HDFC Diners Club Premium Credit Card vs HDFC Bank MoneyBack+ Credit Card
Joining Fees
₹2,500
₹500
Editor's Rating
3.3
4
Key Features
- You can convert reward points to miles on Jet Airways, Air India and Singapore Airlines (1 reward point = 0.50 air mile)
- Avail 10 X Reward Point on International spends
- 24x7 concierge service for reservations for travel needs
- Redeem Reward Points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com .(1 Reward Point = 0.50 AirMile)
- Lowest mark up on foreign currency transactions: Just 2%
- Insurance Benefits
- Welcome/Renewal Benefit: Earn 500 Cash Points, this is applicable only on the payment of the membership fee
- Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
- Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
- Get 5X CashPoints on EMI spends at merchant locations
- Get 2 CashPoints per Rs. 150 spent on other spends
- Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
- Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
- Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
- For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
- Zero lost Card liability
- You can enjoy an interest-free period of up to 50 days from the date of your purchase
- Enjoy Revolving Credit at a nominal interest rate
- Enjoy amazing dining benefits with the Good Food Trail program
- Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
- Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
- Convert your big spends into EMI after purchase
- The card is enabled for contactless payments
Editor's Review
Pros
- Get Up to 6 Complimentary access to 1000+ lounges Worldwide
- Redeem points for exclusive gifts from the rewards catalogue
- 4 Reward Points for every Rs. 150 spent
- Get a free renewal by spending Rs. 3 lakhs in 12 months
Cons
- No complimentary offers for movie tickets
- No Cashback on spends
Pros
- Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
- Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends
- Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
Cons
- No golf benefits are provided
- No airport lounge access
