How I Manage Multiple Credit Cards?

How I Manage Multiple Credit Cards_

Getting my first credit card

When I first applied for Credit Card in 2013, it was rejected saying I’m not over 23 to apply.

Credit Card Application Rejection Due To Age
Credit Card Application Rejection Due To Age

As soon as I turned 23, on the same day I applied for my first credit from HDFC. It was an HDFC MoneyBack Credit Card, I had no clue on reward points, lounge access or Insurance. I just had it for the feeling of holding one.

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How to make the best use of HDFC Bank Diners Club Black Credit Card?

How to use HDFC Diners Club Black Credit Card

HDFC Bank Diners Club Black is one of the best super premium credit card available in India. I’m using this credit card for more than a year now. This article is my hands-on experience in milking the credit card for getting maximum reward points.

10X Rewards

Diners Club HDFC 10X rewards
Diners Club HDFC 10X rewards

The best thing about the Diners Club is the 10X reward points. I personally think the team behind the Diners Club does an awesome job of shortlisting the partners from day-to-day needs and offer 10X rewards.

I live in Bangalore, I have now started using Zoomcar for weekend getaways, order food on Swiggy, book tickets on BookMyShow, do e-commerce shopping on Myntra, Flipkart or Amazon and make my bill payments using PayZapp Wallet. With these partners, I’m able to cover almost 80% of my monthly needs.

These 10X reward partners are updated on quaterly basis.

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HDFC Bank Diners Club Black Credit Card Review

HDFC Diners Club Black Credit Card Review

HDFC Diners Club Black is one of the best super premium international credit cards in India. I have huge respect for their strategy and reward points. The team who manages and promotes the card really understands what the customer needs and introduced the 10x partners on travel, food and shopping category. I think I’m personally very loyal to this credit card and proud to make use of it too.

VISA and MasterCard may be the top market share holders for credit cards, but there are other players such as Diners Club International (DCI) and RuPay. Diners Club has an exclusive tie-up with HDFC Bank as issuer in India. DCI has a history from 1950 and was the first charge card. They were acquired by CitiBank in 1981 and later by Discover Financial Services in April 2008.

Look & Feel

  • The card looks elegant black and has a world map in the background
  • The card comes with EMV chip but does not have NFC enabled the contactless option

Reward rate

The card comes with one of the best in class reward rate. I could even say they are unbeatable.

  • Usually, 3.3 % on all the retail spends
  • Accelerated up to 33% during the seasonal promotions
  • Minimum spend is 150 INR and in multiples, 5 reward points for every 150 INR spent
  • Exceptions
    • SmartEMI, EasyEMI, and e-wallet loading transactions will not accrue Reward points.
  • Capping
    • 25,000 reward points per statement
    • Insurance transactions will have a maximum cap of 2,000 per transaction
  • Reward points are valid only for 3 years from the date of accumulation
  • These capping may change from time to time, please visit https://www.hdfcbankdinersclub.com/diners-club-black

Let’s say you spend 1,00,000 INR rupees every month on your credit card for all your lifestyle needs such as paying your restaurant, shopping, medical and travel. You will save 3,300 as reward points. If you spend the same 1L on preferred partners who are on 10X reward promotions then you will have 33,000 which you could use to book flights or hotel. That is what I call it as free money. Continue reading “HDFC Bank Diners Club Black Credit Card Review”