The HDFC Diners Club Rewardz Credit Card is a rewards-focused card designed for customers who want to earn reward points on everyday spending while also getting additional benefits on selected categories and partner brands.
Its main attraction is a rewards structure that gives 3 Reward Points for every ₹150 spent, along with additional reward opportunities on selected partner brands and categories. HDFC also highlights SmartBuy benefits, welcome and renewal rewards, and 24×7 concierge service.
The card carries an annual fee of ₹1,000 plus applicable taxes. HDFC’s fee information states that the renewal fee can be waived when eligible annual spending reaches ₹1 lakh.
HDFC Diners Club Rewardz at a Glance
| Key Detail | Information |
|---|---|
| Card Type | Rewards Credit Card |
| Annual Fee | ₹1,000 + applicable taxes |
| Renewal Fee | ₹1,000 + applicable taxes |
| Fee Waiver | ₹1 lakh eligible annual spending |
| Base Rewards | 3 Reward Points per ₹150 |
| Partner Rewards | Additional rewards on selected partner brands |
| Welcome Benefit | 1,000 Reward Points |
| Renewal Benefit | 1,000 Reward Points |
| SmartBuy | Up to 5% cashback |
| Concierge | 24×7 concierge service |
| Best For | Regular reward-point spenders |
Fees and benefits can change. Check HDFC Bank’s latest terms before applying.
Annual Fee & Charges
The HDFC Diners Club Rewardz Credit Card carries an annual fee of ₹1,000 plus applicable taxes. The renewal fee is also ₹1,000 plus applicable taxes.
HDFC’s official fee information lists an annual spending threshold of ₹1 lakh for waiver of the next year’s renewal fee.
For someone who regularly uses the card and can reach the required annual spending level, the fee-waiver condition can make the card easier to justify.
As with any credit card, the value of the rewards should be considered alongside the annual fee, spending requirements and redemption conditions.
Key Benefits
3 Reward Points for Every ₹150 Spent
The card offers 3 Reward Points for every ₹150 spent on eligible transactions. This gives regular card users an opportunity to accumulate reward points from everyday spending.
The actual value you receive from these points depends on how you redeem them and the applicable redemption terms.
Additional Rewards on Selected Partners
HDFC also highlights 3X Reward Points on spends at partner brands.
This can make the card more attractive for customers whose regular spending overlaps with the participating partner categories and offers.
Partner offers and participating merchants can change, so it is important to check the current HDFC terms before making spending decisions.
Double Reward Points on Selected Categories
HDFC’s current information also highlights double Reward Points on groceries, dining and airline tickets.
For customers who regularly spend in these categories, this can make the rewards structure more useful than a simple flat-rate rewards card.
SmartBuy Benefits
HDFC currently highlights up to 5% cashback on SmartBuy for the Diners Club Rewardz card.
SmartBuy offers can vary by merchant, product and promotional period, so the actual benefit should be checked before making a purchase.
1,000 Reward Points Welcome Benefit
The card comes with a 1,000 Reward Points welcome benefit, according to HDFC’s current card listing. HDFC also lists a 1,000-point renewal benefit.
The applicable conditions should be checked before applying because welcome and renewal benefits can be subject to eligibility requirements.
24×7 Concierge Service
HDFC lists 24×7 concierge service as one of the benefits of the Diners Club Rewardz Credit Card.
The service can assist with areas such as reservations and travel-related arrangements, subject to the applicable service terms.
Things to Keep in Mind
- The annual and renewal fee is ₹1,000 plus applicable taxes.
- Renewal-fee waiver requires eligible annual spending of ₹1 lakh.
- Reward Points are subject to HDFC Bank’s applicable reward terms and exclusions.
- Partner rewards depend on participating brands and current offers.
- SmartBuy benefits can vary by merchant and promotion.
- Welcome and renewal benefits are subject to applicable conditions.
- Reward-point redemption value depends on the redemption option selected.
- Credit-card fees, rewards and participating partners can change over time.
- Always check HDFC Bank’s latest terms before applying.
Who Should Consider It?
The HDFC Diners Club Rewardz Credit Card can be worth considering if you prefer earning reward points rather than straightforward cashback.
It may be particularly useful for customers who regularly spend on groceries, dining, airline tickets and participating partner brands, because these areas can provide additional reward opportunities.
It can also make sense for customers who can reach the ₹1 lakh annual spending level required for the renewal-fee waiver.
On the other hand, if you prefer a simple cashback structure or rarely use reward-point benefits, a cashback-focused card may be easier to understand and potentially better suited to your spending pattern.
If you’re comparing this card with other options, see our Best Credit Cards in India 2026 comparison guide.
Before applying, check HDFC Bank’s latest fees, eligibility requirements, reward rates, exclusions, redemption rules and other applicable terms.
Our Verdict
The HDFC Diners Club Rewardz Credit Card is a reasonable option for customers who want a traditional reward-points card with additional benefits across selected spending categories and partner brands.
Its strongest features are the 3 Reward Points per ₹150 spent, additional partner/category rewards, 1,000-point welcome and renewal benefits, SmartBuy benefits and 24×7 concierge service.
The ₹1 lakh annual spending requirement for renewal-fee waiver can also improve its value for regular users.
However, the card makes the most sense when your normal spending matches its reward structure. If your spending is mainly outside the eligible categories or you simply want straightforward cashback, another card may be a better fit.
Choose the card that fits your spending, not simply the card with the biggest advertised reward.
Want to understand how secured cards compare with other credit card types? Read our Types of Credit Cards: Which One Is Right for You? (2026 Complete Guide) to explore the different options and find one that may suit your needs.