HDFC Bank Diners Club Privilege Credit Card
Updated on September 17, 2026
🎖️Reward Rate
4 Reward Points on every ₹200 retail spend
Overview
HDFC Diners Privilege Credit Card is an HDFC Bank credit card. The information below is presented from the official HDFC Bank product information reviewed for this record. Fees are shown before applicable taxes where the bank states that taxes apply; eligibility, reward rates, caps, exclusions and benefit conditions are included where officially documented. Where HDFC's own pages contain conflicting information, the conflict is explicitly disclosed instead of being assumed or hidden.
Rewards
Reward Type
Reward Points
Reward Rate
- • 4 Reward Points on every ₹200 retail spend
- • 20 Reward Points on every ₹200 spent on Swiggy and Zomato (5X)
- • Up to 10X Reward Points on spends via SmartBuy
Welcome Benefit
Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within the first 90 days of card issuance
Milestone Benefit
₹1,500 worth of vouchers (Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Dominos) on quarterly spend of ₹1.5 Lakhs; From 1 July 2026: 3 airport lounge access vouchers per calendar quarter (2 domestic + 1 international) on ₹60,000 eligible spend in the previous quarter
Redemption
- • SmartBuy (flights/hotels): ₹0.50 per point
- • Exclusive catalogue: up to ₹0.35 per point
- • Select restaurants: ₹0.50 per point
- • Cashback: up to ₹0.20 per point
Benefits
- Buy 1 Get 1 on weekend movie tickets (Fri/Sat/Sun shows), up to 2 free tickets per calendar month, up to ₹250 per ticket
- Extra 10% off on Dineout bill at participating restaurants
- 2 domestic and 1 international lounge visit per calendar quarter on spending ₹60,000 in the previous quarter
- Air accident insurance cover of $125,000
- Emergency overseas hospitalization cover of $31,250
- Travel insurance cover up to $625 on baggage delay
- Credit liability cover up to ₹9 Lakh
- Smart EMI conversion for big spends, 9-36 months tenure
- Revolving credit at a nominal interest rate
Things to Know Before you apply
HDFC Bank Diners Club Privilege Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: net monthly income of ₹35,000; Self-employed: annual ITR above ₹6,00,000
- Salaried, Self-Employed
- Indian national
HDFC Bank Diners Club Privilege Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: 022-61606160
- Concierge Service: 1860 425 1188
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Not disclosed on HDFC's official page |
Fee waiver: Spend ₹3,00,000 or more in a year, before the renewal date, to get the renewal fee waived off
PaisaSimple Review
Overall Rating
4.8/5What do we like about this card?
Official-data summary; not a bank-issued rating. Rewards include 4 points per ₹200 on eligible retail spending, 5X-equivalent rewards on eligible Swiggy/Zomato online food orders, and up to 10X through SmartBuy. Lifestyle benefits include memberships, movie and dining offers, milestone vouchers and conditional lounge access.
Pros
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
Cons
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel
Compare with Similar Cards
Joining Fee
₹1,000
Annual/Renewal Fee
₹1,000
Joining Fee
₹1,499
Annual/Renewal Fee
₹1,499
Joining Fee
₹2,999
Annual/Renewal Fee
₹2,999
- • Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within the first 90 days of card issuance
- • Welcome Benefit - Bonus points: Get 6,000 bonus reward points worth Rs. 1,500 on payment of Annual Fee
- • 4 Reward Points on every ₹200 retail spend
- • 20 Reward Points on every ₹200 spent on Swiggy and Zomato (5X)
- • Up to 10X Reward Points on spends via SmartBuy
- • Reward Rate — BPCL fuel - Accelerated rewards on BPCL fuel/lubricants: 7.25% value back (~25X Reward Points) on BPCL fuel purchases
- • 25 RP per ₹100 on BPCL Fuel, Lubricants & Bharat Gas (website & app only)
- • capped at 2,500 RP per billing cycle
- • Reward Rate — Dining/Grocery/Movies - 10 RP per ₹100: 10 RP per ₹100 on Dining, Departmental Stores, Grocery & Movies — capped at up to 7,500 RP per month
- • Reward Rate — Bharat Gas - Bharat Gas category: 25 RP per ₹100 on Bharat Gas (website & app only), capped at 500 RP per billing cycle
- • Reward Rate — Other retail - Base reward rate: 1 RP per ₹100 on other retail purchases (except mobile wallet upload & non-BPCL fuel spends)
- • Accelerated category: Get 10 reward points on dining, departmental stores, and grocery spends
- • Utility bill standing instruction bonus: Get 20 Reward Points on utility bill payment standing instructions
- • Birthday bonus: Earn 20 Reward Points per ₹100 on birthday spends, valid one day before, on, and one day after your birthday
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel
- • Annual renewal fee of ₹2999
- • Reward exclusion on fuel purchases and wallet load transactions