Diners Club 📡 Contactless NFC

HDFC Bank Diners Club Privilege Credit Card

Joining Fee₹2,500

Annual Fee₹2,500

Forex Markup 2%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Urban food lovers and frequent travelers seeking 5X points on Swiggy and Zomato, domestic + international lounge visits, and 1:0.5 air mile transfers.

Who Should Avoid

Users who cannot meet the ₹15,000 quarterly spend threshold for lounge visits or those shopping where Diners Club is unsupported.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary annual memberships of Swiggy One and Times Prime upon spending ₹75,000 within first 90 days of card setup

5X Rewards on Swiggy & Zomato

Earn 20 Reward Points (5X, 6.66% return) per ₹150 spent on Swiggy and Zomato (capped at 2,500 points/month).

Domestic & International Airport Lounge Access

8 complimentary domestic and 6 complimentary international lounge visits per calendar year via Priority Pass.

Swiggy One & Times Prime Memberships

Complimentary Swiggy One and Times Prime annual memberships on spending ₹75,000 within first 90 days.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.5

Standard Base Earning

4 Reward Points per ₹150 spent on regular retail (1.33% return; 1 RP = ₹0.50 for SmartBuy travel)

Accelerated / Partner Rate

20 Reward Points (5X, 6.66% return) per ₹150 spent on Swiggy and Zomato (capped at 2,500 points/month); Up to 10X points via SmartBuy; Buy 1 Get 1 free on BookMyShow (up to ₹250 twice a month)

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: SmartBuy Flight & Hotel Bookings (1 RP = ₹0.50), Air Mile Transfers (1 RP = 0.50 Air Mile), Apple Products & Tanishq Vouchers via SmartBuy (1 RP = ₹0.50), Direct Statement Cash Credit (1 RP = ₹0.20)

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Jewellery EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)

🌐

International Lounge Visits6 complimentary international airport lounge visits per calendar year via Priority Pass / Diners Club for primary and add-on cardholder

⚠️

Spend Criteria: Requires minimum retail spend of ₹15,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹300,000/yr

Annual renewal fee of ₹2,500 is waived off on spending ₹3,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Diners Club network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹70,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the HDFC Bank Diners Club Privilege Credit Card

Annual Fee: ₹2,500/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, HDFC Bank Diners Club Privilege Credit Card has a joining fee of ₹2500 and an annual renewal fee of ₹2500 (plus applicable taxes).

HDFC Bank Diners Club Privilege Credit Card ₹2,500/yr