Key Benefits
4 RP/Rs 150, 10X intl, 6 lounges, Rs 1Cr insurance
Lounge Access
6 domestic + international combined per year
Eligibility
Min Rs 60K/month income, age 21-60, CIBIL 750+
The HDFC Diners Club Premium Credit Card is a solid travel-focused card with excellent lounge access and low forex markup. While its 1.3% base reward rate is average, the 10X international spend bonus and comprehensive insurance make it worthwhile for frequent travellers. The main drawback is limited Diners Club acceptance in India, so carry a backup Visa or Mastercard.
Best For
Frequent travellers who want complimentary global lounge access, low forex markup, and solid reward points on everyday spends.
Not Ideal For
Those who need wide merchant acceptance (Diners Club is not accepted everywhere), cashback seekers, or entertainment/dining discount enthusiasts.
visits per year
6 complimentary visits combined (domestic + international) per calendar year via Exclusive Lounge Program. Primary cardholder only. Access to 1,000+ airport lounges worldwide.
visits per year
6 complimentary visits combined (domestic + international) per calendar year via Exclusive Lounge Program. Primary cardholder only. Exceeding limit charged at prevailing lounge rate.
All Spends
International
Online
Fuel
Dining
Travel
Shopping
Grocery
Utility Bills
Redeem your Diners Reward Points for cashback, travel, and more
SmartBuy Flight & Hotel Bookings
Redeem up to 70% of booking value with reward points. Balance to be paid by credit card.
AirMiles (Singapore Airlines, Air India)
1:0 transfer ratio
Convert reward points to AirMiles on Singapore Airlines and Air India at 1 RP = 0.50 AirMile.
Statement Credit
1:1 transfer ratio
Cashback
Lowest value redemption option. 1 Reward Point = Rs 0.20 as cashback.
SmartBuy
1:1 transfer ratio
InterMiles
1:1 transfer ratio
Finnair Plus
1:1 transfer ratio
KrisFlyer
1:1 transfer ratio
1-3 Business Days
Aeroplan
2:1 transfer ratio
Avios
2:1 transfer ratio
Instant
Privilege Club
2:1 transfer ratio
Lotusmiles
1:1 transfer ratio
AirAsia Rewards
1:1 transfer ratio
MileagePlus
2:1 transfer ratio
LifeMiles
2:1 transfer ratio
Miles&Smiles
2:1 transfer ratio
Asia Miles
2:1 transfer ratio
Skywards
2:1 transfer ratio
Etihad Guest
2:1 transfer ratio
SpiceClub
1:1 transfer ratio
Royal Orchid Plus
2:1 transfer ratio
Wyndham
1:1 transfer ratio
IHG One
1:1 transfer ratio
Club ITC
2:1 transfer ratio
Bonvoy
2:1 transfer ratio
ALL
2:1 transfer ratio
Radisson Rewards
2:1 transfer ratio
Apple
1:1 transfer ratio
Products Catalogue & Vouchers
Redeem for products and vouchers from the HDFC rewards catalogue.
Catalogue
1:1 transfer ratio
2,500 bonus Reward Points on card activation after payment of joining fee
value
2,500 bonus Reward Points on payment of renewal fee
value
Annual/renewal fee of Rs 2,500 waived on spending Rs 3 lakh in the anniversary year
Spend ₹3,00,000 within 365 days
value
Concierge
100.00% off
24x7 concierge service for travel reservations, restaurant bookings, and more. Call 1800 209 4006.
Travel Desk
Book flights across 150+ airlines and hotels at domestic and international destinations via Diners Club.
See how this card performs in different spending categories compared to other cards.
The HDFC Diners Club Premium Credit Card is a premium travel-focused credit card issued by HDFC Bank on the Diners Club International network. With a joining and annual fee of Rs 2,500, it offers a compelling mix of reward points, global airport lounge access, comprehensive insurance coverage, and one of the lowest forex markup fees available in India at just 2%.
Cardholders earn 4 Reward Points for every Rs 150 spent on retail purchases, with an impressive 10X accelerated earning on international transactions. The card also provides 6 complimentary visits per year to over 1,000 airport lounges worldwide, making it ideal for frequent travellers.
Note: HDFC Bank has stopped accepting new applications for this card. Existing cardholders continue to enjoy all benefits.
The HDFC Diners Club Premium Credit Card is a premium credit card designed for individuals who frequently travel and want to maximise their spending through reward points and travel benefits. It is powered by the Diners Club International network and comes with a range of features including:
The card is positioned between the entry-level HDFC Diners Club Rewardz and the premium HDFC Diners Club Black credit cards in HDFC Bank's Diners Club lineup.
The HDFC Diners Club Premium Credit Card provides complimentary airport lounge access through the Exclusive Lounge Program powered by Diners Club International.
| Redemption Type | Value per Point | Recommended? |
|---|---|---|
| SmartBuy (Flights/Hotels) | Rs 0.50 | Best value |
| AirMiles (Singapore Airlines, Air India) | 0.50 AirMile | Best for travellers |
| Products and Vouchers | Up to Rs 0.35 | Moderate value |
| Cashback | Rs 0.20 | Lowest value |
For flight and hotel bookings, you can redeem up to 70% of the booking value using reward points. The balance must be paid by credit card.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs 2,500 + GST |
| Annual/Renewal Fee | Rs 2,500 + GST (waived on Rs 3 lakh annual spend) |
| Interest Rate | 3.6% per month (43.2% p.a.) |
| Interest-Free Period | Up to 50 days |
| Cash Advance Fee | 2.5% of amount, min Rs 500 |
| Cash Advance Limit | Up to 40% of credit limit |
| Foreign Currency Markup | 2% of transaction value + taxes |
| Late Payment Charges | Nil to Rs 1,300 (tiered based on outstanding) |
| Over Limit Fee | 2.5% of over-limit amount, min Rs 500 |
| Payment Return Fee | 2% of payment amount, min Rs 450 |
| Card Replacement Fee | Rs 100 + GST |
| Reward Redemption Fee | Rs 99 + taxes per redemption |
| Cash Processing Fee | Rs 100 |
| Add-on Card Fee | Free |
| Minimum Repayment | 5% of outstanding or min Rs 200 |
| Fuel Surcharge Waiver | 1% waiver on Rs 400-5,000 transactions (max Rs 500/cycle) |
| Railway Booking Fee | 1.8% + GST |
| Rent Payment | 1%, capped at Rs 3,000 per transaction |
A CIBIL score of 750 or above is recommended for approval. Having an existing relationship with HDFC Bank (salary or savings account) can improve approval chances.
The credit limit typically ranges from Rs 1.5 lakh to Rs 5 lakh, based on income, credit history, and HDFC Bank internal policies.
Note: HDFC Bank has currently stopped accepting new applications for the Diners Club Premium Credit Card.
The HDFC Diners Club Premium Credit Card is a well-rounded travel credit card that punches above its weight in terms of benefits for its Rs 2,500 annual fee. The combination of 6 global lounge visits, Rs 1 crore air accident cover, Rs 25 lakh emergency medical coverage, and a low 2% forex markup makes it an excellent choice for frequent travellers.
The reward rate of approximately 1.3% on regular spends is average, but the 10X multiplier on international transactions significantly boosts value for those who travel abroad. The ability to convert points to AirMiles for Singapore Airlines and Air India adds further flexibility.
The main consideration is the limited Diners Club acceptance network in India. While acceptance has improved significantly, it is advisable to carry a backup Visa or Mastercard. Note that HDFC Bank has stopped accepting new applications for this card, though existing cardholders continue to enjoy all benefits.
Last updated: 1 February 2026
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