HDFC Diners ClubMiles Credit Card vs HDFC Moneyback Credit Card
Joining Fees
₹1,000
₹500
Editor's Rating
4
3.3
Key Features
- Access 1000+ leading lounges across the globe with complimentary access six times a year through HDFC exclusive lounge program
- Benefits of a concierge for all your travel needs
- 15% discount and other benefits at some of the finest restaurants. You can select from over 1400 offers with partners across the world
- Insurance Benefits
- Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
- Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
- Get 2 Reward Points on every Rs. 150 spent
- Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
- Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
- Zero Lost card liability
- Up to 50 days of interest free period from the date of purchase
- Enjoy Revolving Credit at nominal interest rate
- Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
- Avail facility of converting big spends into EMI after purchase
- HDFC Bank MoneyBack Credit Card is enabled for contactless payments
- Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal
Editor's Review
Pros
- 6 complimentary access to 700+ lounges worldwide annually
- Redeem Reward Points for bookings across 150+ airlines and a wide range of hotels
- Get air accident cover of Rs. 1 crore
Cons
- No complimentary offers for movie tickets
- No Cashback on online spends
- No Golf Privileges
Pros
- Zero liability on the lost card if reported immediately
- With the EMV Chip technology presented in the card, stay protected against fraud
- Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
- The Reward points are only valid for 2 years
- No complimentary Airport Lounge Access
- High-interest rate of 3.49%
