HDFC BankDiners Club Privilege
Diners Club
HDFC Bank · Diners Club
Diners Club Privilege
Joining ₹1,000 · Annual ₹1,000 · Renewal fee waived on ₹3 lakh of spends in the card anniversary year
Fee break-even: ≈₹1,00,000/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward Points · assumed 0.5 ₹/point. 1 RP = ₹0.50 on SmartBuy flights and hotels, printed on HDFC's page beside 35 paise catalogue and 20 paise cashback rates, so cash redemptions run lower
Verified 16 Aug 2026Forex markupNot stated, assume 3.5%
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the purchase size, the card page prints no interest rate
Domestic lounge8 a year. 2 visits a quarter as lounge vouchers, unlocked by ₹60,000 of spends in the previous calendar quarter
International lounge4 a year. 1 visit a quarter, behind the same ₹60,000 quarterly spend gate
Milestones
- ◆ Spend ₹1,50,000 per quarter → A ₹1,500 voucher from Marriott, Barbeque Nation, Decathlon, Lakme Salon, O2 Spa or Dominos Worth ₹1,500
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 1% | Base rate |
| Amazon | 1% | Base rate |
| Flipkart | 1% | Base rate |
| Subscriptions & OTT | 1% | Base rate |
| Offline spend | 1% | Base rate |
| UPI spending | 1% | Base rate |
| Dining | 1% | Base rate |
| Swiggy | 5% | The extra 4X portion caps at 2,500 points a calendar month, the base rate keeps going · 5X points on online food orders |
| Zomato | 5% | The extra 4X portion caps at 2,500 points a calendar month, the base rate keeps going · 5X points on online food orders |
| Groceries | 1% | Base rate |
| Quick commerce | 1% | Base rate |
| Swiggy Instamart | 1% | Base rate |
| Blinkit | 1% | Base rate |
| BigBasket | 1% | Base rate |
| Movies & shows | 1% | Base rate |
| BookMyShow | 1% | Base rate |
| PVR INOX | 1% | Base rate |
| Fuel | 1% | Base rate |
| Travel (general) | 1% | Base rate |
| Flights | 1% | Base rate |
| Hotels | 1% | Base rate |
| MakeMyTrip | 1% | Base rate |
| IRCTC rail | 1% | Base rate |
| International | −2.5% | 1% reward − 3.5% forex markup |
| Utilities & bills | 1% | Base rate |
| Rent | 1% | Base rate |
| Education fees | 1% | Base rate |
| Insurance premiums | 1% | Base rate |
| Government & tax | 1% | Base rate |
| Wallet loads | 1% | Base rate |
| Anything else | 1% | Base rate |
| Jewellery | 1% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Buy one get one on BookMyShow, up to ₹250 a ticket, twice a calendar month
- Welcome: Swiggy One and Times Prime annual memberships on ₹75,000 of spends in the first 90 days
- 10% off Dineout bills on top of the points
What we liked
- 5% back on Swiggy and Zomato at the SmartBuy rate, on a ₹1,000 card
- ₹1,500 voucher every quarter you spend ₹1.5 lakh, a straight 1% on top
- Swiggy One and Times Prime memberships free on ₹75,000 in the first 90 days
- 2 domestic and 1 international lounge visits a quarter
What to mind
- The lounge visits need ₹60,000 of spends in the previous quarter, every quarter
- The 50 paise point value needs SmartBuy travel redemptions, cash redemptions pay well under half of it
- Diners Club acceptance still has gaps at smaller merchants and abroad
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 16 Aug 2026.
- https://www.hdfc.bank.in/credit-cards/diners-privilege-credit-card
- https://www.hdfc.bank.in/credit-cards/diners-privilege-credit-card/fees-and-charges