Features, Terms and Conditions

1. Welcome Benefits/Renewal Benefits

2. Lounge Access

3. Golf Program

4. The Taj

5. Concierge and Dining

6. Small Luxury Hotels

7. Miles Exchange and Unparalleled Rewards

8. Unparalleled Protection

9. Club ShippingWelcome Benefits/Renewal Benefits

Reward Points will be credited subject to the payment of annual membership fee. Renewal Benefit

Reward Points will be credited subject to the payment of renewal fees.

Lounge Access

Domestic Airport Lounge list:

S.No. Status Name of the lounge Lounge Operator City Terminal Location

1 Existing Plaza Premium Lounge Plaza Premium New Delhi International Terminal 3, International Departure, Level 3

2 Existing Plaza Premium Lounge Plaza Premium New Delhi International Terminal 3, International Departure, Level 4

3 Existing Plaza Premium Lounge Plaza Premium New Delhi Domestic Terminal 3, Domestic Departure, Level 3

4 Existing Plaza Premium Lounge Plaza Premium New Delhi International Terminal 3, International Arrival, Opp Gate 6

5 Existing Plaza Premium Lounge Plaza Premium New Delhi Domestic Terminal 3, Domestic Arrival, Opp. Gate 1

6 Temp Closed Plaza Premium Lounge Plaza Premium New Delhi Domestic Terminal 1D, Domestic Departure (Airside)

7 Existing Plaza Premium Lounge Plaza Premium New Delhi Domestic Terminal 1D, Domestic Departure (Landside)

8 Existing Plaza Premium Lounge Plaza Premium Hyderabad International Level E, International Departure, near Gate 32A

9 Existing Plaza Premium Lounge Plaza Premium Hyderabad Domestic Level E, Domestic Departure, near Gate 28

10 Existing Plaza Premium Lounge Plaza Premium Hyderabad International Level C, International Departure, Level C, Near Car Park

11 New Plaza Premium Lounge Plaza Premium Bangalore Domestic Terminal building Mezzanine level, Domestic Departures Area

12 New Plaza Premium Lounge Plaza Premium Bangalore International Terminal building Level 1, International Departures Area

13 Existing Grid Bar (DSSHPL) New Delhi Domestic Terminal 3, Domestic Departure

14 Existing Connexions & Daredevills (DSSHPL) New Delhi International Terminal 3, International Departure

15 Existing Carnations Lounge (DIL) Mumbai Domestic Terminal 1B, Domestic Departure

24 Existing Green Lounge ITC Hotels New Delhi International International Departure

25 New Above Ground Level Bird Group Bangalore Domestic Domestic Terminal, West Pier

26 New Above Ground Level Bird Group Bangalore International International Terminal, East Pier

27 New Travel Club Travel Food Services (TFS) Chennai Domestic Security Hold Area

28 New Travel Club Travel Food Services (TFS) Chennai International Security Hold Area

29 New Travel Club Travel Food Services (TFS) Kolkata International 1st Floor, Near Departure Gates, After Security Hold Area

30 New Port Lounge P.K. Hospitality Services Pvt. Ltd. Ahmedabad International 1st Floor, Near Departure Gates, After Security Hold Area

31 New Port Lounge P.K. Hospitality Services Pvt. Ltd. Vadodara Domestic Domestic Departure, 1st Floor

32 New Port Lounge P.K. Hospitality Services Pvt. Ltd. Pune Domestic 1st Floor, Near Departure Gates, After Security Hold Area

33 New Port Lounge P.K. Hospitality Services Pvt. Ltd. Goa Domestic Near Domestic security hall, 1st floor

Note: Operator tie-ups may change from time-to-time, without prior notice.

This document contains the terms and conditions of your airport lounge access service (“the Service”),

which you are entitled to receive as a holder of a HDFC Bank Diners Club Credit Card.

It is important that you read each section of these terms and conditions carefully to understand the

features and conditions of the service .

Definitions

Unless the context otherwise provides, where the following words are shown in the terms and

conditions, they shall have these meanings:

Card means the Diners Club Card, issued by HDFC Bank, that entitles you to the benefits in these

termsand conditions

Cardholder means the individual who is the holder of the Card and, if applicable, the individual who

isthe holder of the supplementary Card and who is, or are, eligible for the Service as a feature of such

Card.

the Service means the airport lounge access service which is described in these terms and conditions.

we/us/our means CPP Travel Services and Promotional Marketing Limited (registered in England,

registration number 02389644) whose registered office address is Holgate Park, Holgate Road, York

YO26

4GA.

Website means the website at www.dinersclub.com

you, your means the Cardholder.Airport lounge access

You are entitled to airport lounge access with our participating lounges which are detailed in the

directory that is held on Diners Club website www.dinersclub.com

The services on offer in participating lounges include:

• Complimentary refreshments

• Free newspapers

• Internet access

• Shower facilities

• Conference facilities

Guest access is payable, basis the following rates:

• £16 for each visit to a UK lounge

• €20 for each visit to a European lounge (except UK); and

• $25 for each visit to a lounge outside the UK and Europe.

These charges will be added to your HDFC Bank Diners Club International Credit Card.

HDFC Bank Diners Club Rewardz- Unlimited Access to Domestic Lounges only under the program

HDFC Bank Diners Club Premium- Unlimited Access to Domestic Lounges and 2 Complimentary access

toInternational Lounges under the program

HDFC Bank Diners Club Black- Unlimited Access to all Lounges under the programConditions and

limitations

1. The Service entitles you to have access to airport lounges that have agreed to participate in our

airport lounge access programme. To see a full list of participating lounges, please use the search

facility on the Website. Whilst most lounges are available year on year, some may change. Please

check the lounge listing before you travel.

2. All participating lounges are owned and operated by third party organisations. You and your

guests must abide by the rules and policies of each participating lounge and any terms and

conditions set out by a particular lounge, which are available, directly from the lounge. We have

no control over, nor responsibility for, the facilities offered, the opening/closing times or the

personnel employed by the participating lounges.3. We cannot be held responsible for any disputes that

may occur between you and/or any guests

and a lounge operator, which are not in relation to the Service. All disputes must be settled

directly with the lounge in question.

4. We will do our best to ensure that the benefits and facilities of participating lounges are

available as advertised, but we cannot guarantee availability at the time of your visit. We cannot

be held liable for any loss to you, or any guests accompanying you, arising from the provision or

non-provision (whether in whole or in part) of any of the advertised benefits and facilities.

5. Please note that the lounge operator may charge you for using some of their facilities (refer to

the Website for details). We are not responsible for any such charges that you may incur.

6. Access to participating lounges may be restricted due to space constraints but this will be at the

discretion of each individual lounge operator. Some lounges may reserve the right to enforce a

maximum stay policy (which is usually 3-4 hours) to prevent overcrowding. This is at the

discretion of the individual lounge operator who may impose a charge for extended stays. We

are not responsible for any such charges that you may incur.7. The number of guests that you may bring

with you is at the discretion of each lounge operator

and some lounges may not admit children. See the individual lounge descriptions available onthe

Website for details.

8. Telephone facilities (where available) will be at the discretion of each lounge operator. Free

usage is usually limited to local calls only. Refer to the individual lounge details. We are not

responsible for any charges that you may incur when using telephone facilities in a participating

lounge.

9. The provision of free alcoholic drinks (where permitted by local law) is at the discretion of each

lounge operator and in some cases may be limited per customer, or not available. See the

individual lounge descriptions available on the Website for details.

10. The charge for each guest visit will be taken by us on your HDFC Bank Diners Card after the visit.

11. Lounge staff will either take your Card details and enter them into a terminal or a website. The

charge per visit for any guests accompanying you will be based on the log submitted by the

lounge operator. Any accompanying children (where permitted) will be subject to the full guest

fee, unless otherwise stated in the lounge listing. While it is the responsibility of the lounge staff

to ensure the correct information is taken from the Card or that a log is made, you are

responsible for ensuring that the log correctly reflects your own usage and that of any guests at

the time of using the lounge. Discrepancies relating to the number of guests stated cannot be

settled once you have left the lounge.

12. Any guests accompanying you must be able to present a valid flight ticket and boarding pass for

the same day of travel to gain entry to a participating lounge.13. Entry to participating lounges is subject

to you and any guests (including children) complying

with the lounges terms and conditions of use. Any lounge users not complying with those terms

may be asked to vacate the lounge facilities. We/HDFC Bank Diners Club is not liable for any loss

suffered by you and any guests, where a lounge operator has refused admission or asked you

and/or any guests to leave because you and/or guests have not complied with these conditions.14.

