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
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
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
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
HDFC Diners Club Privilege Credit Card Hilights
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.
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
Frequently Asked Questions
Everything you need to know about this credit card
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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Housing Development Finance Corporation
Dining
Entertainment
Reward Points
