HDFC Bank
HDFC Bank Diners Club Privilege Credit Card
Data last verified: 24 October 2026
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Reward rate1% on most spends; 10% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Fee waiverOn ₹3 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
Diners Privilege gives you 4 reward points per Rs 200 on retail spends, worth about 1% back. Swiggy and Zomato earn 5X and bookings on HDFC SmartBuy earn up to 10X, both with monthly caps. You also get Swiggy One and Times Prime memberships as a welcome benefit and a Rs 1,500 voucher on reaching milestone spends.
The fee is ₹1,000 plus GST and is waived once you spend ₹3 lakh in a year. That is about Rs 25,000 a month, which many salaried users cross without trying.
It suits people who order food often and book travel through SmartBuy. The catch is lounge access. You get 2 domestic and 1 international visit per quarter only after spending Rs 60,000 in the previous quarter.
Best for: Regular food delivery users, SmartBuy travel bookers, Salaried users spending Rs 25,000 a month or more, First premium card upgrade.
01HDFC Bank Diners Club Privilege Credit Card Rewards and Benefits
02HDFC Bank Diners Club Privilege Credit Card Annual Fee and Charges
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Spend-based waiver
- Annual fee waived on ₹3 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹1,180
- In your pocket each year₹1,220
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at HDFC SmartBuy: 10% back, up to ₹2,000 a month
- Online shopping only at HDFC SmartBuy brand vouchers: 5% back, up to ₹1,500 a month
- Spending ₹25,000 or more a month: the ₹1,180 fee is waived
- Flyers: 12 airport lounge visits a year
Skip it if…
- you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- you rarely spend on HDFC SmartBuy: the 10% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹1,000 plus GST
- Fee waived on ₹3 lakh annual spend
- 4 reward points per ₹200, about 1% back
- 5X on Swiggy and Zomato, up to 10X on SmartBuy, capped monthly
- 2 domestic and 1 international lounge visit per quarter on ₹60,000 previous-quarter spend
- Forex markup of 3.5%
05Pros and Cons
Pros
- Fee is easy to waive at ₹3 lakh a year
- Strong 5X on Swiggy and Zomato
- Swiggy One and Times Prime memberships on joining
- Low 3.5% forex markup
Cons
- Lounge visits need ₹60,000 spend in the previous quarter
- Accelerated rewards have monthly caps
- Needs a monthly income of about ₹35,000
06How HDFC Bank Diners Club Privilege Credit Card earns Rewards
1% on most spends; 10% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 5% | ₹1,500 | Only at: HDFC SmartBuy brand vouchers (GyFTR, Woohoo)Terms: 5X reward points on GyFTR/Woohoo brand vouchers bought on SmartBuy (~5%). The accelerated points cap at 3,000 a month, inside the 4,000 SmartBuy cap; base 4 RP per ₹200 keeps earning after that. |
| Dining and food delivery | 1% | No cap | Anywhere else in the category |
| Dining and food delivery, only at listed merchants | 5% | ₹1,250 | Only at: Swiggy, ZomatoTerms: 5X (20 RP per ₹200, ~5%) on Swiggy & Zomato. The accelerated 4X portion caps at 2,500 RP a month across both, about ₹31,250 of spend, then the base 4 RP/₹200 continues uncapped. Online FOOD ORDERS only, so Instamart and Dineout do not qualify, and wallet payments are excluded. |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 10% | ₹2,000 | Only at: HDFC SmartBuyTerms: SmartBuy up to 10X, hotels 10X (~10%), flights 5X, trains 3X; accelerated points capped at 4,000 RP a month and 2,000 a day, brand vouchers included. Vouchers have their own row |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Bills and recharges | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Rent | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Insurance premiums | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| School and college fees | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Wallet top-ups | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 4 Reward Points per ₹200 (~1% on SmartBuy) on all other spends, 1 point ≈ ₹0.50 SmartBuy / ₹0.20 statement
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
07HDFC Bank Diners Club Privilege Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 4 visits a year. Spend Rs 60,000 in the previous quarter for lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. insurance cover, airport lounge access, milestone bonuses, movie ticket offers.
- Insurance cover: Air accident cover of $125,000, emergency overseas hospitalisation up to $31,250, baggage delay cover up to $625, and credit liability cover up to ₹9 lakh
- Airport lounge access: From July 2026, 2 domestic + 1 international lounge vouchers per quarter, unlocked by ₹60,000 spend in the previous quarter
- Milestone bonuses: ₹1,500 voucher each calendar quarter on ₹1.5 lakh of spend in that quarter, ₹6,000 a year only if you clear the bar in all four quarters (Marriott/Decathlon/BBQ Nation/others)
- Movie ticket offers: Buy 1 Get 1 on BookMyShow tickets Friday to Sunday, up to ₹250 per ticket and 2 free tickets a calendar month; excludes BMS Stream and F&B, minimum 2 tickets per booking
08HDFC Bank Diners Club Privilege Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹35,000
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Lounge access became spend-gated (₹60,000/quarter)Source: HDFC Bank | 2 domestic + 1 international lounge visits per quarter, unconditional | Same 2 + 1 per quarter, but only on ₹60,000 spend in the previous quarter |
| 1 Jul 2026 | Reduced: SmartBuy brand-voucher earning capped at 3,000 RP/monthSource: HDFC Bank | Full 4,000 RP a month accelerated pool usable via vouchers | 3,000 RP a month sub-cap on Brand Vouchers (GyFTR/Woohoo) |
| 15 May 2026 | Reduced: Base earn rate cut ~25% (per ₹150 → per ₹200)Source: HDFC Bank | 4 Reward Points per ₹150 (~1.33% at ₹0.50/point) | 4 Reward Points per ₹200 (~1% at ₹0.50/point) |
| 15 May 2026 | Reduced: Dynamic Currency Conversion markup revised to 1.75%Source: HDFC Bank | - | 1.75% on INR-billed international / foreign-registered transactions |
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC Bank Diners Club Privilege Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹1,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹1,000 + GST | Lifetime free | Lifetime free |
| Rewards | 1% on most spends; 10% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 8 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your HDFC Bank Diners Club Privilege Credit Card Bill
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Common Questions
Is the annual fee waived?
Yes, the ₹1,000 fee is waived when you spend ₹3 lakh in a year.
Do I get free lounge access?
Yes, 2 domestic and 1 international visit per quarter, once you spend ₹60,000 in the previous quarter.
What do I earn on Swiggy and Zomato?
5X reward points, up to a monthly cap.
Who can apply?
Applicants aged 21 to 60 with a monthly income of around ₹35,000.
What is the joining fee for the HDFC Bank Diners Club Privilege Credit Card?
The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC Bank Diners Club Privilege Credit Card?
The annual fee is ₹1,000 + GST.
Does the HDFC Bank Diners Club Privilege Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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