Some lounges in Europe are located within designated Schengen areas of the airport which

means that access is only provided to these lounges if you are travelling between the

followingcountries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, The

Netherlands,

Iceland, Italy, Luxembourg, Norway, Portugal, Spain and Sweden.

15. Airline, airport and other travel industry employees travelling on reduced-rate tickets may not be

eligible for the airport lounge access service. We reserve the right to refuse membership to

people who are employed by or contracted to an airline, airport or a Government in respect of

airline or airport security.

16. It is your responsibility to be aware of, and on time for, flight times, boarding gates and any other

secondary information related to their flight. Participating lounges have no contractual

commitment to announce flights and we shall not be held liable for any loss resulting from you

and/or any accompanying guests failing to board their flights.

General Conditions, Exclusions and Limitations

Your attention is particularly drawn to these conditions, exclusions and limitations which detail the

general conditions, exclusions and limitations of the Service.

Who is covered

1. The Cardholder is eligible for the Service.

2. You must be 18 years of age or older.

3. The Service is non-transferable; this means that you cannot give your membership to the Service

away to someone else.

Period of service

You are eligible for the Service from the time you become a Cardholder and continues for the period you

hold the Card.

Cancellation

1. You can cancel the Service at any time by contacting us.2. We will cancel the Service if we receive

notification that you no longer hold the Card.

3. We will cancel the Service if you have at any time:a) given us false or incomplete information;

b) used the Service dishonestly or agreed to help anyone try to use the Service dishonestly; or

c) failed to meet the terms and conditions of the Service or to act openly and honestly

towards us.

Conditions and limitations

1. You must provide full and accurate information in connection with your use of the Service.

2. You must meet all of our terms and conditions. This applies to the terms and conditions set out

here and any others which we change or add to the service at a later date.

Waiver of terms and conditions

If we choose not to enforce a term or condition contained in these terms and conditions, this will not

prevent us from relying on that term or condition in the future.

Complaints

If you want to make a complaint, please call our customer services numbers:

Ahmedabad (079) 66004332 Rest of Gujarat 97255 04332

Bengaluru (080) 66224332 Bhopal (0755) 4004332

Chandigarh (0172) 4694332 Rest of Punjab 97791 54332

Chennai (044) 66004332 Coimbatore (0422) 4384332

Delhi (011) 41514332 Hyderabad (040) 66624332

Rest of Andhra Pradesh 99086 64332 Rest of Madhya Pradesh 97525 04332

Jaipur (0141) 4004332 Kochi (0484) 4084332

Rest of Kerala 99957 64332 Kolkata (033) 22104332

Lucknow (0522) 4004332 Mumbai (022) 28564332

Pune (020) 66034332 Rest of Maharashtra 95610 94332Raipur (0771) 4084332 In all cases, we will be

happy to help.

Data Protection Notice – Your personal details

We will, use the information you provide to:

• offer the Service to you;• to contact you regarding any specific enquiry you make.

We will ask HDFC Bank Diners Club for details of changes in your address and other personal and

financial details so that we can be updated. This may include, but is not limited to, asking for updated or

new card numbers and for information about changes to any personal contact details

(e.g., telephone, mobile phone, fax numbers or email addresses).

We may use your details to invite you to take part in market research and to let you know about other

goods or services that might interest you.

We may pass your personal information to other members of the CPP group of companies or other

organisations acting for members of the CPP group of companies. They may contact you by post, phone

or by email. By taking out this subscription and by giving us your address, phone number and email

address, you agree that we, other members of the CPP group of companies, and other organisations

acting for members of the CPP group of companies, may contact you using these methods. If you do not

want your details to be used for these purposes, please let us know at any time.

To avoid contacting you unnecessarily about products and services you may already have, we will

compare your details with information on prospect files prepared by our business partners. When we do

this we may need to tell our business partners that you have a subscription with us and disclose enough

personal data to enable our business partners to identify you on these files.

We may pass your personal information to our third party suppliers who provide features of the service

so that we can provide the Service to you.

By using the Service you consent that, for the better provision of the service, we may transfer your data

outside the European Economic Area. If we transfer your information to a person, office,

branch,organisation, service provider or agent in another country, we will make sure that they agree to

apply

the same levels of protection as we are required to apply to information held in the United Kingdom and

to use your information only for the purposes that we have permitted.

Golf ProgrammeLearn the nuances of golf or improve your game by enjoying golf lessons, hosted for

you, courtesy of Diners/ Discovers at specified driving ranges or training facilities on

weekdays and weekends in following cities:Bangalore: Touche Golf Academy

Chennai: AKDR Village

Delhi (NCR): Noida/Greater Noida – Noida Golf Course/Jaypee Greens (any one)

Delhi (NCR): Gurgaon - Golden Greens/Karma Lakelands (any one)

Mumbai: Golf Next Academy at Golden Swan Country Club

Hyderabad: Boulder Hills

Pune: Oxford Golf Course/Poona Golf Club (any one)

Chandigarh/ Panchkula: Panchkula Golf Club

Ahmedabad: Kensville Golf Club

Kolkata (Optional): Pro Touch Golf Academy

The duration of each golf lesson will span a minimum of 30 minutes and will include:

• Green Fees to access the golf course or driving range, for the lesson

• Cost of instructor's Fees

• Range golf balls at 50 golf balls per lesson

Diners/Discover are pleased to offer Green Fees waiver at the following locations.

Bangalore: Clover Greens

Chennai: Madras Gymakhana Club (Guindy) / AKDR Golf Village (any one)

Delhi (NCR): Noida/Greater Noida - Unitech Golf and Country Club / Jaypee Greens (any one)

Delhi (NCR): Gurgaon - Golden Greens / Karma Lakelands (any one)Mumbai (Aamby Valley): Aamby

Valley

Hyderabad: Boulder Hills

Pune: Oxford Golf Course / Poona Golf Club (any one)

Chandigarh/ Panchkula: Panchkula Golf Club

Ahmedabad: Kensville Golf CoursePlease note that the course locations are subject to change, visit

www.hdfcbankdinersclub.com for an

updated list.

Frequently Asked Questions

1. How many days/hours in advance do I need to book?

You need to book 3 clear working days in advance for Weekday Bookings and 7 clear working

days in advance for a Weekend/Holiday booking for a golf game or a golf lesson. Working days

do not include Saturdays/Sundays or any holidays.

2. How can I know if my booking has been confirmed?

You will normally be contacted within 4 working days, as per the preferred mode of contact

selected by you. At times, due to closure of golf courses on certain dates or for reasons beyond

control, it may take longer than 4 working days to respond to you.

3. What do I need to carry at the golf course to gain entry?

The golf course will recognise you by your name, as mentioned during reservation. However, we

request you to carry your Discover/HDFC Bank Diners Club Membership Card and or any other

identification proof.

4. Are there any minimum and maximum no. of players per flight?

Yes. As per the rules of golf and universal golf etiquette, there must be a minimum of 2 (two)

players per flight on weekdays and a minimum of 3 (three) players per flight on weekends and

holidays. The maximum number of players per flight is 4 (four), on any day.

5. Whom should I contact in case I face any difficulty in gaining entry at the golf course?

We ensure that your booking details are confirmed and shared with the golf course before yourexpected

time of arrival. In case of any difficulty in gaining entry at the golf course you can call us

on the Golf Concierge at 1800 118 887. You will be assisted accordingly.

6. Do golf courses have dress codes?

Most golf courses have universally acceptable golfing dress codes. In general, a collared shirt and

trousers is fine. Golf courses do not allow denim trousers. Golf Shorts of appropriate knee lengthare

allowed. At some golf courses, it is required to keep your shirt tucked in. Also please ensure

you wear a proper set of golf shoes with soft spikes for all golfing sessions.

7. Can I contact the golf course directly with my Discover/HDFC Bank Diners Club Credit Card and

get a booking?

No. Under this programme you are not allowed to contact the golf clubs/golf courses directly. At

all times, please ensure that you call the Golf Concierge on 1800 118 887 to make enquiries or to

request a booking, whether for a Golf Lesson or Golf Game. 8. Can I walk into any of the clubs part of the

programme and use the services?

No. All Discover/ HDFC Bank Diners Credit Cardholders must make a booking, as per the required

procedure, via the Golf Concierge, before going to the club. If the procedure is not followed, you

may be asked to leave the club/golf premises and will not be entertained.

9. Can I take guests with me? If yes, how do I pay for them?

Yes. You may take guests along as per the guest policy. You will need to pay an applicable walk-in

rate for your guest that will be charged to your Discover/ HDFC Bank Diners Credit Card.

