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HDFC Bank Diners Club Privilege Credit Card is a premium credit card that provides a number of great rewards and benefits to cardholders. To welcome its customers on board, the card offers complimentary memberships to Times Prime and Swiggy One on spending Rs. 75,000 within 90 days of getting the card.

With this card, you can earn 4 RPs for every Rs. 150 you spend and up to 10x reward points on SmartBuy spends. Also, you can earn accelerated 5x RPs on Swiggy, Zomato spends, and BOGO offers on BookMyShow tickets for weekend shows. These reward points can later be redeemed against an array of categories, including flight/hotel bookings, products/vouchers, and cash credit at a very good rate.

Talking about its travel benefits, you get complimentary access to over 1,000 lounges all over the world. Moreover, there are several more benefits of the card, including a spend-based annual fee waiver, fuel surcharge waiver, insurance benefits, etc. Read below to learn more details about the HDFC Bank Diners Club Privilege credit card.

HDFC Bank Diners Club Privilege Credit Card
(4.5/5)

Joining Fee

Rs. 2,500 + GST

Renewal Fee

Rs. 2,500 + GST

Best Suited For

Movies | Travel | Food |

Reward Type

Reward Points

Welcome Benefits

Complimentary Membership of Swiggy One & Times Prime

Movie & Dining

Get 5x (20) reward points per Rs. 150 spent on Swiggy and Zomato. Get a Buy One Get One offer on BookMyShow movie tickets for shows on Friday, Saturday, and Sunday.

Rewards Rate

4 Reward Points on every Rs 150 spent and up to 10x RPs on Smartbuy spends.

Reward Redemption

1 reward point = Rs 0.5 redeemable on SmartBuy reward portal for flight & hotels bookings, 1 reward point = 0.5 Air miles.

Travel

Get 8 complimentary airport lounge access across the world for both primary as well as add-on cardholders.

Domestic Lounge Access

Up to 8 complimentary domestic lounge access every year

International Lounge Access

Up to 8 complimentary international lounge access every year

Golf

N/A

Insurance Benefits

Insurance cover worth up to Rs 1 crore in case of an air accident and an emergency cover of Rs 25 lac in case of hospitalization abroad.

Spend-Based Waiver

Renewal fee waiver on spending over Rs. 3 lakhs in the previous year.

Rewards Redemption Fee

Rs 99 per redemption request (plus applicable taxes)

Rewards Redemption Fee

Rs 99 per redemption request (plus applicable taxes)

Foreign Currency Markup

1.99% of the conversion amount (plus applicable taxes)

Interest Rates

3.6% per month (43.2% per annum)

Fuel Surcharge

1% fuel surcharge waiver on fuel transactions at all fuel stations subject to a maximum waiver of Rs 500 per statement cycle

Cash Advance Charges

2.5 % of the withdrawal amount subject to a minimum charge of Rs 500

  • Get a Complimentary Membership of Swiggy One and Times Prime as a welcome benefit.
  • 4 Reward Points on every Rs 150 spent, and up to 10x Reward Points on Smartbuy spends, with your HDFC Bank Diners Club Privilege Credit card.
  • Accelerated 5x RPs on your Swiggy and Zomato spends.
  • 8 Complimentary Lounge visits both India and abroad
  • Low Foreign Markup charges of 1.99%
  • Insurance Cover worth up to Rs 1 crore in case of an Air Accident.

Pros

  • 4 RPs per Rs. 150 spent, and 5x RPs on Zomato and Swiggy spends
  • Frequent travelers can benefit from 8 complimentary domestic and international lounge access

Cons

  • Welcome benefit offers Swiggy One and Times Prime membership which may not be wanted by some cardholders
  • There is no cashback on online spends and higher annual fee as compared to similar variants

HDFC Bank Diners Club Privilege Credit Card Features and Benefits

The Diners Club Privileges Credit Card has a lot of benefits across different categories, including shopping, rewards, travel, and many more. All its features in detail are given below:

Welcome Benefits

Get a complimentary annual membership of Swiggy One and Times Prime on spending Rs. 75,000 or above within 90 days of card issuance. The benefits are unlocked within 48 hours of achieving the target spend.

HDFC Bank Diners Club Privilege Credit Card Rewards

  • You get 4 reward points per Rs. 150 spent on retail.
  • Up to 10x reward points on spends made through the SmartBuy portal.
  • Get 5x (20) reward points per Rs. 150 spent on Swiggy and Zomato, where the bonus RPs are capped at 2500 per month.
  • You can earn a maximum of 2000 RPs per transaction on insurance spends.

Reward Redemption

  • These reward points can be redeemed at the SmartBuy reward portal for flight bookings and hotels.
  • 1 reward point = Rs 0.5 on the SmartBuy reward portal using the HDFC Bank Diners Club Privilege credit card
  • You can also redeem your reward points through net banking for Air miles, where 1 Reward Point = 0.5 Air mile
  • HDFC Bank provides an exclusive product catalog for reward redemption for the HDFC Diner Club Privilege credit card, where 1 reward point = Rs 0.35
  • 1 Reward Point = Re. 0.20 for redemption against cash.
  • The maximum limit is capped for hotel and flight bookings using reward points of 70% of the booking value.

