The HDFC Bank Diners Club Privilege Credit Card is a lifestyle and rewards credit card issued by HDFC Bank on the Diners Club International network. It earns 4 reward points for every Rs 150 spent on retail purchases, with accelerated earnings on select categories.

• Card Network: Diners Club International
• Card Type: Rewards/Lifestyle
• Annual Fee: Rs 1,000 (waivable on Rs 3 lakh annual spend)
• Best For: Dining, online shopping via SmartBuy, and domestic travel
• Reward Rate: 1.33% base, up to 13.33% on SmartBuy partners

Earn 4 reward points for every Rs 150 spent on retail purchases. With a point value of Rs 0.50 on SmartBuy, the base reward rate is approximately 1.33%. On SmartBuy partners, you can earn up to 10X reward points, pushing the effective reward rate to 13.33%.

Accelerated Dining Rewards

Get 5X reward points (20 RP per Rs 150) on Swiggy and Zomato orders. The bonus 4X reward points are capped at 2,500 per calendar month, providing an effective reward rate of approximately 6.5% on dining app spends.

SmartBuy Accelerated Rewards

HDFC SmartBuy is where the Diners Club Privilege truly shines. Earn up to 10X reward points on partners like IGP.com, Jockey, and Pharmeasy, and 5X on flights, hotels, Myntra, Nykaa, Redbus, and more. The SmartBuy bonus is capped at 4,000 reward points per calendar month.

Airport Lounge Access

Enjoy 8 complimentary lounge visits per calendar year (2 per quarter) at over 1,000 lounges across India and worldwide. Access is available for both primary and add-on cardholders directly through the credit card. A minimum spend of Rs 15,000 in the previous calendar quarter is required to unlock lounge access.

Quarterly Milestone Vouchers

Spend Rs 1,50,000 or more in a calendar quarter to receive a Rs 1,500 voucher from Marriott Experience, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon. This translates to up to Rs 6,000 in annual milestone value.

BookMyShow BOGO

Buy 1 Get 1 Free on movie and non-movie tickets via BookMyShow on Fridays, Saturdays, and Sundays. Maximum discount is Rs 250 per ticket, with up to 2 free tickets per calendar month.

Good Food Trail Programme

Enjoy up to 20% discounts at partner restaurants through the Good Food Trail dining programme.

Insurance Coverage

• Air Accident Cover: Rs 1 Crore
• Emergency Medical Cover: Rs 25 Lakh (overseas)
• Baggage Loss/Delay: Rs 50,000
• Credit Liability Cover: Rs 9 Lakh

• Complimentary annual membership of Swiggy One on spending Rs 75,000 within 90 days of card issuance.
• Complimentary annual membership of Times Prime on spending Rs 75,000 within 90 days of card issuance.
• Benefits are unlocked within 48 hours of achieving the target spend and can be redeemed on SmartBuy.

Quarterly Milestone Benefits

• Spend Rs 1,50,000 or more in a calendar quarter to earn a Rs 1,500 voucher.
• Choose from: Marriott Experience, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon.
• Maximum annual milestone value: Rs 6,000 (4 quarters x Rs 1,500).
• Track milestone progress and redeem on SmartBuy under Diners Club Benefits.

Annual Fee Waiver

• Spend Rs 3,00,000 in the card anniversary year to get the renewal fee of Rs 1,000 waived.

The HDFC Diners Club Privilege offers 8 complimentary lounge visits per calendar year, distributed as 2 visits per calendar quarter.

• Total Visits: 8 per calendar year (2 per quarter)
• Lounge Network: 1,000+ lounges across India and worldwide
• Access Method: Directly through the Diners Club credit card (no separate pass required)
• Eligible Members: Both primary and add-on cardholders
• Spend Requirement: Rs 15,000 in the previous calendar quarter to unlock lounge access
• Guest Access: Guest visits are charged at prevailing lounge rates

Note: Visits exceeding the complimentary limit will be charged at the prevailing lounge rate inclusive of taxes.

The HDFC Diners Club Privilege earns reward points on retail purchases in multiples of Rs 150. Residual amounts or transactions below Rs 150 do not earn reward points.

Excluded Categories (No Reward Points)

• Fuel transactions
• EasyEMI and Smart EMI conversions
• E-wallet loading
• Rent payments
• Government transactions
• Education through third-party apps (CRED, PhonePe, etc.)

Redemption Options

Reward Point Validity: 2 years from the date of accumulation.

Redemption Fee: Rs 99 + GST per redemption request.

Flight/Hotel Booking Cap: 50,000 reward points per calendar month via SmartBuy. Maximum 70% of booking value can be paid using reward points.

• Nationality: Indian
• Age: Minimum 21 years, Maximum 60 years
• Income: Gross monthly income greater than Rs 35,000
• Credit Score: CIBIL score of 750 or above recommended

For Self-Employed Applicants

• Nationality: Indian
• Age: Minimum 21 years, Maximum 65 years
• Income: Income Tax Return (ITR) greater than Rs 6 lakh per annum

Card-to-Card Application

You can apply for the Diners Club Privilege via card-to-card (C2C) transfer from any other credit card with at least Rs 3 lakh credit limit.

• Aadhaar Card
• Passport
• Voter ID / Election Card
• Driving Licence
• PAN Card

Address Proof (any one)

• Aadhaar Card
• Passport
• Utility Bill (electricity, water, gas - recent)
• Rental Agreement
• Bank Statement with address

Income Proof

• Salaried: Latest 3 months salary slips, 3 months bank statement, Form 16
• Self-Employed: Latest 2 years ITR, 6 months bank statement, business proof

Other Documents

• Recent passport-sized photograph
• Duly filled application form

1. Visit the HDFC Bank website and navigate to the Diners Club Privilege credit card page.
2. Click on the Apply Now button.
3. Fill in the digital application form with your personal, employment, and income details.
4. Upload the required documents (identity proof, address proof, income proof).
5. Submit your application and wait for verification.

Offline Application

1. Visit the nearest HDFC Bank branch.
2. Collect and fill in the credit card application form.
3. Submit the form along with all required documents.
4. The bank will process your application and notify you of the decision.

Card-to-Card Upgrade

If you already hold another HDFC Bank credit card with at least Rs 3 lakh credit limit, you can request an upgrade to the Diners Club Privilege by contacting HDFC Bank customer care or through net banking.

The HDFC Diners Club Privilege Credit Card is a compelling mid-tier offering that delivers exceptional value through its SmartBuy ecosystem, dining rewards, and quarterly milestone benefits. For an annual fee of Rs 1,000 (easily waivable with Rs 3 lakh annual spend), the card provides a reward rate that can reach up to 13.33% on select SmartBuy partners and 6.5% on Swiggy and Zomato.

The card is particularly well-suited for individuals who frequently order food through Swiggy and Zomato, shop via SmartBuy, and value quarterly milestone vouchers. The 8 complimentary lounge visits and comprehensive insurance coverage (Rs 1 Crore air accident, Rs 25 Lakh medical) add significant travel value.

However, the Diners Club network acceptance remains a concern for offline transactions, the 3.5% forex markup makes it unsuitable for frequent international spenders, and the absence of a fuel surcharge waiver is a miss. If these limitations do not affect your spending pattern, the Diners Club Privilege is one of the best value-for-money credit cards in the HDFC Bank portfolio.