10. What about golf equipment and F&B expenses?

All other costs and charges such as F&B expenses, consumables, rental of golf equipment, golfcart

(buggy) charges, caddy fees and more, are to be borne by the cardholder(s) and his/her

guest(s). Cardholders and guests have to pay directly at the club for buggy, caddie, turfmate and

insurance at normal published rates at the club, where applicable.

11. Can I avail the other facilities at the golf club?

This offer is limited to golfing access only and you cannot access the other facilities at the golfclub.

12. Can a non-golfing member of my family accompany me for my game or lesson?

No, golf clubs generally do not permit non-golfers to be present in any golfing areas.

Offer Terms & Conditions – Discover / Diners Golf Programme

1. The Discover / HDFC Bank Diners Golf Programme is not a golf club membership and is not to

beregarded as a golf club membership.

2. Acceptance of requests for bookings for golf lessons and golf games are subject to availability

and will be accepted at the discretion of the golf clubs / golf instructors.

3. Any requests for changes to confirmed booking times are subject to availability and will be

accepted at the discretion of the golf clubs / golf instructors.

4. To avail the benefits of the privileges of this special golf program Cardholders must make all

enquiries and bookings through Discover / HDFC Bank Diners Concierge and must not contact

the Golf Clubs / Golf Instructors directly.

5. Cardholders will not be granted access to the golf clubs unless the booking is routed and

processed via the Discover / HDFC Bank Diners Concierge Service.

6. Golf Clubs/Golf Instructors will not entertain any direct correspondence/enquiries and/or

attempts for bookings directly from the Cardholders. 7. Discover/HDFC Bank Diners reserves the right to

change/replace the golf clubs and golf learning

facilities at which golf benefits are being offered without notice.

8. Golf Rates quoted may not be inclusive of taxes and are subject to change without notice.

9. The Discover/HDFC Bank Diners Golf Programme is valid for golf course access only. Cardholders

and/or their guests will not have access to the other facilities at the golf clubs.

10. Cardholders and their guests must follow all local club/local; establishment usage rules including

limits of access to use club facilities as applicable to Green Fee players.

11. The Discover/HDFC Bank Diners Golf Programme cannot be used by Cardholders or their guests

in conjunction with any other promotional golf programme or any other special golf programme.12. To

the fullest extent permissible by law, each participating Cardholder releases Discover/HDFC

Bank Diners and Apexlynx from any claim, loss, damage, cost or expense (including any claim for

legal expenses) sustained or incurred by him/her in connection with their participation in the

programme.

13. Discover/HDFC Bank Diners & Apexlynx do not underwrite or warrant the services performed bythe

golf courses/golf learning facilities/golf instructors and shall not be liable in any manner

whatsoever for any deficiency, delay or imperfection in such services or for any loss or damage

that may be suffered, or for any personal injury to a customer directly or indirectly by use or

non-use of the services provided by the golf club/golf learning facility/golf instructor.

14. All payments for guests and any other charges requiring pre-payment must be made at the time

of confirmation of the booking and be charged to the Cardholder's Discover/HDFC Bank Diners

Credit Card.

15. Cardholders and their guests will still need to pay for range balls, fore - caddy fee, caddy fee,

insurance and hire of equipment directly at the club, where applicable.

16. 16. There will be an administration fee of Rs. 500 plus applicable taxes for any change

requests made after confirmation of booking. Changes may only be made subject to availability.

Access to Golf Clubs in India

17. Under the Discover/HDFC Bank Diners Golf Program, eligible primary Discover/HDFC Bank Diners

Principal Credit Cardholders (“Cardholders”/“CH”) may enjoy access to select golf clubs in India

as Green Fee players on weekdays and weekends. Add-on Cardholders are treated as guests.

18. The Green Fees will be available to the eligible Cardholder on a complimentary basis as the same

will be hosted by Discover/HDFC Bank Diners subject to a maximum of two golf rounds per

calendar month and may not be accumulated or carried forward to any other calendar month if

not utilised.19. Cardholder must have a valid golf handicap to avail the Green Fee offer to play golf and

may be

requested to produce his/her golf handicap certificate prior to commencement of the game atthe golf

club.

20. The Golf and other benefits offered to the Cardholder are exclusive and are non-transferable and

a Cardholder may not permit any other person to avail of or use the golf benefits on his / her

behalf.

21. Minimum Player Conditions: Weekdays - minimum of 2 (Two) golfers per

flight:Weekends/Holidays – minimum of 3 golfers per flight. It will be the exclusive responsibility of the

Cardholder to fulfill the minimum flight conditions in respect of each booking request and

Discover/HDFC Bank Diners and/or Apexlynx will not be responsible to help the Cardholder make

up the minimum flight condition numbers.

22. Keeping in mind the minimum Flight Conditions any request for a booking to play golf by a single

golfer will not be accepted.

23. Cardholders may bring guest(s) subject to a maximum of three guests per booking, which is

subject to availability. Guests shall pay applicable rates, which Cardholder must charge to his/her

Card.

24. The number of slots available for complimentary golf sessions is limited and is available on a

first-come-first served basis.

25. Weekday bookings must be made at least 3 (three) working days in advance and

Weekend/Holiday bookings must be made at least 7 (seven) working days in advance by the

Cardholder.

26. A Cardholder shall be permitted to book a maximum of 14 days in advance and can hold only

one booking at a time.

27. Should the golf game be suspended or cancelled after commencing the round due rain,

inclement weather or for any other reason there will be no refund of Guest charges or any other

pre-paid charges.

28. Weekend rates apply for golf games booked on a Saturday/ Sunday/Restricted Holiday/PublicHoliday

as applicable.

29. Cardholders may be allowed to play in the same flight with a Club Member/other Green Fee

paying guests subject to fulfillment of the minimum flight conditions and the Club

Member/other Green Fee paying guest having already made the booking prior to the

Cardholders' request. In such cases, the Cardholder must provide the details of the Club Member

who the Cardholder is joining for the game including the exact details of the golf booking held bythe

Club Member. The information provided will be verified from the specified golf club and

booking processed only after the details as provided have been confirmed by the golf club.30. If a

Cardholder is joining a Club Member he/she will not be entitled to take along guests for that

round.

31. A club member cannot make a booking directly at the club and transfer the confirmed tee-time

over to the Cardholder and vice-versa.

32. All payments for guests must be made upon booking and charged to the Discover/HDFC Bank

Diners Principal Credit Card. All cancellation/ administration charges will be charged to the

Discover/HDFC Bank Diners Principal Credit Card. This would require the principal Cardholders to

provide all mandatory information about their credit card to affect the charge as stipulated by

Discover/HDFC Bank Diners/Concierge and/or to incur the charge via an IVR or manual process

at the time of confirmation of the golf booking.

33. Weekday Cancellation Policy – Cancellation must be made at least ONE clear working day in

advance prior to tee-off date to avoid application of Cancellation charges. Should there be a “noshow”

or the confirmed booking be cancelled less than ONE clear working day before the tee-off

time the Cardholder will be charged an amount equivalent to the Walk-In rate for the golf round

34. Weekend Cancellation Policy - Cancellation must be made at least TWO clear working days in

advance prior to tee-off date. Should there be a “no-show” or the confirmed booking be

cancelled less than ONE clear working day before the tee-off time the Cardholder will be charged

an amount equivalent to the walk-in rate for the golf round.Golf Lessons

Cardholders may enjoy complimentary golf coaching lessons at select/specified Driving Ranges in India

on Weekdays & Weekends/Holidays

1. Cardholders may bring guests who will be charged applicable walk-in rates and such charges

must be pre-paid at the time of confirmation of the booking by charging the amount to the

Cardholder Discover / HDFC Bank Diners Credit Card. 2. Bookings may be made no more than 14 days in

advance and a Cardholder may hold only

Bookings for golf lessons must be made not less than 3 (Three) working days in advance and

shall be subject to availability of golf instructor/Driving Range.

3. All payments for the lesson and the Green Fee must be made on the Discover/ HDFC Bank Diners

Principal Credit Card. This would require the principal Cardholders to provide all mandatory

information about their Credit Card to affect the charge as stipulated by Discover/HDFC Bank

Diners/Concierge. This would require the principal Cardholders to provide all mandatory

information about their Credit Card to affect the charge as stipulated by Discover/ HDFC Bank

Diners/Concierge and/or to incur the charge via an IVR or manual process at the time of

confirmation of the golf lesson booking.

4. Rates may not be inclusive of taxes and are subject to change without notice. 5. Cancellation Policy -

Golf Lessons Cancellation must be made at least TWO working days in

advance prior to Lesson date. Should there be a “no-show” or the confirmed booking be

cancelled less than ONE clear working day before the tee-off time the Cardholder will be charged

an amount equivalent to the walk-in rate for the golf round.

