{
  "id": "hdfc-diners-club-premium-credit-card",
  "locale": "en",
  "name": "HDFC Diners Club Premium Credit Card",
  "bank": "HDFC Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "Unlimited Domestic Airport Lounges/yr (Subject to spend conditions)",
  "rewardsRate": "5 pts / ₹150 (3.33%) · 10X on SmartBuy (Up to 33.3%) · 1 pt = ₹0.50",
  "bestFor": "Premium domestic travel, HDFC SmartBuy accelerated flight/hotel bookings & dining privileges",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/diners-club-premium-credit-card",
  "aiVerdict": {
    "score": 5.8,
    "summary": "Its modest reward rate and low annual fee plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3.33,
  "affiliateId": "hdfc-diners-club-premium-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Diners Club Premium Credit Card schedule of charges",
    "HDFC SmartBuy Diners 10X partner reward guidelines"
  ],
  "feeWaiver": "Waived at ₹3,00,000 annual spend",
  "networks": [
    "Diners Club"
  ],
  "quickFacts": [
    {
      "key": "Base Rewards",
      "value": "5 pts / ₹150 (3.33%)"
    },
    {
      "key": "SmartBuy Flights",
      "value": "Up to 10X Rewards"
    },
    {
      "key": "Airport Lounges",
      "value": "Unlimited Domestic"
    },
    {
      "key": "Golf Games",
      "value": "6 Complimentary / quarter"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹3,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "SmartBuy Travel & Partner Merchants",
      "rate": "Up to 10X (Up to 33.3%)",
      "monthlyCap": "5,000 pts / mo",
      "perLakhSpent": "Up to 33,333 pts"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "5 pts / ₹150 (3.33%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,333 pts (₹1,666 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "SmartBuy Flight Bookings",
      "multiplier": "10X",
      "rate": "Up to 33.3%",
      "monthlyCap": "5,000 pts / mo",
      "dailyCap": "—",
      "note": "On HDFC SmartBuy portal."
    },
    {
      "channel": "Airport Lounges",
      "multiplier": "Unlimited",
      "rate": "Domestic",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Across premier Indian lounges."
    },
    {
      "channel": "Fee Waiver",
      "multiplier": "100%",
      "rate": "₹2,500 Waived",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "Waived at ₹3,00,000 spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy Travel Bookings (Flights & Hotels)",
      "value": "₹0.50 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.35 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,500 + GST (Waived at ₹3 Lakhs spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹60,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹8.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}