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Credit Cards · India

HDFC Bank Diners Club Rewardz Credit Card

Updated 5 Jul 2026Source-linked

The HDFC Bank Diners Club Rewardz Credit Card is a entry credit card from HDFC Bank, with a joining fee of ₹1,000 + GST.

It earns up to 8 pts per ₹150 (≈1.3% value) on weekend dining spends in the form of reward points (points).

Cardholders get 4 annual domestic airport lounge access.

HDFC Bank logo
HDFC Bank Diners Club Rewardz Credit Card
Diners Club International logo
  • Joining Fee₹1,000
  • Annual Fee₹1,000
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 8 pts per ₹150 on weekend dining
  • Base 0.67% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
HDFC Bank logoHDFCDiners Club International logorewardzentry
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Rewards and Benefits

Rewards Rate
8 pts per ₹150 on weekend dining
Base 0.67% on other spends.
Reward Redemption
SmartBuy: Redeem at ₹0.5 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Dining & food delivery₹107/mo

    You spend ₹8,000 · earns 1.3% = ₹107 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.7% = ₹100/mo
  • Groceries₹8,000 · 0.7% = ₹53/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.7% = ₹67/mo
  • Utilities & bills₹5,000 · 0.7% = ₹33/mo
Est.net rewards for this spend, realistic
₹4,320/yr

₹4,320 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by HDFC Bank.
  • Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Diners Club International network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Complimentary domestic airport lounge access (4/annual).
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 8 pts per ₹150 on weekend dining

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • insurance premiums
  • emi

Airport lounge access

Domestic
4 visit(s) / annual. Via issuer-direct.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
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