HDFC Bank Diners Club Black Credit Card - Green Fee waiver and Unlimited Golf Lessons

HDFC Bank Diners Club Premium Credit Card - Unlimited Golf Lessons

The Taj

Taj Luxury Hotels Resorts and Palaces

Established in 1901, Taj Hotels Resorts and Palaces is one of Asia's largest and finest group of

hotels,comprising 96 hotels in 55 locations across India with an additional 16 international hotels in

the

Maldives, Malaysia, Australia, UK, USA, Bhutan, Sri Lanka, Africa and the Middle East. From

worldrenowned landmarks to modern business hotels, idyllic beach resorts to authentic Grand Palaces,

each

Taj hotel offers an unrivalled fusion of warm Indian hospitality, world-class service and modern

luxury.For over a century, The Taj Mahal Palace, Mumbai, the iconic flagship has set a benchmark for

fine living

with exquisite refinement, inventiveness and warmth. Taj Hotels Resorts and Palaces is part of the Tata

Group, India's premier business house.

Vivanta by Taj Hotels & Resorts

Work hard and play hard. Relax and energise. Ideate and confer. Evolve and transform. Revel in a spirit

that presents the normal with an unexpected twist.

Stylish and sophisticated, Vivanta by Taj delivers premium hotel experiences with imagination, energy

and efficiency.

Currently comprised of 24 hotels and resorts in India and the Indian Ocean region, Vivanta by Taj is

represented across key metropolitan capitals as well as popular holiday destinations like Goa, Kerala,

Rajasthan, Sri Lanka and the Maldives.

Vivanta by Taj offers an imaginative, vivacious and stylish take on 'cool luxury'. With innovative cuisine,

energetic spaces, unique motifs, the smart use of technology and experiences that seek to constantly

engage, invigorate and relax, it appeals to the cosmopolitan world-traveler immersed in a sensory

lifestyle.

The Gateway Hotels & Resorts

The Gateway Hotels & Resorts is a full service upscale hospitality brand in the South Asian region and a

part of the Taj Group of Hotels. Designed for the modern nomad, Gateway provides consistent,

courteous and crisp service for business and leisure travellers seeking contemporary and refreshing

experiences. Keeping in mind those looking for comfort, familiarity and flexibility, the hotels and resorts

are divided into 8 zones – Enter, Stay, Hangout, Meet, Work, Workout, Unwind and Explore. 24/7

services such as 24/7breakfast, 24/7 'active studio' and 24/7 laundry are all designed to cater to guests

round-the-clock.

Gateway provides welcome perfection through an unrivalled network and innovative cuisine offerings

like 'active food' – superfoods and low glycemic index foods for the health conscious; regional homestyle

cuisine; 'eat-in' – refreshed in-room dining menus and 'wake up' - buffet breakfasts with a range

ofhealthy and indulgent options. Flexible, dynamic and warm service, 'in-room yoga' amenities

and

'explore' packages all make The Gateway Hotels & Resorts sanctuaries that refresh, refuel and renew.

Taj Air

Taj Air, the executive air charter service from the Tata Group, brings to you the world renowned Indian

hospitality of the Taj Group to the skies. True to our standards, we have our very own maintenance

facility spread over 30,000 square feet, which not only allows us to maintain our own aircraft, but also

supports other aircraft. We have a dedicated team of ground engineers certified by the aircraft

manufacturer, and an experienced crew trained at Flight Safety International, which ensures service

that's unobtrusive, yet attentive. We have earned our reputation by redefining luxury, consistently

placing a premium on privacy, flexibility, safety and reliability. Just so that you have quicker access to

destinations across the world.

Taj Safaris

Taj Safaris is a joint venture between Taj Group and and Beyond (former CC Africa). Taj Safaris operates

four luxurious jungle Safari lodges in central India, situated on the borders of well known tiger reserves

in Madhya Pradesh.

Interpret the ways of the jungle, guided by our expert naturalists. Start your day by foraying into the

wild

on the back of an elephant or in the back-seat of a customised 4x4. Come face to face with a tiger as it

presides over its prey. Look a snarling leopard in the eye. Or, watch a vain peacock preen for your

camera. Get an insider's view of the habits and habitats of the tiger, leopard, fox, sambar, wild boar, and

over 300 species of rare birds.

And as the Sun comes to rest, retire to the soothing confines of our unique and luxurious lodges.

Choosea rustic 'kutiya' at Mahua Kothi, set deep in the wilderness of Bandhavgarh National Park, A

bungalowinspired suite with a private 'machaan' at Baghvan, in the heart of Pench National Park. A

riverine tent

with a floating deck at Banjaar Tola, in Kanha National Park. Or a quaint stone cottage at Pashan Garh

inPanna National Park – from where you may also travel back in time to Khajuraho to study the

sensuous

sculptures that adorn thousand year old temples.

Welcome to a unique interpretive safari coupled with elegant bespoke services and the choicest regional

cuisine, across India's first and only luxury wildlife circuit. Jiva Spa

Jiva - the unique Indian Spa brand developed by the iconic Taj Hotels, Resorts & Palaces, brings deep

understanding of the body, mind and spirit into its offerings and expertly blends ancient Indian healing

traditions with all the comforts of a modern luxury spa experience.

All therapies are well researched and authentic, often still available in certain parts of India and body

scrubs and potions still used in Indian homes. The all-natural range of Jiva products are made with a

deep understanding of the therapeutic benefits of Indian herbs, essential oils, and pharmacopoeia.

While Jiva spas are set in a myriad of stunning locations of the Taj hotels around the world, they are

bound by an atmosphere of minimalist yet exotic luxury and designed keeping elements of Vastushastra

in mind.

Select Taj hotels offer multi-day Ayurveda Journeys and Yoga Retreats, which highlight the physical,

mental, and health benefits of the Ayurveda and Yoga lifestyle. Nutrition is also a part of the Jiva

wellness plans, with several locations boasting healthy spa meal options. As the only Indian spa brand,

Jiva offers holistic spa and wellness experiences to the seasoned spa aficionado and novice alike.

