Base reward rate: 4 reward points per ₹150 spent (equivalent to 2.67 points per ₹100), with 10X rewards on SmartBuy and select partners.
Redemption options: airmile, diners_voucher
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 1000
Annual fee: 1000
Pros
Earn 4 reward points per Rs. 150 spent
1 reward point = 1 air mile/ Rs. 0.50
Convert rewards into air miles with The British Airways Executive Club, Kris Flyer, Club Vistara and Intermiles
Get a 15% discount and other benefits at some of the finest restaurants
6 complimentary lounge visits at over 1,000 lounges worldwide
Complimentary lounge access with no minimum spend requirement
Cons
The Diners Club network has significantly lower acceptance than Visa or Mastercard, which can be a major issue at smaller merchants in India and while travelling abroad.
For a travel-centric card, the 3.00% foreign currency markup fee is high and negates some of the savings from rewards on international spending.
The valuable 10X accelerated rewards are capped at 5,000 bonus points per month, limiting the maximum benefit to spends of approximately ₹21,000 on partner platforms.
Best Use Case
Frequent travelers and diners who prioritize converting rewards into air miles and enjoy global lounge access.