Milestone Benefits

  • On achieving retail spends of Rs. 1,50,000 or above per calendar quarter, cardholders can choose a Rs. 1500 voucher from any one of Marriott, O2 Spa, Lakme Salon, Barbeque Nation, or Decathlon.
  • The benefit is unlocked within 48 hours of achieving the target spend amount, and the cardholder can download the voucher.

Dining Benefits

  • Get 5x (20) reward points per Rs. 150 spent on Swiggy and Zomato.
  • There is a capping of 2500 reward points per month on the accelerated 4x reward points, while there is no capping on the normal rate of 4 reward points per Rs. 150 spent on Swiggy and Zomato.
  • You have to make a minimum transaction of Rs. 150 to be eligible for the reward points.

Airport Lounge Access

  • You get 8 complimentary lounge visits at 1000+ lounges around the world in a calendar year with the HDFC Bank Diners Club Privilege credit card (2 each quarter).  Lounge access can be availed to both primary cardholders as well as add-on cardholders.
  • The cardholder must spend Rs. 15,000 in the previous quarter to unlock the complimentary lounge access.

Insurance Benefits

Category Insurance Coverage
Accidental Air Death Rs. 1 Crore
Medical Emergency Cover Rs. 25 Lakhs
Delayed Baggage Rs. 50,000
Credit Liability Rs. 9 Lakhs

Fuel Surcharge Waiver

The 1% fuel surcharge is waived for all fuel transactions worth Rs. 400 and more. The maximum fuel surcharge waiver is capped at Rs. 500 per calendar month.

Spend-Based Renewal Fee Waiver

The renewal fee of Rs. 2,500 is waived if you spend Rs. 3 lakhs or more in the previous anniversary year.

Low Foreign Markup Fee

With HDFC Diners Club Privilege credit card, you pay a low foreign markup fee compared to other credit cards. Other banks charge you a foreign markup fee of around 3.5%, but you are charged a markup fee of around 1.99% on the conversion amount.

Eligibility Criteria

Salaried Employees Self-Employed Individuals
Age 21 Years to 60 Years 21 Years – 65 Years
Income Minimum Rs. 70,000 per month Minimum Rs. 8,40,000 per annum (as per ITR)

Should You Get This Credit Card?

You should get this credit card if you want to get an affordable credit card with decent benefits across multiple categories, including travel, dining, lifestyle, etc. Moreover, the card has a lower forex markup fee, so it is also suitable for those who often make foreign transactions using their credit card. Moreover, you can also make your card lifetime free by activating any of the above-mentioned facilities on your card. So, you should go for this card if you want to get maximum benefits with minimum charges.

Process of Application For The HDFC Bank Diners Club Privilege Credit Card

You can apply for the HDFC Diners Club privilege card online as well as offline at your convenience. To apply offline, you can visit the HDFC Bank branch nearest to you and fill in the offline application form for this credit card. Make sure to carry all the necessary documents, including Identity Proof, address proof, income proof, etc. To apply online, you can proceed as follows:

  • Click on Apply Now.
  • Proceed further by filling in the digital application form.
  • Submit your application.

Who Should Apply for the Diners Club Privilege Credit Card?

For those who prefer a premium lifestyle, the HDFC Bank Diners Club Privilege is a nice credit card option. Whether you prefer dining, lifestyle, travel, and other benefits, the card offers it all. As a welcome benefit, you get a 1-year membership to Times Prime and Swiggy One and earn accelerated 5x RPs on Zomato and Swiggy spends.

Moreover, you get a bonus of 10x reward points on spends made via SmartBuy. If you are someone who frequently travels and makes spends in foreign currency, you can benefit from the low 1.99% forex markup fee on the credit card. The card comes at a joining/annual fee of Rs. 2500 plus GST, and it is certainly worth consideration.

HDFC Diners Club Privilege Credit Card Review

With an array of benefits across almost all the categories, the HDFC Bank Diners Club Privilege Credit Card has become a great choice for individuals who are looking for a card with a decent annual fee and exclusive reward offers and benefits. The card provides you with an opportunity to make it a lifetime free card to use just by activating one of the facilities mentioned above.

Moreover, other than the domestic & international lounge access it provides, the low foreign currency markup fee of the card makes it even more suitable for you to choose it in order to save a lot on your international transactions. What do you think about our HDFC Bank Diners Club Privilege credit card review? Do let us know in the comments section.

FAQs:

The reward points accumulated are valid for 2 years for redemption.
Reward points accrued on insurance subject to a maximum limit of 2000 reward points per transaction.
No reward points are issued on e-wallet loading transactions.
No, you can not earn reward points on fuel transactions using your HDFC Bank Diners Club Privilege credit card
1 reward point = Rs 0.5 redeemable on SmartBuy reward portal for flight & hotels bookings
HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Diners Club Privilege Credit Card

(4.5/5)

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