List of participating Hotels and Resorts

Taj Luxury Hotels Resorts and Palaces

• Taj Lands End, Mumbai

• Taj Palace Hotel, New Delhi

• Taj Bengal, Kolkata• Taj Coromandel, Chennai

• The Taj West End, Bangalore

• Taj Krishna, Hyderabad

Vivanta by Taj - Hotels & Resorts• Vivanta by Taj - President, Mumbai

• Vivanta by Taj - Connemara, Chennai

• Vivanta by Taj - Trivandrum, Kerala

• Vivanta by Taj - M G Road, Bangalore

• Vivanta by Taj - Whitefield, Bangalore

• Vivanta by Taj - Yeshwantpur, Bangalore• Vivanta by Taj - Begumpet, Hyderabad

• Vivanta by Taj - Coimbatore, Hyderabad

• Vivanta by Taj - Ambassador, New Delhi

• Vivanta by Taj - Gomti Nagar, Lucknow

• Vivanta by Taj - Blue Diamond, Pune

• Vivanta by Taj - Panaji, Goa

• Vivanta by Taj - Fort Aguada, Goa

• Vivanta by Taj - Holiday Village, Goa

• Vivanta by Taj - Fisherman's Cove, Chennai

• Vivanta by Taj - Madikeri, Coorg

• Vivanta by Taj - Kovalam, Kerala

• Vivanta by Taj - Kumarakom, Kerala

• Vivanta by Taj - Bekal, Kerala

• Vivanta by Taj - Malabar, Cochin

• Vivanta by Taj - Hari Mahal, Jodhpur

• Vivanta by Taj - Dal View, Srinagar• Vivanta by Taj - Sawai Madhopur Lodge

The Gateway - Hotels & Resorts

• The Gateway Hotel, Residency Road, Bangalore

• The Gateway Hotel, K M Road, Chikmagalur

• The Gateway Hotel, Old Port Road, Mangalore• The Gateway Hotel, Ambad, Nashik

• The Gateway Hotel, Ummed, Ahmedabad

• The Gateway Hotel, Akota Gardens, Vadodara

• The Gateway Hotel, Athwalines, Surat• The Gateway Hotel, M G Road, Vijayawada

• The Gateway Hotel, Beach Road, Visakhapatnam

• The Gateway Hotel, Church Road, Coonoor

• The Gateway Hotel, Pasumalai, Madurai

• The Gateway Hotel, Marine Drive, Ernakulam

• The Gateway Hotel, Janardhanapuram, Varkala

• The Gateway Hotel, Beach Road, Calicut

• The Gateway Hotel, Fatehabad Road, Agra

• The Gateway Hotel, Ganges, Varanasi

• The Gateway Hotel, Ramgarh Lodge, Jaipur

• The Gateway Hotel, Jodhpur

• The Gateway Hotel, Rawalkot, Jaisalmer

• The Gateway Hotel, Airport Garden, Colombo

Other Hotels

• Taj Mount Road, Chennai

• Taj Banjara, Hyderabad

• Taj Deccan, Hyderabad • Taj Chandigarh, Chandigarh

• Taj Residency, Aurangabad

• Taj Exotica, Goa

• Jai Mahal Palace, Jaipur

• Nadesar Palace, Varanasi

• Usha Kiran Palace, Gwalior• Taj Samudra, Colombo, Sri Lanka

• Rebak Island Resort, Langkawi, Malaysia• Taj Tashi, Thimpu, Bhutan

• The Pamodzi Hotel, Lusaka, Zambia

• Savoy Hotel, Ooty

• Hotel Chandela, Khajuraho

• SMS Hotel, Jaipur

General Terms and Conditions

For the Taj Hotels Offer

1. DCI card has to be produced at the time of check in

2. Stay has to be on a public rate (Public rates refer to rates available in the public domain and

exclude rates such as Corporate Rates, Crew, Charters, Conferences,

3. Group or Complimentary/Non-paying)

4. The offer needs to be used stand-alone and multiple offers cannot be combined together

5. The offer cannot be encashed or transferred

6. Certain package rates will include breakfast. When a booking is made on those, there will be no

separate credit or discount that will be given in lieu of the complimentary breakfast.

For the Taj Air Offer

1. Card holder needs to send an email to tajair@tajhotels.com informing them about his requirement

and offer. The team manning this email id will guide the customer for all next steps.

Concierge and Dining

1. “User” refers to an individual who holds a valid Membership Card issued by HDFC Bank or

selected Credit Cardholders of an issuing bank or is a specified customer who has an

arrangement with HDFC Bank

2. The Services provided by International SOS under this Agreement are rendered in India only.3.

International SOS shall endeavour on a best effort basis to provide the Services by any assistanceservice

and intervention depends upon, and is subject to local resource availability and mustremain within the

scope of national and international law and regulations.

4. International SOS shall provide users with 24 hours a day, 7-days a week access to Hindi and

English speaking Operations Coordinators via a fully-manned International SOS Alarm Centre. For

the avoidance of doubt, users shall only contact the International SOS Alarm Centre to request

for services. Users are not allowed to contact other International SOS alarm centers other than

the International SOS Alarm Centre, which has been provided by International SOS to HDFC

Bank.

5. When immediately available, International SOS shall provide the services to the user whilst the

user is on the telephone. In all other cases, International SOS will provide the information by the

quickest possible means.

6. For dispute arising through the request, International SOS will escalate the user request to HDFC

Bank.

7. International SOS shall, subject to the scope of services as defined in the agreement, provide the

services to a user calling International SOS Alarm Centre.

8. HDFC Bank shall ensure that all contracts entered into, between HDFC Bank and the Users,

contain an express provision, whereby the users consent to, or otherwise obtain the users'

consent to International SOS recording telephone calls with the users and sharing those

telephone recordings, and any other information obtained about the users, with HDFC Bank. All

user calls are recorded and are proprietary. These calls can be shared either with the user’s

consent or International SOS legal consent.

9. All referrals and assistance to the user are provided via a network of providers and International

SOS holds no responsibility on their behalf, unless contracted.

10. All calls are recorded and are proprietary. These calls can be shared either by the Card Member's

consent or International SOS legal consent. All requests shall promptly be assisted without anydemur or

cavil on a best efforts basis with the Bank resolving all queries, complaints and claims

made by its Users.11. The Service Provider shall promptly assist the Bank without any demur or cavil on

a best efforts

basis in the Bank resolving all queries, complaints and claims made by its users in regard to

and/or in respect of and/or arising out of the Services.

12. Calls made from outside India will not be toll-free. International calling charges will apply.Small

Luxury Hotels

These Terms and Conditions govern The Club of Small Luxury Hotels of the World, (hereafter refered to

as "The Club") operated by Small Luxury Hotels of the World limited. Please read these Terms and

Conditions carefully as some provisions restrict our liability to you.

You must check these Terms and Conditions for changes each time you intend to use The Club. If you

disagree with any part of the Terms and Conditions you may not use The Club programme in any way.

This version of the Terms and Conditions came into effect in June 2011.

Your use of the SLH website (being www.slh.com or any related Web page or website also bearing the

SLH branding) is subject to the Terms of Use of the Website.

1. Who we are and how to contact us

1.1 "The Club" is a customer recognition programme operated by Small Luxury Hotels of the World

Limited (UK registered company no. 2547272, VAT registration no. 602803477) whose registered

office is at 3rd Floor, Portland House, Bressenden Place, London, SW1E 5BH, England ("we" or

"us").

2. "The Club" Programme

2.1 Membership of The Club is free of charge. There are three levels of membership and the

member's level is determined by the number of completed qualifying stays. The booking must be

made as a Club member at a participating SLH hotel, with the Club membership number given at

the time of booking and must be made through the SLH reservation channels (via slh.com, our

reservation telephone lines, or through your travel agent using the LX code). All qualifying stays and

complimentary nights are subject to the standard SLH Reservation Policy

set out at www.slh.com. Your membership entitles you to the following benefits or services (the

"Benefits"):

2.1.1 Club Member Benefits

Tier 1: 'Special' Member

• Complimentary Upgrade (subject to availability at time of check-in)

• Access to Club Exclusive Rates

• Access to Club Reservations Telephone Number*

• Access to Club Exclusive Partner Offers

*Available during UK office hours (Monday to Friday, 9.00 a.m. to 5.00 p.m.)Within 72 hours after

returning from the first qualifying stay at an SLH hotel, the Special Club

member will be elevated automatically to

Tier 2: 'Loved' Club membership. On this date (referred to as 'status year start date', the member

will be entitled to Tier 2: 'Loved' Club Benefits for the following 12-month period, until their

'status year end date'.

2.1.2 Tier 2: 'Loved' Club Member Benefits

• Complimentary Room Upgrade (subject to availability at time of check-in)

• Access to Club Exclusive Rates

• Access to Club Reservations Telephone Number*

• Access to Club Exclusive Partner Offers

• Daily Complimentary continental breakfast for two

• Late Check-out (subject to availability)

*Available during UK office hours (Monday to Friday, 9.00 a.m. to 5.00 p.m.)

Upon a member's status year end date there will be an annual review conducted. If the 'Loved'

Club member has made between 1 and 4 completed qualifying stays during the prior 12 months,

they will retain 'Loved' Club Member status for a further 12 months. Upon the 'Loved' Club member's

status year end date, if they have failed to complete at least

one qualifying stay, they will be relegated to 'Special' Member (Tier 1) level until they complete another

qualifying stay. SLH will inform the Club Member via email within 72 hours of their

status year end date.

If during their 12 month period as a 'Loved' Club member, the member completes five qualifying

stays, they will be elevated to 'Honoured' Club membership within 72 hours after their return

from their fifth qualifying stay. Upon this date, their status year start date (and therefore also

their status year end date) will be reset and they will enjoy 'Honoured' Club membership for 12

months.

2.1.3 Tier 3: 'Honoured' Club Member Benefits

Priority Complimentary room upgrade (subject to availability at time of check-in)

• Access to Club Exclusive Rates

• Access to Club Reservations Telephone Number*

• Access to Club Exclusive Partner Offers • Daily Complimentary continental breakfast for two

• Late Check-out (subject to availability)

• Early Check-in (subject to availability)

• Complimentary room nights (See point 2.1.4)

*Available during UK office hours (Monday to Friday, 9.00 a.m. to 5.00 p.m.)

Upon the 'Honoured' Club member's status year end date, there will be an annual review

conducted. If the member has made 5 completed qualifying stays during the prior 12 months,

they will retain their 'Honoured' Club status for a further 12 months. If however, they have only

completed between 1 and 4 qualifying stays, they will be relegated to 'Loved' Club status for 12

months and if they have not made a single booking they will be demoted to 'Special' Club

member status.

This process of annual review and membership status determination will be on going during the

customer's time as a Club member.

2.1.4 'Honoured' Club Member Complimentary nights programme

Upon qualification to 'Honoured' Club membership, the member will receive a voucher for a

complimentary night. Terms and conditions apply to the redemption of complimentary nights.

For every further 5 qualifying stays completed by an 'Honoured' Club member in the 12 month

time frame from their status year start date to their status year end date, the member will

receive a voucher for an additional complimentary night at a participating SLH hotel. Also see

point 2.1.6.

2.1.5 Qualifying Stays

The Club membership number must be quoted at the time of booking. Reservations made

without providing the membership number will not be counted as qualifying stays and are not

eligible for Club benefits.

