HDFC Diners Club Privilege Credit Card – For All Round Benefits

The HDFC Diners Club Privilege Credit Card is great for those who want benefits for their everyday spending, like dining out, shopping, and movies. You can earn extra rewards on popular brands like Zomato & Swiggy, and get special benefits from Decathlon and Marriott every quarter. Plus, there's a Buy One Get One offer for movies on BookMyShow. It also offers a low forex markup of 2% and 10X rewards on SmartBuy, which makes it a bit of a premium card without the high fees. It's a good option for people who want premium benefits without breaking the bank. It competes with other HDFC cards like Regalia and Regalia Gold, offering similar perks.

Key Highlights of HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Diners Club Privilege Credit Card
Best Suited For Rewards & Dining
Joining Fee Rs. 2,500
Annual/ Renewal Fee Rs. 2,500
Welcome Benefit Complimentary Swiggy One and Times Prime annual membership
Reward Benefit
  • 4 reward points on every Rs. 150 spent on retail spends
  • 20 rewards (5X) on every Rs. 150 spent on Swiggy & Zomato
  • Up to 40 rewards (10X) on every Rs. 150 spent on SmartBuy
Travel Benefit 2* complimentary airport lounge access every calendar quarter worldwide, thus, 8 lounge access visits in a year
Best Feature Best Feature ‘Buy 1 Get 1 Free’ on movie/non-movie weekend tickets via BookMyShow

Complimentary memberships as welcome benefits

  • For a joining fee of Rs. 2,500, this card provides valuable welcome benefits, including complimentary Swiggy One and Times Prime annual memberships. To avail of these benefits, you need to meet the condition of spending Rs. 75,000 within the first 90 days after receiving the card.

The benefits you get from these memberships make the joining fee worth it. A one-year Times Prime membership usually costs Rs. 1,199, and Swiggy One can cost anywhere from Rs. 899 to Rs. 2,999. These memberships give you discounts on everyday things like food delivery, dining out, travel, and entertainment. With Swiggy One, you save on food orders, and Times Prime gives you vouchers for various brands and online services like Uber, PharmEasy, and Hotstar. The only downside is that you have to spend a bit more to activate these benefits. But if you spend a lot using this card, you'll easily reach that requirement.

*Swiggy One subscription value may vary from the prices mentioned above. Price may vary from time to time and user to user as per ongoing special offers by Swiggy.

Up to 10X rewards on your spends:

With the HDFC Diners Club Privilege Credit Card, you earn rewards as follows:

  • 4 reward points on every Rs. 150 spent on retail spends
  • 20 rewards (5X) on every Rs. 150 spent on Swiggy & Zomato
  • Up to 40 rewards (10X) on every Rs. 150 spent on SmartBuy

You won't earn reward points for certain transactions, including fuel purchases, cash advances, paying off your outstanding balance, card fees, and other charges, as well as transactions related to Smart EMI or Dial an EMI.

There's no limit on earning reward points on most categories with this credit card, except for the 5X reward category. Here's the reward capping for that:

  • For all other categories: You can earn unlimited rewards.
  • For the 5X reward on Zomato & Swiggy: Out of the 5X rewards, you can earn up to a maximum of 2,500 rewards in a month for the 4X rewards, while the remaining 1X rewards have no earning limit.

Also read: Best Rewards Credit Cards in India

The reward points you earn with this card are valid for two years from the date you earn them. You can redeem them in the following ways:

Redemption Category Value of 1 reward point
Flights and hotel bookings via SmartBuy Rs. 0.5
Exclusive Privilege dining catalog on select restaurants via SmartBuy Rs. 0.5
Product catalog Rs. 0.35
Cashback Rs. 0.2

Starting from August 1, 2023, the option to redeem reward points for Air Miles has been replaced. Now, you can redeem your points for dining vouchers instead, at the same value of 1 reward point equaling Rs 0.5. This change might be great for people who enjoy dining out, but no redemption on airmiles can be a drawback for frequent travelers.

The 5X rewards you get on Zomato & Swiggy can be a fantastic benefit for anyone who regularly orders food online. On top of that, being able to redeem your reward points for dining vouchers and getting a Swiggy One membership when you activate the card are excellent benefits. Plus, you can enjoy up to 20% off through the good food trail program. All these dining privileges make this card one of the best choices for food enthusiasts.

Brand voucher as milestone benefit:

Rather than offering an annual milestone benefit, this card provides quarterly milestone benefits, which can work to your advantage each quarter. If you spend Rs. 1.5 lakh in a quarter, you'll receive a voucher worth Rs. 1,500 from your choice of brands such as Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon.

By spending Rs. 6 lakh annually, you can enjoy a benefit of Rs. 6,000. Additionally, when you meet the annual fee waiver criteria by spending Rs. 3 lakh, you can receive a total benefit of Rs. 8,500, provided you meet the spending criteria each quarter.

