HDFC Bank Diners Club Privilege Credit Card
Experience the privilege of global belonging and premium rewards.
Annual Fee
₹1,000
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The HDFC Diners Club Privilege is a strong mid-premium card that excels in dining and travel rewards via the SmartBuy portal. While its offline acceptance can be a hurdle, the BOGO movie benefits and lounge access for add-on members provide significant value for its fee.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹2,200
Year 2+
+₹2,200
Fee waiver eligible!
Why get this card
High reward rate of up to 13.3% on SmartBuy for flights and hotels
Complimentary lounge access for both primary and add-on cardholders
Buy 1 Get 1 Free offer on BookMyShow for weekend movie and non-movie tickets
Watch out for
Diners Club network has lower offline acceptance compared to Visa/Mastercard
Lounge access is spend-based, requiring ₹15,000 spend in the previous quarter
High foreign currency markup of 3.5% compared to other premium cards
Who is this card for?
Best for
lifestyle spender
Users who frequently dine out via Swiggy/Zomato and book travel through SmartBuy.
Min: ₹40,000/mo
Skip if you're
international traveler
Travelers looking for low forex markup or high-frequency international lounge access.
Base Earning
4 Reward Points
per ₹150 spent
0.5%
effective rate
Point value: ₹0.20/point
Bonus Categories
Swiggy & Zomato - DINING
5×
2.67% return
2500 pts/month
SmartBuy - TRAVEL
10×
5.33% return
Welcome Offer
Complimentary annual memberships of Swiggy One and Times Prime upon spending ₹75,000 in the first 90 days.
Spend ₹75,000 within 90 days
Milestones
Spend ₹1.5L
Choice of vouchers from Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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