HDFC Bank Diners Club Privilege Credit Card
The HDFC Bank Diners Club Privilege Credit Card is a premium credit card from HDFC Bank, with a joining fee of ₹1,000 + GST.
It earns up to 40 pts per ₹200 (≈8.0% value) on smartbuy flights hotels spends in the form of reward points (points).
Cardholders get 2 quarterly domestic + 1 quarterly international airport lounge access, plus complimentary annual swiggy one & times prime memberships as a welcome benefit.
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 40 pts per ₹200 on smartbuy flights hotels (cap 7500 points / monthly)
- 20 pts per ₹200 on dining food delivery (cap 2500 points / monthly)
- Base 0.80% on other spends
- Complimentary annual Swiggy One & Times Prime memberships
HDFCprivilegepremiumRewards and Benefits
- ₹1,50,000 / quarterly: Voucher worth ₹1,500 (Marriott Experience / Barbeque Nation / Lakme Salon / O2 Spa / Decathlon / Dominos)
- air accident: ₹1,00,00,000
- travel medical: ₹25,00,000
- credit shield: ₹9,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.8% = ₹120/mo
- Groceries₹8,000 · 0.8% = ₹64/mo
- Dining & food delivery₹8,000 · 0.8% = ₹64/mo
Dining & food delivery — earns base; accelerated rate needs booking via swiggy, zomato
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.8% = ₹80/mo
Travel & hotels — earns base; accelerated rate needs booking via smartbuy
- Utilities & bills₹5,000 · 0.8% = ₹40/mo
₹4,416 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by HDFC Bank.
- Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹3,00,000.
- Available on the Diners Club International network.
- Complimentary airport lounge access: domestic (2/quarterly) + international (1/quarterly).
- Insurance cover bundled: air accident, travel medical, credit shield.
Pros & Cons
- Annual fee waivable on ₹3,00,000 spend.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈8.0% on smartbuy flights hotels.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Welcome benefit
- Complimentary annual Swiggy One & Times Prime memberships₹75,000 spend within first 90 days of card issuanceWindow: 90 days from issuance.
Accelerated rewards
- 40 pts per ₹200 on smartbuy flights hotels (cap 7500 points / monthly)
- 20 pts per ₹200 on dining food delivery (cap 2500 points / monthly)5X Reward Points (20 per ₹200) on Swiggy & Zomato online food orders, capped at 2,500 RP/month.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
Milestone benefits
- ₹1,50,000 / quarterly: Voucher worth ₹1,500 (Marriott Experience / Barbeque Nation / Lakme Salon / O2 Spa / Decathlon / Dominos) (≈ ₹1,500 value)
Airport lounge access
Insurance benefits
- air accident: ₹1,00,00,000
- travel medical: ₹25,00,000Emergency medical expenses on international travel (USD 31,250); pre-existing illness excluded.
- credit shield: ₹9,00,000
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹4,20,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.
Salaried net monthly income ₹35,000+ (₹4.2L p.a.); self-employed ITR above ₹6L p.a.