If you compare this with HDFC Regalia & HDFC Regalia Gold, you get the following benefit on spending Rs. 6 lakh in a year:

Benefit Diners Club Privilege HDFC Regalia HDFC Regalia Gold
Total Spends Rs. 6 Lakh Rs. 6 Lakh Rs. 6 Lakh
Benefit
(i) Rs. 1,500 voucher each quarter = Rs. 6,000 (ii) Annual fee waiver= Rs. 2,500
(i) Bonus 10,000 reward points on 5 lakhs= Rs. 5,000* (ii) Annual fee waiver=Rs. 2,500
(i) Rs. 1,500 voucher each quarter = Rs. 6,000 (ii)Rs. 5,000 worth flight voucher= Rs. 5,000 (iii) Annual fee waiver=Rs. 2,500
Annual Value Benefit Rs. 8,500 Rs. 7,500 Rs. 13,500

*Based on maximum redemption value of 1 reward point= Rs. 0.5

Thus, clearly, in terms of offering the milestone benefit, HDFC Regalia Gold > HDFC Diners Club Privilege > HDFC Regalia- based on the presumed value of spending Rs. 6 Lakh in a year.

Please note that the benefits mentioned above are applicable when you make annual spends totaling Rs. 6 lakh in a year. The actual milestone benefit on these cards is:

  • HDFC Regalia: Bonus 10,000 reward points on spending Rs. 5 lakhs and additional 5,000 reward points on spending Rs. 8 lakh in an anniversary year.
  • HDFC Regalia Gold: Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh; Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5,000 on spends of Rs. 7.5 lakhs.

Also read: Best Fuel Credit Cards in India

On that basis, the maximum value back you can avail with these cards via the milestone benefit, is as follows:

Credit card Maximum value back
HDFC Diners Club Privilege Rs. 8,500 on spending Rs. 6 Lakh in a year
HDFC Regalia Rs. 10,000 on spending Rs. 8 Lakh in a year
HDFC Regalia Gold Rs. 18,500 on spending Rs. 7.5 Lakh in a year

Travel benefits:

HDFC Diners Club Privilege Credit Card comes with the following travel benefits:

  • You have access to 2 complimentary airport lounge visits every calendar quarter worldwide, which means you can enjoy a total of 8 lounge visits in a year.
  • Low forex markup fee of 2%

*Complimentary lounge access is applicable upon spends of Rs. 15,000 in previous calendar quarter.

Also read: Best Credit Cards with Airport Lounge Access

HDFC Bank has reduced the travel benefits on this card by lowering the number of lounge accesses from 12 to 8 per year and removing the option to redeem air miles. Additionally, you don't receive a complimentary Priority Pass Membership, unlike with some other HDFC cards like Regalia and Regalia Gold. While the benefits may seem decent on their own, they don't stand out as great when compared to other cards.

Other features of HDFC Bank Diners Club Privilege Credit Card:
  • "Buy 1 Get 1 Free" deal on weekend movie and non-movie tickets through BookMyShow. You can use this offer to book shows on Friday, Saturday, and Sunday, regardless of when you make the booking. You can save up to Rs. 250 per ticket and avail of this offer for up to 2 free tickets every month.
  • You can get a waiver of the renewal fee for the next year if you spend Rs. 3 lakh on the card during the card anniversary year.
  • Enjoy discounts of up to 20% on your restaurant bills when you pay via Swiggy Dineout.
  • The card also includes complimentary insurance coverage, including a credit liability cover of Rs. 9 lakh, accidental air death cover worth Rs. 1 crore, emergency overseas hospitalization coverage of up to Rs. 25 lakh, and travel insurance coverage of up to Rs. 50,000 for baggage delay.

Card Comparison: HDFC Diners Club Privilege vs. HDFC Regalia Credit Card vs. HDFC Regalia Gold Credit Card

