Download App
Image of HDFC Diners Club Privilege Credit Card
HDFC Bank

HDFC Diners Club Privilege Credit Card

cat name Dining
cat name Shopping
cat name Reward Points
3.5/5.0

Travel3.0/5

Rewards3.5/5

Dining Benefits4.0/5

Know More
Paisabazaar Review

1st Year Fee: ₹2,500* Plus Applicable Taxes

Rewards

Rewards

Reward rate of up to 13.3%

Dining

Dining

5x rewards on Zomato & Swiggy

Movies

Movies

B1G1 offer on BookMyShow

Updated on April 4, 2025 7:26 pm

Author: Megha Khanna

Find Best Credit Card Offers

It hardly takes 2 minutes

india flag +91 0 /10 Digits

Don't worry, this will not affect your credit score

The entered number doesn't seem to be correct

Please accept the undertaking to proceed further

About The CardReward DetailsBenefits & PrivilegesSavings CalculatorFees & ChargesThings to KnowCard ReviewFAQs

About HDFC Diners Club Privilege Credit Card

HDFC Diners Club Privilege Credit Card is a good choice for people looking for lifestyle benefits across everyday spending categories like dining, shopping, and movies. Cardholders can earn accelerated rewards on popular brands like Zomato & Swiggy, quarterly milestone benefits from Decathlon and Marriott, and the Buy One, Get One offer on BookMyShow. The card also offers up to 10X rewards on Smarbuy, giving users a reward rate of up to 13.33% on accelerated categories and 1.33% as a base rate. Considering such all-round benefits and a decent reward rate, the card competes with HDFC Regalia Gold, which comes at a similar fee of Rs. 2,500.

However, in comparison to Regalia Gold, it lacks some high-end benefits, like a low forex markup fee, a higher reward rate, air-mile redemption, and better frequency of lounge access.  Thus, unlike Regalia Gold, it falls behind in keeping up with the ‘premium-type’ benefits at an affordable rate.

Reward Structure

  • 4 reward points for every Rs. 150 on retail spends​1-3
  • 5X rewards on Swiggy and Zomato (20 reward points on every Rs. 150)4,5
  • Up to 10X reward points on spends at Smartbuy (40 reward points on every Rs. 150)
  • Multiple Redemption Options:
    • For flights and hotel bookings via Smartbuy, 1 RP = Rs 0.56
    • For exclusive Privilege Dining Catalogue via Smartbuy, 1 RP = Rs. 0.5
    • For redemption across product catalog, 1 RP = up to Rs 0.35
    • Redemption against cashback, 1 RP= Rs. 0.207
Image of null
Image of null

Other Features & Benefits

  • Activation Benefits: Annual memberships of Swiggy One and Times Prime.8
  • Milestone Benefits: On spending Rs. 1.5 Lakh in a calendar quarter, gift vouchers worth Rs. 1,500 from Marriott Experience or Decathlon or Barbeque Nation or O2 Spa or Lakme Salon.
  • Lounge Access: 2 complimentary airport lounge access in a quarter, subject to spends of Rs. 15,000 in the previous calendar quarter.
  • Movies: Buy 1 Get 1 Free’ on movie/non-movie weekend tickets (Friday, Saturday, Sunday) via BookMyShow up to Rs. 250 per ticket, valid for up to 2 free tickets every calendar month.
  • Fee Waiver: Renewal fee waiver on annual spends of Rs. 3 Lakhs in the previous year.
  • Dining: Up to 20 % off on restaurant bill payments via Swiggy Dineout.
  • Insurance: Accidental air death cover worth Rs. 1 Crore; Emergency overseas hospitalization: up to Rs. 25 lakhs; Travel Insurance Cover of up to Rs. 50,000 on baggage delay and Credit liability cover of Up to Rs. 9 Lakh.

Savings Calculator

₹

This is mandatory field

If you spend upto ₹0/yr

Spend Rewards₹0

Milestone Benefits₹0

You save₹0

₹2,500 Plus Applicable Taxes

NA

₹2,500 Plus Applicable Taxes

Waived off on Rs. 3 lakh annual spends

Need Help understanding?

Ask Your Question

HDFC Diners Club Privilege: Fees & Charges

Fee Type Amount
Joining Fee Rs. 2,500+GST
Annual Fee Rs. 2,500+GST
Finance Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 500
Rs. 1,001 to Rs. 5,000 Rs. 600
Rs. 5,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 900
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before you apply

Get this card if:

You frequently order food online or dine out

You want a card with a decent reward rate

You want benefits on weekend movie ticket bookings

You will be able to spend Rs. 6 lakh in a year, to maximize value back via milestone benefit and fee waiver

Eligibility Requirements:

Age: 21 to 60 years (Max. 65 years for self-employed)

Income for Salaried: Rs. 35,000 p.m

Income for Self-employed: ITR > Rs. 6 lakh p.a.

Paisabazaar Review

Overall Rating

3.5/5

Travel3.0/5

Rewards3.5/5

Dining Benefits4.0/5

What do we like about this card?

