Are you a traveller? Or often travel from one country to another then it’s quite obvious that you want to save some money from your necessary transaction. To fulfil this desire, HDFC bank came forward and launched a credit card named HDFC Diners Club Premium Credit Card. It is one of the most beneficial credit cards, which provide their cardholders more than enough benefits on travelling and dining. It doesn’t matter that you use this card; it may be domestic or international; you get rewards and other benefits.
If you are interested in knowing more about it or issuing this card now or in the future, you must go through this article carefully. Here we will review the features, benefits, fees & charges and many more in this particular article. After reading the whole one, I can assure you that you will decide that you should go for it.
In this article
As we said earlier that it is a special credit card which gives benefits on travel and dining. But besides this, you get more secondary characteristics and benefits on this card. Here you check quickly about this card’s main highlights and benefits that attract thousands of new customers every year to join the service.
Here you have to pay only Rs. 2500 and additional GST Charges as per the rule of Govt. of India as an annual fee. After joining the service, you started to get all the benefits from the company. If you can spend Rs. 3 lakh or more than that in a year, then the renewal fee will be absolutely free. This is also called the renewal fee waiver scheme. Here you get 4 reward points on the spending of Rs. 150 every time.
The company provides free airport lounge access to their cardholders across India, which can help thousands of travellers every year to save their money.
Besides this, you get a total benefit from Taj Group, where you get exclusive membership from the Taj hotels.
The company also provides insurance which secures your travel very much. Here you get baggage loss insurance which is up to Rs. 50,000. Here you get up to Rs. 1 crore as air accident cover-up. Besides this, you will get overseas emergency hospitalization coverage which is up to Rs. 25 lakhs.
You can also check the below list to check all the key points and benefits at a glance.
The reward points system is imposed on this card. It doesn’t matter where you use this card; it may be domestic or international you get points on both cases. For every spend of Rs. 150, you will get 4 reward points. You can get 10x points when you use this card on international spending like shopping or buy something from a retailer shop etc. You get 2x reward points when you book hotels or flight tickets from the HDFC bank diners club premium website.
Redemption Process Of Reward Points
You can easily redeem points from the official website of the HDFC bank diners club. You also redeem the points and directly use this on your hotels or flight ticket booking. But one thing that you have to keep in mind is that the validity of the reward points you earn today is 2 years. After that, the points will automatically invalid.
Who Should Opt For This Credit Card?
Now, this is one of the most common questions that who should opt for this card. This card is basically made to give the benefits of travel and tourism. So, if you are a frequent traveller and need to use flights and stay in many hotels, this card is perfect. Because using this card on selected hotels you get dining benefits, on the other hand, you can use it to buy airline tickets from where you get discounts, reward points, etc. so, if your work demand travelling more then this card is perfect for you.
What Makes This Credit Card Better from Other Credit Cards?
This card is one of the best credit cards, which gives huge benefits on travel. But the best part is that the joining and annual or renewal fee of this card is very reasonable. This card gives you many exclusive and expensive benefits within this reasonable price point, which makes the card very special. And this is the main reason why this card beats almost every travel card available in the market.
Features And Benefits
Now, let’s talk about the features and benefits of this card, which is why a consumer can issue this. After joining the service, you will be starting to get all kinds of benefits.
1. Annual Fee Waiver
If you can spend Rs. 3 lakh or more than it within a year, you get the waiver on your annual fee. This is really a very cool feature which the company provides to their cardholders. Besides this, you get a 2500 rewards point when you pay the renewal fee.
2. International Benefits
Here you also get extra benefits when you use this card for international spending. When you make any payment by using this card outside of India, you earn 10x reward points.
3. Reward Points
In every spend of Rs. 150, every time you get 4 reward points which is very much impressive.
Here 1 reward points= 0.50 Airmiles.
4. Airmiles Point Conversion
The card gives you a facility to easily convert or redeem your points. Here you can redeem your points in Singapore Airlines and partner airlines of Jet airways.
5. Airport Lounge Access
As this is basically a travel credit card, that’s why the company gives free access to airport lounge access. They provide unlimited airport lounge access nationally. Besides this, you can access the selected airport lounge across the globe. This is probably the best benefit for frequent travellers.
6. Concierge Service
The company provides courier service, flight booking benefits, golf courses reservation, and many more services to their cardholders by this service.
Here is the insurance that mainly secures your tour and travel very much. With the help of this scheme, you get baggage loss insurance which is up to Rs. 50,000. Here you get up to Rs. 1 crore as air accident cover-up. Besides this, you will get overseas emergency hospitalization coverage which is up to Rs. 25 lakhs.
8. Taj Membership
The cardholders get ultimate benefits from the Taj group of hotels. Here the cardholders get exclusive lodging offers from Gateway properties and Luxury Vivanta.
Fees And Charges
So, let’s talk about the charges regarding this card. It is one of the important sectors or segments that you have to check carefully before issuing this card. By reading the below table, you will understand what kind of charges you have to pay now or in the future if you issue this credit card.
Eligibility And Required Documents
The eligibility criteria and required documents are quite the same as the other credit card. For this, check the next two tables to discuss all the criteria and documents you need to apply for this card.
How To Apply For The Credit Card?
If you want to apply for this card, then open the website of HDFC Bank. From there, you will get all the information and guidelines regarding this card. Then simply, you have to go through those documents and fill the application form carefully. Here you need to fill in all the right details required. After that, submit the application form for further procedure. After it, the bank officials will directly contact you via your phone number or Email ID.
You can also apply it offline. For this, you have to visit the nearest branch of HDFC Bank. Here the bank officials will help you as per your requirement.
1. What are the main travel benefits of this card?
Here you will get travel benefits when you use this card to buy flights, hotel tickets. Not only do you get here reward points, but you also get complimentary access to the airport lounge from across the whole of India.
2. How I redeem my reward points?
The reward points redemption process is straightforward. For this, you have to log in to your net banking with your id and password. After that, you get an option to redeem your reward points. By simply clicking on this, you can redeem all your reward points.
3. What can I do if I lost my credit card?
If you lost your card mistakenly, then you have to contact the HDFC bank customer care. By informing them, you can instantly block the service of your card.
4. Is this credit card provide concierge service to their cardholders?
Yes, the company provides concierge service to their cardholders which helps them book a hotel, flights, etc., tickets easily.
So, this is the in-depth review of HDFC bank diners club premium credit card. After reading the whole article, I hope you understood the advantages and disadvantages of this card. I think can you can understand that you should go for this card now or not.