With this credit card, you get exclusive dining offers and also earn points every time you swipe the card. The joining fee is Rs.1,000.
Some credit cards reward only a few types of spends, the HDFC Diners Club Rewardz Credit Card is not one of those cards.
This credit card rewards all your spending, no matter how trivial. You earn reward points that you can redeem for travel, lifestyle, retail, and entertainment vouchers. All for an annual fee of Rs.1,000 (excluding taxes).
Welcome Benefit and Renewal Benefit
Reward Points
Milestone benefits
Travel Benefits
Lifestyle Benefits
The limit on your HDFC credit card is the total amount you can spend without incurring any over-limit penalties.
This limit is usually intimated to you by the bank when your application has been approved. Moreover, the credit limit for the same card may differ from person to person since several factors go into determining the limit on your card. These include your employment status, your annual income, your current debt obligations, the number of credit cards you currently own, your repayment history, and of course, your credit score.
Based on all of these factors (and more), the bank will determine the credit limit on your card.
There are plenty of redemption options before you. Here's how you can redeem the points you earn:
The steps involved in redeeming your points are:
The steps to convert your Reward Points to air miles are:
Type of Charge | Amount |
Joining fee | Rs.1,000 |
Renewal fee | Rs.1,000 |
Interest rate | 1.99% per month |
Minimum repayment amount | 5% or a maximum of Rs.200 |
Cash withdrawal fee | 2.5% of the withdrawn amount (Minimum Rs.500) |
Cash advance limit | 40% of the credit limit |
Rewards redemption fee | NIL |
Add-on cards charges | NIL |
Foreign currency mark-up fee | 3.00% |
Late payment charges |
|
Over limit charges | 2.5% of the over the limit amount (Min. of Rs.550) |
Cash processing fee | Rs.100 per transaction |
Payment return charges | 2% of the payment amount (Minimum of Rs.450) |
Card re-issuance charges | Rs.100 per instance |
Duplicate statement | Rs.10 |
Both salaried and self-employed individuals can apply for this card. The eligibility criteria for this credit card are:
Salaried Individuals:
Self-employed Individuals
The documents required may vary from each category of applicant. But in general, here are the documents that you may require:
You can apply for this card on the bank's website.
Once you select the 'Apply Now' button on the HDFC Diners Club Rewardz Credit Card webpage, you will be redirected to the online application form.
Enter the required details such as your name, phone number, income details, and PAN details. Once you submit your application, you will receive an SMS or a call from a bank official regarding the status of your application.
The Reward Points you earn are valid for 2 years from the date on which you earn them. This means that points earned in June 2024, will expire in June 2026.
It will take at least 7 working days to transfer your Reward Points to air miles.
Yes, you can get a waiver on the annual fee from the second year onwards. To be eligible for the waiver, you will have to charge a minimum of Rs.1 lakh to your card in the previous year.
No. If your annual fee is waived, you will not receive the renewal benefit of 1,000 Reward Points.
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