Particulars HDFC Diners Club Privilege HDFC Regalia Credit Card HDFC Regalia Gold Credit Card
Joining Fee/Annual Fee Rs. 2,500 Rs. 2,500 Rs. 2,500
Welcome Benefit Complimentary annual memberships of Swiggy One and Times Prime NA Complimentary Club Vistara Silver Tier and MMT Black Elite membership; Gift voucher of Rs. 2,500
Annual Fee Waiver Waived off on annual spends of Rs. 3 Lakh Waived off on annual spends of Rs. 3 Lakh Waived off on annual spends of Rs. 4 Lakh
Milestone Benefit Rs. 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of Rs. 1.5 lakh Bonus 10,000 reward points on spending Rs. 5 lakh and additional 5,000 reward points on Rs. 8lakh in an anniversary year
  • Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
  • Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5,000 on spends of Rs. 7.5 lakh
Rewards
  • 5X reward points on Swiggy and Zomato
  • 4 reward points for every Rs. 150 spent
  • Up to 10X rewards on SmartBuy
4 reward points on every Rs.150 spent on retail spends including insurance, utilities and education​
  • 4 reward points on every Rs.150 spent on retail spends
  • 5X reward points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital
Redemption
  • Flights and hotel bookings via SmartBuy, 1 reward point = Rs. 0.5
  • Dining catalog via SmartBuy, 1 reward point = Rs. 0.50.
  • Product catalog ,1 reward point up to Rs. 0.35
  • Cashback at a value of 1 reward point = Rs 0.20
  • Flights and hotel bookings via SmartBuy, 1 reward point = Rs 0.5
  • Air miles conversion, 1 reward point = 0.5 air mile
  • Product catalog, 1 reward point = up to Rs 0.35
  • Cashback at a value of 1 reward point = Rs 0.20
  • Exclusive Gold catalog via SmartBuy, 1 reward point = Rs 0.65
  • Flights and hotel bookings via SmartBuy,of 1 reward point = Rs 0.5
  • Airmiles conversion, 1 reward point = 0.5 airmiles
  • Products catalog, 1 reward point = up to Rs. 0.35
  • Cashback at a value of, 1 RP = Rs. 0.20
Movie Buy 1 Get 1 Free’ on movie/non-movie weekend tickets via BookMyShow NA NA
Dining Discount Up to 20 % off via Swiggy Dineout Up to 20 % off via Swiggy Dineout Up to 20 % off via Swiggy Dineout
Lounge access 2 complimentary airport lounge access every calendar quarter worldwide
  • 12 complimentary airport lounge access within India and 6 outside India
  • Complimentary Priority Pass membership
  • 12 complimentary access within India (both at domestic and international terminals)
  • Complimentary Priority Pass membership
Foreign currency markup fee 2% 2% 2%
Fuel NA 1% fuel surcharge waiver at all fuel stations across India NA

Is HDFC Diners Club Privilege Credit Card still a good option?

(i) The HDFC Diners Club Privilege Credit Card outshines HDFC Regalia when it comes to welcome benefits, as the latter offers no activation benefit even at a similar joining fee. (ii) HDFC Regalia Gold also provides reasonable benefits considering the fee charged, but it requires a higher spending limit of Rs. 1 Lakh within 90 days compared to Diners Club Privilege. (iii) Diners Club Privilege is an excellent choice for millennials and Gen Z individuals who frequently order food online because it offers accelerated rewards on Zomato and Swiggy, two of the most popular everyday brands. (iv) With the Privilege card, you gain access to an exclusive redemption program called the Dining Catalog, which allows you to redeem rewards at select restaurants through SmartBuy.

HDFC Diners Club Privilege vs. HDFC Regalia vs. HDFC Regalia Gold- Which card should you choose?

When selecting the best card among these options, it's not just about the fee; it's also about how well the benefits match your spending habits and needs.

(i) If you mainly use your card for international travel and want to earn rewards on insurance, utility bills, and education, the HDFC Regalia Credit Card could be your best choice. (ii) Similarly, if you want to enjoy benefits related to travel and shopping, especially when shopping at Marks & Spencer, Myntra, Reliance Digital, and Nykaa, the Regalia Gold card could be a great option. (iii) On the other hand, if you're a traveler who also wants to save on dining expenses, the Diners Club Privilege card is a good pick.

Drawbacks of HDFC Diners Club Privilege?

  • To enjoy the welcome benefit, you're required to maintain a higher spending level, which means you'll need to spend approximately Rs. 25,000 each month during the initial three months.
  • Previously, the card used to provide redemption benefits for air miles, but now it doesn't offer this perk. This is a significant drawback, especially considering the card's claim to offer premium benefits. Additionally, it falls short in delivering the typical package of low forex markup fees, good lounge access, and air miles redemption, which is expected for travel benefits. As a result, it slightly falls behind in providing overall travel benefits.
  • Additionally, the cashback redemption value on this card appears relatively low, especially when compared to other entry-level HDFC cards like HDFC Millennia. For an annual fee of Rs. 1,000, Millennia offers a cashback redemption value of 1:1.
  • Furthermore, even at a fee of Rs. 2,500, this card does not provide fuel surcharge waivers or access to golf facilities.

