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Last updated: 01-06-2026
HDFC Bank Diners Club Premium Credit Card
HDFC Bank

HDFC Bank Diners Club Premium Credit Card

"HDFC's entry-level Diners Club card โ€” Buy 1 Get 1 weekend movies, Swiggy Dineout discounts, SmartBuy rewards and lounge access at just โ‚น2,500 per year"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น2,500 + GST
๐Ÿ”„ Renewal Fee
โ‚น2,500 + GST
Waived: Annual fee waived on spending โ‚น3 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
Budget-conscious movie lovers and diners who want SmartBuy rewards, weekend movie offers and lounge access at a mid-range fee; entry into the HDFC Diners Club ecosystem
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.50 for flights/hotels on SmartBuy; 1 RP = โ‚น0.20 for cashback)
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on HDFC Bank website โ€” may include complimentary memberships on spending โ‚น75,000 within 90 days
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น200 on all eligible retail spends; up to 10X on SmartBuy portal (flights, hotels, vouchers); RPs valid 2 years
โœˆ๏ธ Lounge Access
Complimentary domestic airport lounge access โ€” check current quarterly spend condition on HDFC website (terms being updated for July 2026); Diners Club lounge network
โญ Rate this Card
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โœ… Pros
  • Buy 1 Get 1 on weekend movies via BookMyShow
  • SmartBuy 10X rewards on flights and hotels
  • Swiggy Dineout dining discounts
  • Domestic lounge access via Diners Club network
  • Achievable โ‚น3L fee waiver
  • Entry to HDFC Diners Club ecosystem
โŒ Cons
  • Diners Club less accepted than Visa/Mastercard
  • High forex markup 3.5%
  • Lounge access terms being updated July 2026 โ€” verify
  • Redemption fee โ‚น99 + GST
  • Lower reward rate than Diners Privilege

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.50 for flights/hotels on SmartBuy; 1 RP = โ‚น0.20 for cashback)
Welcome Benefits
Check current welcome offer on HDFC Bank website โ€” may include complimentary memberships on spending โ‚น75,000 within 90 days
Reward Rate
4 RPs per โ‚น200 on all eligible retail spends; up to 10X on SmartBuy portal (flights, hotels, vouchers); RPs valid 2 years
Reward Redemption
SmartBuy portal: flights and hotels at 1 RP = โ‚น0.50; cashback at โ‚น0.20; vouchers; Airmiles; redemption fee โ‚น99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions above โ‚น400; maximum โ‚น250 per statement cycle
Lounge Access
Complimentary domestic airport lounge access โ€” check current quarterly spend condition on HDFC website (terms being updated for July 2026); Diners Club lounge network
Spend Based Fee Waiver
Annual fee waived on โ‚น3 lakh annual spend
Milestone Benefits
Quarterly brand vouchers on spend milestones; annual fee waiver on โ‚น3L spend
Other Benefits
Buy 1 Get 1 Free on weekend movie and non-movie tickets via BookMyShow (up to 2 free tickets per month, max โ‚น250 per ticket); dining discounts via Swiggy Dineout; SmartBuy 10X rewards on flights and hotels; Diners Club lounge network; contactless payments; Smart EMI

โœจ Special Perks & Exclusive Offers

Memberships
Check current complimentary memberships on HDFC website
Insurance Cover
Zero liability on unauthorized transactions; verify current insurance covers
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
BOGO weekend movies; SmartBuy 10X; Swiggy Dineout dining discounts; lounge access

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น2,500 + GST
Annual Fee / Renewal Fee
โ‚น2,500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น3 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Diners Club network less accepted than Visa/Mastercard โ€” carry backup; lounge access terms being updated for July 2026 โ€” verify on HDFC website; redemption fee โ‚น99 + GST

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; minimum monthly income โ‚น30,000; Indian resident; CIBIL 700+
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and HDFC Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HDFC MyCards app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7)
Chat / Email Support
Chat via HDFC iMobile app
Mobile App
HDFC Bank MyCards app
Online Banking
HDFC NetBanking

Last updated: 01-06-2026

โญ User Reviews

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Printed: 23 Oct 2026, 09:33 PM
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