What's good
- Unlimited global lounge access via Diners Club network
- Outstanding milestone benefits on annual spends
- 10X reward points on select SmartBuy categories (hotels, partner brands); 5X on flights
Watch out for
- Diners Club network acceptance is lower than Visa/Mastercard offline in India
- High ₹8L annual spend requirement for fee waiver (Standard variant no longer open for new applications)
- SmartBuy 10X categories are fixed but can change at bank's discretion; monthly cap of 75,000 points
Who should pick this card?
Best suited for someone focused on frequent flyers.
This sits in the Travel category — Earn air miles, hotel points, and get lounge access. Ideal for frequent flyers and business travellers.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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