There is no limit to the number of complimentary nights you can earn.

A "qualifying stay" is one stay at a participating SLH hotel, regardless of the total number of

consecutive nights, whether or not a guest checks out and checks back in again, pursuant to a

reservation made at a publically available rate or a Club Exclusive rate. A “qualifying stay”

requires that the member checks in at the hotel on the date of the reservation and resides in the

room for a minimum of one night. The qualifying stay date will be determined by the check-out

date. Only non-contiguous stays will qualify as separate qualifying stays. For example, a member with

three reservations for the same hotel on three consecutive days will only receive credit for one

“qualifying stay”.

Qualifying stays are calculated during a 12-month time frame, determined by the members'

individual status year start date and status year end date. Qualifying stays may not be carried

over to a subsequent status year.

SLH reserves the right to modify any qualifying stays posted to a member's account in error. A stay will

not be qualified for a "no show" situation, when a member has made a reservation

guaranteed with a Credit Card but then does not check in to the hotel, whether or not the

member's Credit Card is charged for any portion of the reserved stay as per the hotel's "no

show" policy. If a member uses a complimentary night voucher for a single, complimentary night

at a

participating Hotel, this night will not be a “qualifying stay”. If a member uses a voucher for a

free night during a multi-night stay, the nights for which the member has paid will NOT be

considered a “qualifying stay” and will not count toward the five stays required for an additional

award certificate.

A “qualifying stay” does not include any stays of the following nature: any bookings directly with

the hotel, wholesale/tour operator packages; non-publically available rates, contracted airline

crew rates; travel industry rates (including but not limited to travel agent discount rates);

complimentary nights; bookings made via an online travel agent or any other stay that is not

reserved through the SLH reservation channels. SLH Reservation channels include slh.com, our

telephone reservation lines and travel agents.

A Member will be notified via email that he or she has earned a complimentary night within 72

hours of qualifying as an Honoured Member.

Provided a member complies with the requirements, there is no limit to the number of

complimentary nights that a member can earn in their status year.

A qualifying stay must be booked by the Club Member for that Club Member, and the Club

Membership Number must be recorded on the booking.

2.1.6 Complimentary Nights

The terms and conditions of Small Luxury Hotels of the World™ complimentary nights are as

follows:

• Complimentary Night voucher codes can only be used once and are valid for 12 monthsfrom the date

they are awarded.

• The Complimentary Night relates to standard double room accommodation only. • It is always subject

to availability; (i.e. at the hotel's discretion. If a booking is requested

during the hotel's peak season, they are entitled to deny confirmation).

• Hotel availability for the claiming of this voucher for complimentary nights may differfrom general

online availability. Your voucher is subject to the availability of

complimentary nights.

• A minimum of two (2) weeks notice must be given.

• All booking requests must be made by email only to the UK office to vouchers@slh.com.

• All food, beverages, taxes, and other incidental costs incurred by the guest are to be

settled prior to departure from, and direct with, the individual hotel.

• Complimentary night reservations are non-flexible and once confirmed by SLH, no

alterations or cancellations can be made. In case of alteration or cancellation, you will

forfeit the Complimentary Night(s).

• The usual benefits of The Club of Small Luxury Hotels of the World are not provided for

Complimentary Nights, or for nights booked as part of the same reservation.

• Guests who choose to utilise their room nights at an all-inclusive SLH hotel will incur an

additional charge, which will vary depending on the property selected.

• The Small Luxury Hotels of the World has the right to update these terms and

conditions. The claiming of room nights will be governed by the terms and conditions

that are in place at the time the room nights are claimed rather than issued.

2.1.7 Complimentary Breakfast

In exceptional circumstances, when a hotel is not able to provide a continental breakfast, a

US$20 credit (or equivalent in local currency at the hotel's prevailing exchange rate) will be

offered per room, per night, to be used towards food and beverages at the hotel.

2.2 You can join "The Club" by registering online at www.slh.com/club/club-registration. We will ask

you to provide us with your contact details and to fill in a personal profile to allow us and our

member hotels to give you personalised service. You agree that the details you provide will be t

rue, accurate and up-to-date.

2.3 Our use of your personal details is governed by our Privacy Policy, which you should read

carefully. By consenting to these Terms and Conditions and by supplying your personal

information to us, you consent to the terms of the Privacy Policy.

2.4 Your membership starts from the moment you successfully complete the online registration form

and receive a unique membership number. You must keep your membership number and

password safe and not divulge them to any person other than us. Your Club membership card remains

our property and you may not lend or give your membership card to anyone else. You

may not allow others to use your registration details and password to access the Website. You

agree to immediately notify us of any unauthorised use of your registration details and password

or any other breach of security of which you become aware. You must not use your membership

for speculative, false or fraudulent bookings.

2.5 Only individuals are eligible to join The Club. Corporate bodies, partnerships, trade associations

and other commercial bodies are excluded, as are persons under 18 years of age. Only one

membership is available per person. Joint or family membership is not available.

2.6 Any reservation contract or contract for any benefit provided by any of our participating member

hotels is between you and that hotel. The contract between you and a member hotel is formed

when you make an offer by placing a booking and the hotel accepts that offer. All benefits from

our member hotels are subject to each hotel's individual terms and conditions. Our participating

member hotels may change at any time without notice. We are not responsible for any changes

or cancellations to any benefits which may occur as a result of changes to participating member

hotels.

2.7 The Club membership is offered to you free of charge and we reserve the right to discontinue or

change all or part of the benefits or the content of the Website, at our sole discretion at any timewith or

without notice. Benefits shown in The Club's newsletter or on the Website may change

or be withdrawn at any time, so you must ensure you check all details at the time of booking. All

benefits are subject to availability.

2.8 You may terminate your membership of The Club at any time by writing to The Club Manager at

the address above and returning your Membership Card.2.9 We may terminate your membership of

The Club by written notice to you if you breach any of

these terms and conditions, fail to pay a bill due to us or our member hotels or abuse the

benefits.

2.10 We may terminate The Club programme at any time upon three months' notice to you. We may

terminate The Club programme or any membership immediately in any jurisdiction if required to

by applicable local law. We may amend the benefits or amend the terms and conditions at any

time without notice.

2.11 Subject to clause 2.12 below, SLH disclaims, to the fullest extent permissible by law, all liability

for losses, damages and costs whatsoever, (whether direct, indirect, consequential or

otherwise), arising, either directly or indirectly, from The Club programme, the benefits or the

use of any material contained on the Website by you, including without limitation any acts or

omissions by its member hotels, whether those losses claims or damages result from our

negligence or otherwise.

2.12 We do not exclude our liability to you for: (a) death or personal injury caused by our negligence; or

(b) fraudulent misrepresentation by us.

3. Exclusion of Third Party Rights

The Contracts (Rights of Third Parties) Act 1999 shall not apply to this agreement which means

that no third party shall be entitled to claim any rights or benefits under these Terms and

Conditions.

4. Invalidity and SeverabilityIf any provision of these Terms and Conditions is or becomes for any reason

whatsoever invalid,

illegal or unenforceable, it shall be divisible from these Terms and Conditions and shall be

deemed to be deleted from them and the validity of the remaining provisions shall not be

affected in any way.

5. Entire Agreement

5.1 These Terms and Conditions, together with the Terms and Conditions for Use of the Website,

theSLH Reservation Policy and the SLH Privacy Policy constitute the entire agreement between you

and us regarding your membership of The Club and the Benefits, which means that you will not

be able to claim that we made any representations or warranties other than contained in these

Terms and Conditions and the Terms and Conditions referred to above.

5.2 Please note that additional terms and conditions apply to any additional or separate services

which you purchase or have purchased from us or any third parties (including SLH member hotels).

6. Law and Jurisdiction

These Terms and Conditions (and any dispute, controversy, proceedings or claim of whatever

nature arising out of or in any way relating to these Terms and Conditions) shall be governed by

and construed in accordance with English law and you irrevocably agree that only the courts of

England shall hear and decide any suit, action or proceedings, and/or to settle any disputes

which may arise out of or in connection with these Terms and Conditions. You may therefore not

bring any actions against us in a court outside England.

7. Contact Us

Please contact The Club Manager with any queries or problems regarding The Club via email on

club@slh.comMiles Exchange and Unparalleled Rewards

List of participating Airlines and Hotels

Airlines:

Thai Airways American AirlinesVirgin Atlantic Delta Airlines

El Al Airlines Frontier Airlines

SAS Air Canada

Hawaiian Airlines Iceland Air

Southwest Airlines Singapore Airlines

Domestic carriers include Jet, Air India, Kingfisher and Indigo

Hotels: • Hyatt Hotels

• Marriott Hotels

Note: All tie-ups may change from time-to-time, without prior notice. Please visit

www.hdfcbankdinersclub.com for updates on tie-ups.