Feature Update on Diners Club Privilege Credit Card effective August 1, 2023

Category Feature valid till July 31, 2023 Feature valid from August 1, 2023
Welcome Benefit Complimentary memberships of Amazon Prime, Swiggy One, MMT BLACKr Complimentary memberships of Swiggy One & Times Prime
Milestone Benefit
  • Spend Rs. 40,000 or more every calendar month and get 2 vouchers, each worth Rs. 500
  • Spend Rs. 8 Lakh or more every anniversary year and get complimentary memberships of Amazon Prime, Swiggy One, MMT BLACK
Avail any one complimentary voucher of : Marriott / Decathlon/ Barbeque Nation/O2 Spa/ Lakme Salon worth Rs. 1,500 on spends of over Rs 1.5 Lakh every calendar quarter
Dining 2X reward points on weekend dining 5X reward points spent on Swiggy and Zomato
Fuel 1% fuel surcharge waiver at all fuel stations across India up to Rs. 500 every billing cycle Discontinued
Golf Access Golf Benefits: 2 games per quarter Discontinued
Lounge Access 12 complimentary lounge access across the globe 2 complimentary lounge access worldwide per quarter, thus, 8 in a year
Redemption Redemption against Air Miles(Besides redemption against product catalog, SmartBuy and statement balance) Redeem rewards for dining vouchers(Besides redemption against product catalog, SmartBuy and statement balance)
Movie Benefit No benefit offered earlier Buy 1 Get 1 for BookMyShow on weekend ticket bookings, maximum discount is Rs. 250/ticket, up to 2 free tickets every calendar month

Below mentioned are some common fees and charges applicable to HDFC Diners Club Privilege Credit Card:

Type of Fee/ Charge Amount
Joining Fee Rs. 2,500 + GST
Annual Fee Rs. 2,500 + GST
Finance Charges 3.6% p.m. | 43.2% p.a.
Late Payment Charges** For Statement Balance
  • Less than Rs. 100 – Nil
  • Rs.100 to Rs.500 – Rs.100
  • Rs.501 to Rs.5,000 – Rs.500
  • Rs.5,001 to Rs.10,000 – Rs.600
  • Rs.10,001 to Rs. 25,000 – Rs.800
  • Rs. 25,000 to Rs. 50,000 – Rs. 1,100
  • Over Rs. 50,000 – Rs. 1,300

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The common eligibility criteria and documentation required to apply for HDFC Diners Club Privilege Credit Card:

Criteria Details
Occupation Salaried or Self-employed
Minimum Income for Salaried Applicants Rs. 70,000 per month
Minimum Income for Self-employed Applicants Rs. 8.40 lakh per annum
Documents Required Click here for the list of required documents
Serviceable Cities Click here for the list of eligible cities

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Here are some of the Best credit cards that provide benefits similar to the HDFC Diners Club Privilege Credit Card:

Credit Card Annual Fee Best Feature
HDFC Regalia Credit Card Rs. 2,500 Low foreign exchange markup fee of 2% ; 4 reward points on spending Rs. 150
SBI Card Prime Rs. 2,999 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies; complimentary memberships
Axis Bank Select Credit Card Rs. 3,000 (Nil for Burgundy Customers) 10 Axis EDGE Reward Points on every Rs. 200 spent; 20% off on BigBasket, 40% off on Swiggy
SBI Card Elite Rs. 4,999 Up to 50,000 bonus rewards points annually; Club Vistara and Trident Privilege Membership

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This card might be a good fit for you if:

1. You enjoy exclusive dining benefits. 2. You often order food online or dine out. 3. You're looking for a card with a low forex markup fee. 4. You want a card with decent rewards and travel perks. 5. You like getting benefits when booking weekend movie tickets. 6. You anticipate spending Rs. 6 lakh in a year to make the most of milestone benefits and fee waivers. 7. You're comfortable paying an annual fee of Rs. 2,500.

You have the option to compare and apply for HDFC Credit Cards conveniently online through MybankingTips. Here are the steps to do so:

  • Visit MybankingTips HDFC Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

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1. What are the complimentary annual memberships that come with HDFC Diners Club Privilege?

Upon card activation, you receive complimentary memberships for Swiggy One and Times Prime. Additionally, when you spend over Rs. 1.5 Lakh every calendar quarter, you're eligible for a voucher worth Rs. 1,500. This voucher can be used at Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon.

2. What are the benefits that come with an HDFC Diners Club Privilege credit card?

The HDFC Diners Club Privilege Credit Card provides a range of fantastic benefits for both lifestyle and travel enthusiasts. These benefits include card activation perks, milestone rewards, renewal fee waivers, complimentary airport lounge access, a low foreign exchange markup fee, and a rewarding points system, among others. For a detailed overview of the features and benefits of The HDFC Bank Diners Club Privilege Credit Card, you can click here.

3. Is there any renewal or annual fee waiver on this card?

The card has an annual fee of Rs. 2,500, plus any applicable taxes. But, if you spend Rs. 3 lakh in a year, your renewal fee for the following year will be waived.

4. Do the reward points have any expiration?

Yes, the reward points earned using The HDFC Diners Club Privilege Credit Card remain valid for a period of 2 years from the date of accumulation. You have the flexibility to redeem these reward points for various options, including flights and hotel bookings on SmartBuy, dining vouchers, products from the catalogue, or even cashback.

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