Joining Fee: ₹2500* Plus Applicable Taxes
Renewal Fee: ₹2500*Plus Applicable Taxes
Joining Fee: ₹2500* + Tax
Renewal Fee: ₹2500* + Tax
5X rewards on Zomato & Swiggy (minimum transaction of ₹150)
Buy 1 Get 1 offer on BookMyShow (valid on weekend bookings)
Reward rate of up to 13.3%
Author: MybankingTips Team
Welcome benefits:- Get free memberships like Amazon Prime, Swiggy One, and more on spending ₹75,000 within 90 days of card issuance.
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The HDFC Diners Club Privilege Credit Card is a premium lifestyle card designed for those who seek strong rewards across everyday spending categories — dining, shopping, and movies. It earns accelerated rewards on Zomato & Swiggy, delivers quarterly milestone benefits from top lifestyle brands, and offers the Buy One, Get One offer on BookMyShow — all at an accessible annual fee of ₹1,000.
At its core, the Diners Club Privilege is a compelling rewards card. With up to 10X reward points on SmartBuy and 5X on Swiggy and Zomato, cardholders can achieve an effective reward rate of up to 13.33% on accelerated categories and 1.33% as a base rate. The card is well-suited for those who frequently order food online or dine out and want a card with tangible, quarterly lifestyle rewards.
However, compared to the HDFC Regalia Gold, it lacks some premium benefits like a low forex markup, higher reward rates, air-mile redemption, and more frequent lounge access. Those who travel internationally frequently or seek the highest-tier perks may find Regalia Gold a better fit at the same ₹1,000 fee.
Best For: Frequent Swiggy/Zomato users, online shoppers who use SmartBuy, and those who want quarterly lifestyle vouchers (Marriott, Decathlon, Barbeque Nation, O2 Spa, Lakme Salon) with a decent base reward rate.
The HDFC Diners Club Privilege Credit Card offers a tiered reward structure that rewards everyday dining and online spending with elevated points, plus multiple flexible redemption options:
Base Retail Spends
4 reward points for every ₹150 on all retail spends. Effective base reward rate of 1.33%.
Swiggy & Zomato
20 reward points per ₹150. Capped at 2,500 extra points/month. Min. transaction ₹150.
SmartBuy Portal
40 reward points per ₹150 on SmartBuy spends. Max reward rate of 13.33%.
Reward points can be redeemed across multiple categories on the SmartBuy platform:
Redeem via SmartBuy for maximum value.
Exclusive dining vouchers via SmartBuy.
Redeem against products and merchandise.
Direct cashback redemption against outstanding.
Reward Points Validity: Reward points earned are valid for 2 years from the date of accumulation. A maximum of 50,000 reward points can be earned per statement cycle. Up to 70% of travel bookings can be paid using reward points, capped at 50,000 RP per calendar month.
Complimentary Swiggy One membership upon card activation — enjoy unlimited free delivery, exclusive restaurant discounts, and priority Instamart service. Subject to spending ₹75,000 in the first 90 days.
Complimentary Times Prime membership on card activation, giving you access to premium offers across dining, entertainment, fitness, travel, and more. Subject to ₹75,000 spend in first 90 days.
Enjoy the Buy One Get One offer on movie tickets booked via BookMyShow on weekends. One of the best movie benefits in the ₹1,000 fee segment.
Get up to 20% off at select restaurants across India through the Diners Club Privilege Dining programme. Complements the 5X rewards on Swiggy & Zomato orders.
Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India.
Get up to 50 interest-free days on purchases from the date of transaction, subject to full payment by due date.
Report your lost or stolen card to HDFC's 24/7 helpline and face zero liability on fraudulent transactions made after reporting.
Spend ₹3,00,000 in a year and your next year's ₹1,000 renewal fee is completely waived — just ₹25,000/month in card spending.
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