About HDFC Diners Club Privilege Credit Card
The HDFC Diners Club Privilege Credit Card is designed for individuals seeking lifestyle benefits across everyday categories such as dining, shopping, and entertainment. Cardholders can enjoy accelerated rewards on popular brands like Zomato and Swiggy, quarterly milestone perks from Decathlon and Marriott, and a Buy One, Get One Free offer on BookMyShow. Additionally, the card provides up to 10X rewards on SmartBuy, translating to a reward rate of up to 13.33% on accelerated spends and a base rate of 1.33%.
On the flip side, when compared to HDFC Regalia Gold, it falls short in certain premium aspects such as a lower forex markup fee, higher overall reward rate, air mile redemption options, and more frequent lounge access. Hence, while it delivers solid lifestyle benefits, it doesn’t fully match the premium positioning of Regalia Gold at a comparable cost.
The HDFC Premium Travel Credit Card comes with an annual fee of Rs. 1,000, which can be waived off upon achieving milestone spends, making it a rewarding choice for frequent travelers.
HDFC Diners Club Privilege Credit Card Rewards Program
Reward Structure of HDFC Diners Club Privilege Credit Card
- Retail Spends: 4 Reward Points for every ₹150 spent
- Dining Benefits: 5X Rewards on Swiggy & Zomato (20 RP per ₹150 spent)
- SmartBuy Benefits: Up to 10X Rewards (40 RP per ₹150 spent)
Redemption Options
- Flights & Hotel bookings via SmartBuy: 1 RP = ₹0.56
- Privilege Dining Catalogue via SmartBuy: 1 RP = ₹0.50
- Product Catalogue: 1 RP = up to ₹0.35
- Cashback: 1 RP = ₹0.207
Other Features and Benefits
Activation Benefits
- Complimentary annual memberships of Swiggy One and Times Prime.
Milestone Benefits
- Spend ₹1.5 Lakh in a calendar quarter to earn ₹1,500 gift vouchers from:
- Marriott Experience
- Decathlon
- Barbeque Nation
- O2 Spa
- Lakme Salon
Lounge Access
- 2 complimentary airport lounge visits per quarter
- Condition: Minimum spends of ₹15,000 in the previous calendar quarter
Movies
- Buy 1 Get 1 Free offer on BookMyShow (weekends: Friday–Sunday)
- Up to ₹250 per ticket, valid for 2 free tickets/month
Fee Waiver
- Renewal fee waived on annual spends of ₹3 Lakhs in the previous year
Dining
- Up to 20% off on restaurant bills via Swiggy Dineout
Insurance Cover
- Air Accident Cover: ₹1 Crore
- Overseas Hospitalization: up to ₹25 Lakhs
- Travel Insurance: up to ₹50,000 (baggage delay)
- Credit Liability Cover: up to ₹9 Lakhs
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 1,000+GST |
| Annual Fee | Rs. 1,000+GST |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | | For Statement Balance: | | | Up to Rs. 100 | Nil | | Rs. 101 to Rs. 500 | Rs. 100 | | Rs. 501 to Rs. 1,000 | Rs. 500 | | Rs. 1,001 to Rs. 5,000 | Rs. 600 | | Rs. 5,001 to Rs. 10,000 | Rs. 750 | | Rs. 10,001 to Rs. 25,000 | Rs. 900 | | Rs. 25,001 to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For HDFC Diners Club Privilege Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HDFC Diners Club Privilege Credit Card Highlights
What do we like about this card?
- Transactions not eligible for reward points: Fuel, cash advances, payment of outstanding balance, card fees & charges, and Smart EMI/Dial an EMI.
- Reward caps:
- Insurance, utility, and telecom spends – maximum 2,000 reward points per day (per category).
- Grocery spends – maximum 2,000 reward points per calendar month.
- Overall monthly cap – 50,000 reward points per statement cycle.
- Zomato & Swiggy 5X Rewards:
- Out of 5X, the extra 4X is capped at 2,500 reward points per month.
- Remaining 1X rewards have no cap.
- Applicable only on minimum transactions of ₹150.
- Reward Redemption Rules:
- Maximum 70% of travel bookings (flights, hotels, experiences) can be paid via reward points, capped at 50,000 points/month.
- Cashback redemption against statement balance capped at 50,000 points/month.
- Activation Benefit: Available only on spends of ₹75,000 within 90 days of card issuance.
Things to Know Before you apply
Get this card if:
- You’re able to spend ₹6 lakh annually to maximize milestone benefits and get the annual fee waived
- You frequently order food online or dine out
- You want to enjoy benefits on weekend movie ticket bookings
- You prefer a card with a decent reward rate
Pros
- Accelerated rewards on Swiggy and Zomato
- Decent base reward rate
- Multiple reward redemption options
- Quarterly milestone benefits
- Low annual fee waiver criteria
Cons
- Activation benefits tied to higher spend requirements
- Lower redemption value compared to cards like HDFC Millennia (1:1 at a fee of ₹1,000)
- Lounge access only on meeting spend criteria
- No concessional forex markup benefit
- Movie benefits restricted to weekend tickets
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
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Frequently Asked Questions
Yes, it is a good choice if you want a balanced rewards card with strong benefits on dining, movies, and lifestyle spends, along with travel perks like lounge access.
Yes, reward points are valid for 2 years from the date of accumulation.
The card charges an annual fee of ₹2,500 + taxes. If you spend ₹3 lakh in a year, the next year’s renewal fee is waived.
Activation and milestone benefits
Renewal fee waiver on high annual spends
Complimentary domestic and international airport lounge access
Reward Points on all spends (redeemable for travel, dining, vouchers, and cashback)
Monthly movie discount offers
On activation, you get complimentary memberships of Swiggy One and Times Prime. Additionally, you receive a ₹1,500 voucher from Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon on spending over ₹1.5 lakh in a calendar quarter.
It is a lifestyle credit card by HDFC Bank designed for individuals with a monthly income of ₹35,000 and above, offering benefits across dining, shopping, travel, and entertainment.