DEFINITION OF TERMS ASSOCIATED WITH THE REWARDS PROGRAMME

The Bank reserves the right to vary any of the Terms and Conditions of use stated below from time to

time with due intimation to the Cardmember through the Bank’s website and by other acceptable

modes of communication.

• ‘Rewards Programme’ means the programme offered by the Bank under which its Cardmembers

will be allowed to accumulate Reward Points for purchases (goods and services) made at

Merchant Establishments by using the Card and/or any other Card usage deemed eligible by the

Bank. The Cardmember may be allowed to redeem the Reward Points so accumulated against

products and/or discounts and/or services offered by the Bank from time to time.

• ‘Loyalty Programmes’ mean the programmes conducted by a strategic partner of the Bank under

which Cardmembers will be allowed to transfer Reward Points to these Loyalty Programmes (as

and when made available) as per the Terms and Conditions in the Rewards Programme from

time to time. The details of the Reward Points that can be transferred will be updated in the

Rewards Catalogue from time to time.• ‘Reward Points List’ means the list published by the Bank from

time to time, of the number ofReward Points required to claim a product(s) or service(s) in

accordance with the Reward

Programme’s Terms and Conditions.

• ‘Reward Points’ or ‘Points’ means units added to or subtracted from a Reward Points records in

the Bank’s books in accordance with the Reward Programme’s Terms and Conditions.

• ‘Reward Points Record’ means a record maintained by the Bank in relation to a Card Account for

the purpose of tracking accumulated Reward Points and for determining when the Cardmember

becomes entitled to claim an item from the Rewards Catalogue.• ‘Rewards Service Centre’ or

‘Rewards Redemption Centre’ means the centre designated to

handle queries on Reward Points/redemption of Reward Points and/or all rewards related

queries on the Rewards Programme and/or handle despatch of items and Reward Certificates.

• ‘Rewards Catalogue’ hereinafter referred to as the Catalogue, means the Catalogue published

from time to time by the Bank, of merchandise available for redemption that may be claimed by

the Cardmember in accordance with the Reward Programme’s Terms and Conditions and any

Terms and Conditions in the Catalogue.

• ‘Reward Certificates’ means a specific Redemption Voucher issued under the Rewards

Programme by the Bank to a Cardmember when a request is made by the Cardmember for a

redemption of Reward Points against products and/or discounts and/or services.

REWARDS PROGRAMME

Reward Points accrued will reflect in the Statement as a message and will reflect as ‘Reward Points

Summary’.

The following will reflect under the Reward Points Status:

• Opening Balance

• Earned

• Adjusted

• Closing Balance‘Closing Balance’ means Reward Points that can be redeemed by the Cardmember for

merchandise

(goods/services) from the Rewards Catalogue or for Rewards Certificate. Reward Points will become

available for redemption only when the Reward Points reflect in your Statement of Account in the

‘Closing Balance’ field. Minimum number of Reward Points that can be redeemed are 500 Reward

Points.

HDFC Bank reserves the right to amend the minimum number of Reward Points required for redemption

from time to time with due intimation to the Cardmember through the Bank’s website and by other

acceptable modes of communication.‘Reward Points earned this month’ means Reward Points that

have accrued on the transactions

appearing on the Cardmember’s Statement of Account.

REWARDS TERMS AND CONDITIONS

Rewards Programme is voluntary and it is understood that all charges are voluntarily incurred by the

Cardmember in the normal course of Card usage. Further nothing contained herein will prejudice or

affect the Terms and Conditions of Cardmember Agreement. The terms in this Rewards Programme will

be in addition to and not in derogation of the terms contained in the Cardmember Agreement.Rewards

Programme is a feature made available by the Bank and the Bank expressly reserves the right,

at any time, to add to and/or alter, modify, change or vary all or any of the Terms and Conditions or to

replace wholly or in part, this Rewards Programme by another Rewards Programme, or withdraw it

altogether, without assigning any reasons and with due intimation to the Cardmember through the

Bank’s website and by other acceptable modes of communication, even though the changes may affect

Reward Points already accumulated.

Cardmembers may be notified of changes to these Terms and Conditions in such manner as determined

by the Bank from time to time.

EARNING REWARD POINTS

1. Cardmembers may accumulate Reward Points for purchases (goods and services) made at

Merchant Establishments by using the Card and/or any other Card usage deemed eligible by theBank.

2. However, Reward Points will not accrue on interest charges, government taxes/charges, fees,

Card Account adjustments resulting from disputed transactions or otherwise, cash advances,

quasi cash transactions, and any transaction that is treated as a cash advance, such as transfers

from other Financial Institution’s Card Accounts, for example Balance Transfer, Foreign Exchange,

Traveller’s Cheques and gambling chip purchases, and utility bills and/or as notified by the Bank

from time to time.

3. The Reward Points accrued may be accumulated by a Cardmember. Reward Points may also beadded

to the Cardmember’s Point Record for promotional and incentive programmes offered

from time to time.

4. The number of Reward Points that may be provided from time to time for transactions will be

specified in the latest Rewards Catalogue or other communication from the Bank.

5. When the Cardmember obtains a refund or reimbursement for charges previously incurred (for

example, for returned merchandise or a cancelled transaction) a credit will be issued to the Card

Account in the amount of reimbursement granted. Such credits posted to the Card Account

including but not limited to those arising from returned goods or services or cancelled

transactions, will reduce the Reward Points accrued to the Card Account referable to the

adjustments.

6. The Bank’s computation of Reward Points shall be final, conclusive and binding on the

Cardmember and will not be liable to be disputed or questioned.

7. Reward Points have no monetary value, except in respect of the value assigned by the Bank, are

not convertible and can only be redeemed for items from the Rewards Catalogue. The

obligation, if any, to provide Reward Points in accordance with the Terms and Conditions, the

Reward List and the Rewards Catalogue is of the Bank and the Cardmember will have no

recourse against any Merchant Establishments in respect of Reward Points recorded in

theCardmember’s Reward Points Record. There will be no refunds for Reward Points that are

redeemed. Reward Points may not be transferred or sold.

8. Reward Points will accrue monthly, based on the relevant Card Account billing cycle and use of

the Card or Card Account in the previous month. The Bank expressly reserves the right at its

discretion to at any time establish additional means of accruing Reward Points, to delete any or

all of the means currently recognised or to exclude specific types of transactions from

accumulation of Reward Points.9. Reward Points will reflect as a message in the Card Statement. The

message will indicate Reward

Points earned in the current month for the transactions that are specified in the Statement inthe month,

together with information on Reward Points that are available to be redeemed. The

Reward Points for redemption are Reward Points net of total points earned and redeemed for

the previous month and net of adjustments (corrections/reversals). Request for missing Reward

Points must be submitted promptly in writing to: The Manager - Customer Services, HDFC Bank

Cards Division and be accompanied by a legible copy of the relevant sales receipts or Card

Account Statements. The Bank will investigate all Reward Points queries but reserves the right to

be the final arbiter in the event of any dispute. The Bank further reserves the right to adjust

Reward Points Records retrospectively in the event of incorrect crediting or otherwise. The Card

Statement will not carry the Reward Points message if the account is irregular or is not

conducted as per the Bank’s Terms and Conditions.

10. The Bank reserves the right to cancel or suspend Reward Points relating to the Card Account if it

is in arrears, suspension or default or if the Card Account is or is reasonably suspected to be

operated fraudulently. Reward Points earned but not redeemed at the time of death of the

Cardmember shall be forfeited.

11. The Bank will make reasonable attempts to transmit information on Reward Points on the

monthly Card Statements, notices and/or any other material relevant to the Cardmember to

advise the Cardmember of various matters of interest including changes to Terms and Conditionsof the

Rewards Programme. The Rewards Catalogue or the Reward Points list of the Bank

expressly disclaims any liability for failure to do so. The Bank will not be responsible for

Correspondence on the above to the Cardmember, lost or delayed in the mail. Any Card

Statement or notice will be deemed to have been given by the Bank if posted to the

Cardmember’s mailing address provided to the Bank. The Cardmember is responsible for

advising the Bank in writing of any change in address.

12. Subject to Clause 11 (mentioned above) the Cardmember’s entitlement to redeem Reward

Points is based on the Reward Points message in the Card Statement in relation to a Card

Account. The number of Reward Points required to acquire Reward Points on various otherLoyalty

Programmes (as and when introduced) may vary from time to time and the Bank

reserves the sole right to change Reward Points allocated.

