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

HDFC Bank Diners Club Privilege Credit Card

"HDFC's best mid-range card โ€” 5X rewards on Swiggy and Zomato, Buy 1 Get 1 weekend movies, SmartBuy 10X and quarterly brand vouchers for just โ‚น2,500/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 in the preceding anniversary year
๐ŸŽฏ Best Suited For
Moderate to high spenders who want SmartBuy rewards, weekend movie offers, dining benefits and lounge access at a mid-range fee; Swiggy and Zomato power users
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
Complimentary 1-year Swiggy One and Times Prime memberships on spending โ‚น75,000 within 90 days of card issuance
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น200 on all eligible retail spends (1.33% base at SmartBuy value); 5X RPs (20 per โ‚น200) on Swiggy and Zomato โ€” bonus 4X capped at 2,500 RPs per month; up to 10X on SmartBuy; RPs valid 2 years
โœˆ๏ธ Lounge Access
3 complimentary lounge access vouchers per quarter (2 domestic + 1 international) on spending โ‚น60,000 in the preceding quarter โ€” effective July 2026; Priority Pass membership included
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โœ… Pros
  • Buy 1 Get 1 on weekend movies via BookMyShow (2 free per month)
  • 5X rewards on Swiggy and Zomato
  • SmartBuy 10X rewards on flights, hotels
  • Quarterly โ‚น1,500 brand vouchers on โ‚น1.5L spend
  • Swiggy One and Times Prime free memberships
  • Air accident cover โ‚น1 crore
โŒ Cons
  • Lounge access now requires โ‚น60,000 quarterly spend (July 2026 devaluation)
  • Reward rate reduced to 4 RPs per โ‚น200 from May 2026
  • Diners Club less accepted globally
  • Card reissuance fee โ‚น199 added
  • No annual fee waiver below โ‚น3L spend

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
Complimentary 1-year Swiggy One and Times Prime memberships on spending โ‚น75,000 within 90 days of card issuance
Reward Rate
4 RPs per โ‚น200 on all eligible retail spends (1.33% base at SmartBuy value); 5X RPs (20 per โ‚น200) on Swiggy and Zomato โ€” bonus 4X capped at 2,500 RPs per month; up to 10X on SmartBuy; RPs valid 2 years
Reward Redemption
SmartBuy portal: flights and hotels at 1 RP = โ‚น0.50 (up to 70% of booking); exclusive privilege dining catalogue; vouchers; cashback at 1 RP = โ‚น0.20; catalogue at 1 RP = โ‚น0.35; 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
3 complimentary lounge access vouchers per quarter (2 domestic + 1 international) on spending โ‚น60,000 in the preceding quarter โ€” effective July 2026; Priority Pass membership included
Spend Based Fee Waiver
Annual fee waived on โ‚น3 lakh annual spend
Milestone Benefits
โ‚น1,500 worth of brand vouchers (Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Dominos) on spending โ‚น1.5 lakh per quarter; annual fee waiver on โ‚น3L spend
Other Benefits
Buy 1 Get 1 Free on weekend movie and non-movie tickets via BookMyShow โ€” up to 2 free tickets per month (max โ‚น250 per ticket); 5X RPs on Swiggy and Zomato; 10% extra off on Dineout bill at participating restaurants; Swiggy One and Times Prime complimentary memberships; Diners Club network

โœจ Special Perks & Exclusive Offers

Memberships
Swiggy One, Times Prime (on โ‚น75K spend in 90 days); Priority Pass
Insurance Cover
Air accident insurance โ‚น1 crore; zero lost card liability
Add-on Cards
Add-on cards share lounge access vouchers with primary cardholder
Concierge Services
Details coming soon
Special Offers
Buy 1 Get 1 weekend movies; โ‚น1,500 quarterly brand vouchers; 5X on Swiggy/Zomato; SmartBuy 10X

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 in the preceding 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 amount
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Lounge access now requires โ‚น60,000 quarterly spend from July 2026 (devaluation from earlier unconditional access); reward rate revised to 4 RPs per โ‚น200 from May 2026 (earlier 4 per โ‚น150); Diners Club less accepted than Visa/Mastercard; card reissuance fee โ‚น199 from May 2026

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; net monthly income โ‚น40,000+ (salaried); Indian resident; good credit history
Credit Score Requirement
720+ 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 from other bank credit cards
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 for every transaction
Purchase Protection
Zero liability on unauthorized transactions
Virtual Card Numbers
Virtual card via HDFC Bank app
Zero Liability Protection
Zero liability after immediate 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: manage card, track RPs, SmartBuy, redeem
Online Banking
Full management via HDFC NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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