuel transactions.

2. How do I address grievances regarding my HDFC credit card?
   • You can call the customer care line between 9:30 a.m. and 5:30 a.m.
   • You can write to the following address:

     The Manager, Grievance Cell,

     HDFC Bank Credit Cards Division,

     8, Lattice Brigade Road,

     Thiruvanmiyur, Chennai - 600 041.

3. How long are my reward points valid?

   Reward points are valid for 2 years from the date on which it was earned.

4. Can I pay my bill before the due date?

   Yes, you can pay your bill before the due date mentioned on your credit card statement.

5. What happens if I am unable to pay my bill for a particular month?

   If you delay in your payment, then a late fee will be applicable. This can also result in your interest rate being increased. If you pay at least the minimum due, you will not incur any charges. But the amount you carry forward will be charged interest at 3.4% per month.

6. I am unable to pay back my total credit card bill, what should I do?

   In case you are permanently unable to pay your outstanding dues, please contact the bank and communicate your financial situation. The bank may devise an easier plan to pay back the amount. If you ignore your bill, the bank will send reminders via text messages, emails, telephone, post or fax. A third party will be appointed to collect the debt in accordance to the code of conduct.