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HDFC Bank

HDFC Diners Club Rewardz

Diners ClubMidPoints
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Annual Fee

₹500

Reward Type

Points

Forex

3.5%

Lounge

6 dom · 0 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹50,000)
Min Monthly Income₹25,000

Rewards

Reward TypePoints
Base Rate0.67%
Point Value₹0.33/point

Category Multipliers

smartbuy5%

Travel & Global

Forex Markup3.5%
Domestic Lounge6 visits/yr
Intl. LoungeNone
Lounge NetworkDiners Club

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Federal Celesta (100%) →Amex MRCC (97%) →Axis Bank SELECT (97%) →Axis Bank Neo (97%) →IDFC FIRST Millennia (97%) →

💡 Fee Waiver Strategy

Spend ₹50K/year to waive ₹500 fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 0.67%, you need to spend ₹74,627 annually.

🎯 Pro Tips

  • ▸5X on SmartBuy — a decent entry into Diners Club ecosystem
  • ▸6 domestic lounge visits per year

🏷️ Best For

diningshoppinglifestyle