HDFC Bank Credit Cards to cap points earned on Dining July 1, 2020 onwards

HDFC Bank has been actively changing the rewards earning on their top-end credit card products. For starts, HDFC Bank has removed the 10X points partners on the Diners Club Card(s). Also, on SmartBuy, some partners only earn 5X or 3X points now on. My guess here is, CoVid-19 is stifling innovation here as the Bank assesses how to proceed forward while keeping their expenses on the elite credit card under check. Another HDFC Bank Credit Card points earning feature is now on the block, the points earning on Dining.

Till so far, HDFC Bank used to offer unlimited 2X points on Dining at stand-alone outlets (as coded by Visa/MasterCard) (not a part of the Taj Hotels, for instance, but a Social or a Smoke House Deli and so on). For the HDFC Bank Infinia, 2X on Dining was valid all week long, and for  Diners Club (Black and Privilege), it was valid over the weekends.

However, come July 1, 2020, HDFC Bank will be capping the rewards on the Dining category for all these cards. This should not impact most of us, except for those who are spending a lot of money dining out.

  • HDFC Infinia will be limited to 1000 bonus reward points per day on Dining, which translates to a top of INR 30,000 per day billing on Infinia for Dining at stand-alone restaurants (Source)
  • HDFC Diners Club Black will be limited to 1000 bonus reward points per day on Dining, which translates to a top of INR 30,000 per day billing on the DCB for Dining at stand-alone restaurants over the weekends. (Source)
  • HDFC Diners Club Privilege will be limited to 500 bonus reward points per day on Dining, which translates to a top of INR 18,750 per day billing on the DCP for Dining at stand-alone restaurants over the weekends. (Source)


This is all irrelevant in the current times, but if we ever hope to get back to life as it was before Corona, then this is terrible news. HDFC Bank sure is picking a nice time to tone down the earning potential of the cards, but I do hope they also do turn around and up the game when it comes to bringing back the benefits.

What do you make out of the new caps being imposed on Dining earning for your HDFC Bank cards?

Liked our articles and our efforts? Please pay an amount you are comfortable with; an amount you believe is the fair price for the content you have consumed. Please enter an amount in the box below and click on the button to pay; you can use Netbanking, Debit/Credit Cards, UPI, QR codes, or any Wallet to pay. Every contribution helps cover the cost of the content generated for your benefit.

(Important: to receive confirmation and details of your transaction, please enter a valid email address in the pop-up form that will appear after you click the ‘Pay Now’ button. Even though the amount you enter has to be in INR, you may use an international card to process the transaction.)

We are not putting our articles behind any paywall where you are asked to pay before you read an article. We are asking you to pay after you have read the article if you are satisfied with the quality and our efforts.

About Ajay

Ajay Awtaney is the Founder and Editor of Live From A Lounge (LFAL), a pioneering digital platform renowned for publishing news and views about aviation, hotels, passenger experience, loyalty programs, travel trends and frequent travel tips for the Global Indian. He is considered the Indian authority on business travel, luxury travel, frequent flyer miles, loyalty credit cards and travel for Indians around the globe. Ajay is a frequent contributor and commentator on the media as well, including ET Now, BBC, CNBC TV18, NDTV, Conde Nast Traveller and many other outlets.

More articles by Ajay »


Leave a Reply

Your email address will not be published. Required fields are marked *