At a joining fee of Rs. 2,500, the card offers a decent return via two complimentary memberships. Additionally, 5X rewards on Zomato & Swiggy, redemption of reward points against dining vouchers, Swiggy One membership, and up to 20% off, makes this card one of the best-suited cards for dining privileges. Instead of an annual milestone benefit, the card offers quarterly milestone benefits to your advantage each quarter. On spending Rs. 1.5 lakh in a quarter, you get a voucher worth Rs. 1,500 from your choice of brands from Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon. When considered together with an annual fee waiver (at 3 lakh), on spending Rs. 6 lakh, you get a benefit of Rs. 8,500.

Pros

  • Accelerated rewards on Swiggy and Zomato
  • Decent base reward rate
  • Multiple reward redemption options
  • Quarterly milestone benefits
  • Low annual fee waiver criteria

Cons

  • Activation benefits come with a higher spend based requirement
  • Low redemption value in comparison to other cards like HDFC Millennia (1:1 at a fee of Rs. 1,000)
  • Lounge access is spend-based
  • No concessional forex markup fee
  • Movie benefits limited to weekend tickets

Conclusion

HDFC Bank has devalued the overall travel benefits on this card by limiting the frequency of lounge access from 12 in a year to 8 and removing the air miles redemption option. Not only is the frequency low in comparison to other cards at this fee, like HDFC Regalia Gold, but you also don’t get a complimentary Priority Pass membership. However, if looked upon generally and not in comparison with other cards, the benefits are decent, if not great. If you use your card majorly for both international travel and shopping, Regalia Gold would be a better option at this fee. However, Diners Club Privilege can be a good option for those who want decent reward benefits with accelerated dining perks.

Frequently Asked Questions

Everything you need to know about this credit card

The card offers complimentary memberships of Swiggy One & Times Prime on card activation. Besides, you get a voucher worth Rs. 1,500 from Marriott, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon worth Rs. 1,500 on spending over Rs. 1.5 Lakh every calendar quarter.

HDFC Diners Club Privilege Credit Card offers great benefits on multiple lifestyle categories including dining, shopping and movies. The card comes along with card activation benefits, milestone benefits, renewal fee waiver, complimentary airport lounge access, and reward points among others.

The card comes with an annual fee of Rs. 2,500 plus applicable taxes. However, on spending Rs. 3 lakh in a year, your next year’s renewal fee gets waived off.

Yes, the reward points earned via HDFC Diners Club Privilege Credit Card are valid for 2 years from the date of accumulation. You can redeem the reward points for flights and hotel bookings on SmartBuy, dining vouchers, product catalogue, or for cashback.

No, the golf benefit on the card has been discontinued w.e.f August 1, 2023.

img

Need More Help?

Leave a comment or ask a question!

Ask Your Question

Footnotes

  1. Transactions not eligible for reward point earning: fuel, cash advances, payment of outstanding balance, payment of card fees and other charges, Smart EMI/Dial an EMI.
  2. Reward points on insurance, utility, and telecom will have a maximum cap of 2,000 points per day (each category). Reward points earned on grocery transaction will be capped at 2000 reward points per calendar month.
  3. The maximum reward points that can be earned in a statement cycle is capped at 50,000 reward points.
  4. Out of 5X rewards on Zomato & Swiggy, capping for 4X rewards is maximum 2,500 in a month, while the remaining 1X rewards are eligible for unlimited rewards.
  5. 5X rewards applicable on minimum transaction value of Rs. 150.
  6. Cardholders can redeem up to a maximum of 70% on the travel bookings (flights, hotels and experiences) using reward points, capped at 50,000 reward points per calendar month.
  7. Redemption of reward points against statement balance (cashback redemption) will be capped at 50,000 points per calendar month.
  8. Activation benefits are subject to spending Rs. 75,000 within the first 90 days of card issuance.

Click here to know More Terms and Conditions

Megha Khanna linkedIn icon

Content Writer

Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

Trending Articles on Credit Cards

View All Articles
img
How Credit Cards Affect Your Credit Score
img
Paisabazaar
November 29, 2022
img
Why are Credit Cards better than Debit Cards?
img
Shruti Sharma
October 28, 2022
img
All you Need to Know about No Cost EMI on Credit Cards
img
Paisabazaar
May 11, 2022
img
5 Ways To Maximise The Benefits Of Your Credit Card
img
Megha Khanna
March 2, 2022
img
5 Common Credit Card Mistakes to Avoid
img
Paisabazaar
February 25, 2022

Explore other Card Categories

cat name Travel
cat name Lounge Access
cat name Dining
cat name Shopping
cat name Co-branded
cat name Movies
cat name Reward Points
cat name Cashback
cat name Fuel
cat name Online Shopping

Explore Cards from Leading Issuers

HSBC Bank HDFC Bank SBI Cards American Express ICICI Bank Kotak Mahindra Bank Axis Bank Standard Chartered Bank Yes Bank RBL IndusInd Bank IDFC FIRST AU Small Finance Bank Federal Bank Bank of Baroda Punjab National Bank SBM Bank Canara Bank
icon

Check eligibility for best credit cards

Check Eligibility
Menu