HDFC Diners Privilege Credit Card
Updated on August 25, 2026
🎖️Reward Rate
4 RP/₹200 retail
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 RP/₹200 retail
- • 20 RP/₹200 on Swiggy/Zomato
- • up to 10X via SmartBuy.
Welcome Benefit
Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days.
Milestone Benefit
₹1,500 worth of vouchers on quarterly spend of ₹1.5 lakh.
Redemption
- • SmartBuy flights/hotels ₹0.50/RP
- • catalogue up to ₹0.35/RP
- • cashback ₹0.20/RP.
Benefits
- 4 Reward Points per ₹200 on eligible retail spends
- 20 Reward Points per ₹200 on eligible Swiggy and Zomato online food-delivery orders
- Up to 10X Reward Points through SmartBuy
- Complimentary annual Swiggy One and Times Prime memberships after ₹75,000 spend in the first 90 days
- ₹1,500 milestone vouchers on eligible quarterly spend of ₹1.5 lakh
- Weekend Buy 1 Get 1 movie-ticket benefit subject to programme limits
- Dining discount through participating Dineout restaurants
- From 1 July 2026, 3 airport lounge access vouchers per calendar quarter after ₹60,000 eligible spend in the previous quarter: 2 domestic and 1 international
- Air accident and overseas hospitalization insurance plus baggage-delay and credit-liability protection
- SmartEMI and revolving credit
- Up to 50 days interest-free credit subject to applicable conditions
Things to Know Before you apply
HDFC Diners Privilege Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: ₹35,000 monthly; Self-employed: ITR > ₹6 lakh annually.
- Salaried and Self-Employed
- Indian nationality
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Foreign Currency Mark-up Fee | 3.5% |
Fee waiver: Spend ₹3 lakh or more in a year before renewal to get the renewal fee waived for the following year.
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
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₹1,000
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₹1,499
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Joining Fee
₹2,999
Annual/Renewal Fee
₹2,999
- • Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days.
- • 6,000 bonus Reward Points worth ₹1,500 upon payment of joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Welcome e-gift voucher worth ₹3,000 across top brands (Bata, Marks & Spencer, Pantaloons, Shoppers Stop, Yatra)
- • Qualification Criteria: Payment of annual fee within 30 days
- • Fulfillment Timeline: 15 days post fee realization
- • 4 RP/₹200 retail
- • 20 RP/₹200 on Swiggy/Zomato
- • up to 10X via SmartBuy.
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Accelerated Rewards: 7.25% value back on BPCL fuel & lubricants: 25 Reward Points per ₹100 (6.25% value) + 1% fuel surcharge waiver (capped at 2,500 RPs per billing cycle). 10 RPs per ₹100 on Dining, Groceries, Departmental Stores & Movies.
- • Excluded Categories: Non-BPCL petrol pumps, Wallet loads
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
- • Accelerated Rewards: 10 Reward Points per ₹100 (2.5% return) on Dining, Groceries, Departmental stores and Movies. 20 Reward Points per ₹100 on your Birthday.
- • Excluded Categories: Fuel, Wallet loads
- • 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: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 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 ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2999
- • Reward exclusion on fuel purchases and wallet load transactions