HDFC Diners Club Premium Credit Card vs HDFC Bank MoneyBack+ Credit Card

• 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 

• 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

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