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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-1.2%)^ | 0.6% | 0.6% | 0.6% | 0.6% |
| Est. Monthly Reward (₹) | (60) | 55 | 115 | 295 | 595 |
| All-India Rewards Rank* | 231 | 117 | 154 | 205 | 210 |
| Within Bank Rank* | 36 | 18 | 22 | 30 | 29 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Diners Club Rewardz Credit Card by HDFC Bank offers 5% cashback on SmartBuy and 0.6% effective discount on all other spending.
We estimate this card has a net reward yield of 0.6% on all spending with the card in a month, making it a low reward card for HDFC Bank customers.
Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.
If you spend less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a net reward yield of 1.9-2.4%.
If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Diners Club Rewardz Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 3 Rewards points / ₹150 on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | 5% Cashback on SmartBuy |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem reward points to book flights and hotels 1RP= ₹0.30 |
| Card | Diners Club Rewardz Credit Card | |
|---|---|---|
| Joining Fee | ₹1,000 + Taxes | |
| Annual Fee | ₹1,000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹1 Lac | |
| Income Criteria | Salaried | ₹30,000 p.a. |
| Self-employed | ITR>₹3.6 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 43.20% p.a. | |
| Foreign Currency Markup | 3.00% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