13. In the event a Card Account is closed, the Bank will notify the Cardmember of such closure and

any allowable claim for redemption of Reward Points must be made within 30 days of the date

of closure. In the event the Rewards Programme is terminated, the Bank will notify the

Cardmember of such termination and any allowable claim for redemption of Reward Points must

be made within 90 days of the termination.

14. Items available for redemption of Reward Points can only be selected from the latest Rewards

Catalogue published by the Bank from time to time.

15. The Bank will not be liable for any delay or inability in the provision of any items from the

Rewards Catalogue caused by circumstances such as and including but not limited to strike or

industrial disputes, acts of Natural calamity,flood, weather, aircraft non-serviceability or

unavailability, war or civil disturbance.

16. The Bank gives no warranty (whether expressly or implied) whatsoever with respect to

products/services (including quality/suitability) acquired by the Cardmember under the Rewards

Programme.REDEMPTION OF REWARD POINTS1. All questions or disputes regarding eligibility for

Redemption or eligibility of Reward Points for

accrual will be resolved by the Bank at its discretion.

2. If a Card Account is in arrears, suspension, and default or suspected/proven fraudulent,

redemption of Reward Points will not be permissible.

3. Cardmember may choose to accrue further Reward Points towards a higher redemption value or

multiple redemption values; or make a claim for redemption, if sufficient Reward Points have

been accumulated subject to the validity of the programme

4. Cardmember must accumulate at least 500 Reward Points to be eligible to make a claim for

redemption of Reward Points. The Bank reserves the right to change the minimum number of

Reward Points without notice and without assigning reasons. The change, if any, caused byredemption

will reflect in the Statement of Account in the ‘Closing Balance’ field.

5. All the redemption requests of the Cardmember would attract a transaction fee or Rs. 75 (which

may be amended by the Bank from time to time). These charges are however not currently

applicable if the Reward Points are redeemed against the Annual membership fees.

6. Kindly allow 3-4 weeks time for delivery of items redeemed, subject to availability.

7. Cardmember can use any of the redemption options specified in the Rewards Catalogue from

time to time.

HDFC Bank reserves the right to alter/modify/remove altogether any or all of the above with due

intimation to the Cardmember through the Bank’s website and by other acceptable modes of

communication.

MERCHANDISE FROM REWARDS CATALOGUE

After accumulating the required number of Reward Points, the Cardmember may, subject to the number

of Reward Points, subject to the time limits for using the Reward Points and any restrictions on the

number of redemption options, request for redemption of Reward Points in accordance with the latest

Reward Points List and Rewards Catalogue.Cardmember should complete the rewards coupon and mail

it to the specified address for redemption

of

the Reward Points. Subject to the Terms and Conditions and any Terms and Conditions in the Rewards

Catalogue, the Bank or its duly appointed agent will forward the merchandise requested for to the

Cardmember only after a request is made for redemption of Reward Points and only to the

Cardmember’s mailing address in India as per the Bank’s records. Merchandise will not be forwarded to

P.O. Box addresses. If the Cardmember does not receive the Merchandise ordered, he should inform the

Rewards Service Centre in writing at the earliest. Merchandise once ordered cannot be changed for

some other Merchandise within the Rewards Catalogue. Merchandise once ordered cannot be

returned/exchanged unless the merchandise is delivered defective. Complaints regarding defective

goods and any other queries must be made to the Rewards Service Centre in writing. Complaints

ondefective Merchandise must be made within seven days of receipt of merchandise. Complaints

received

thereafter will not be entertained. Some Merchandise may be accompanied by warranty information

from the manufacturer. No merchandise/article/gift voucher will be taken back/replaced if returned to

HDFC Bank or its representative in a tampered/damaged condition.All warranty claims must be directed

to the manufacturer. If damage is evident from the condition to the

packaging, Cardmember should refuse the consignment and get a refusal note from the

couriercompany. The refusal notes should be faxed/couriered to the Rewards Service Centre. All

disputes

relating to merchandise/services are to be taken up directly with the manufacturers/suppliers thereof.

All items in the Rewards Catalogue are subject to availability and substitutions may be necessary. Special

conditions may apply in relation to individual items.

REWARD POINTS ADJUSTMENTS/DEDUCTION

1. Reward Points used to redeem an item from the Rewards Catalogue will be deducted from the

Cardmember’s Reward Points Record at the time the request is received by the Reward Service

Centre and the adjustment will reflect in the next month’s Card Statement. All enquiries

regarding Reward Points in the Card Statements must be made to the Reward Service Centrewithin 90

days of the date of issue of the Card Statement.

Redemption requests must be made by the Primary Cardmember only. Add-on Cardmembers

are not entitled to redeem Reward Points. Cardmember cannot make redemption requests by

pooling Reward Points on different Card Accounts. Items once claimed, as Rewards cannot be

returned for Points to a Reward Points Record or encashed. Transfer of Reward Points to other

Loyalty Programmes will be solely at the discretion of the Bank and subject to the Terms and

Conditions applicable to the respective Loyalty Programmes relating thereto from time to time.

2. Except as provided in any law which cannot be lawfully excluded or modified by agreement, the

Bank makes no warranties or representations either express or implied and the Bank disclaims

any and all liabilities (including consequential damages) with respect to type, quality, standard orfitness

or suitability for any purpose of Rewards. The Bank expressly disclaims any and all

liabilities with respect to negligence and breach of terms implied by law (including statutes). The

Bank does not accept any liability with respect to death, injury or any consequential loss arising

from the supply of a Reward or from the loss, theft or destruction of a Reward. In the event that

the Bank is liable for breach of any item implied by law, the Bank limits that liability where they

are entitled to do so to: Replacements or repair of the merchandise or payment of the cost of

replacing or repairing the merchandise and supplying the services against or payment of the cost

of having the services supplied again.

3. The Bank may at any time and in its discretion, and without prior notice to the Cardmember,

withdraw, limit, modify, cancel or increase the continued availability of any Reward or the

number of Reward Point(s) required to obtain a particular Reward. The Bank expressly reserves

the right to limit the number of multiple redemption options of any one type which a

Cardmember may claim at any one time or from time to time.

4. The Bank would specify a time frame from time to time within which the Points accrued by the

Cardmember may be redeemed. Points not redeemed within such specified time limit would belapsed

and the Bank will not be responsible for claim of gifts against such lapsed points.

5. Every effort would be made to ensure that the information provided in the Reward Points List,

Card Statement and Rewards Catalogue are current before claiming a Reward. However, the

Bank expressly disclaims any responsibility for any inaccuracy or misdescription. As the items

offered in the Rewards Catalogue may change from time to time the Cardmember should always

contact the Reward Service Centre to ensure that their Reward Points List, Card Statement and

the Rewards Catalogue are current before claiming a Reward.

6. Any tax liability, stamp or other duty or other government charge where reporting is required in

connection with or on any benefit derived by the Cardmember from the use of a Card by him orher or

by an additional Cardmember or receipt of a Reward is the Cardmember’s sole

responsibility.Terms and Conditions for Miles Exchange

1. The qualification of redemption is subject to the accrual of minimum mileage points and

duration as specified by the respective airline

2. All the other conditions as specified by the respective airlines will be applicable

3. In case of E-voucher usage for bookings at respective Airline website/Airline Call Centres, the

applicable taxes, if any, need to be borne by the Cardholder

4. HDFC Bank has the right to change or amend this facility without prior notice to the Cardholder

5. All other Terms and Conditions of Rewards program are applicable

Unparalleled Protection

*Please note that all the above insurance covers are valid for Primary Cardmember only and will be

available only after the Cardmember activates his/her HDFC Bank Diners Club International Credit Card.

Activation is defined as first purchase at a retail outlet or cash withdrawal from an ATM using the HDFC

Bank Diners Club International Credit Card. These insurance covers are not provided by HDFC Bank.

Exclusions/ Limitations are applicable as per the policy of the insurance company with whom HDFC Bank

has tied up for providing these covers. For more details, please contact HDFC Ergo Toll Free

Number1800-2700-700 or write to bankclaims@hdfcergo.com

Club Shipping

By using the website and services, provided by MyUS.com and Diners Club International Ltd.

("Services"),

you agree to use the Services only for purposes that are permitted by (a) the terms and (b) any

applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions

(including any laws regarding the export of goods, to and from the United States or other relevant

countries). Further, Diners Club International Ltd., its subsidiaries, affiliates, and its licensor expressly

disclaim all warranties and conditions of any kind, whether express or implied, including, but not limited

to the implied warranties and conditions of merchantability, fitness for a particular purpose and

noninfringement. Diners Club International Ltd. does not represent or warrant to you that your use of

the

services will meet your requirements.