HDFC Bank Diners Club Privilege Credit Card benefits
- Rewards5X
reward points on Swiggy and Zomato
up to 2,500 extra points a month
- Rewards4
reward points per ₹200 on other retail spends
- Lounge2
domestic and 1 international lounge visit each quarter, on spends of ₹60,000 in the quarter before
- Gift₹1,500
brand voucher on quarterly spends of ₹1.5 lakh
- RewardsUp to 10X
reward points through SmartBuy
- Fees
Renewal fee waived on spends of ₹3 lakh in a year
HDFC Bank Diners Club Privilege Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Swiggy, Zomato5X reward points, 20 per ₹200, on Swiggy and Zomato. The extra points are capped at 2,500 a month across both. Our limit covers all points at this rate, so the maths can show a little less than you earn. | 10 points per ₹100 | 2,500 |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.5 in the usual redemption.
No rewards on: Fuel, rent, government transactions, wallet loads, and education payments made through third-party apps.
All reward rules
- Up to 10X reward points on spends through HDFC Bank SmartBuy. Not counted in the maths.
- From 15 May 2026, HDFC Bank gives 4 reward points per ₹200 spent, which is 2 points per ₹100.
- We use ₹0.50 per point, the value for flight and hotel bookings on SmartBuy and at select restaurants. The catalogue gives up to ₹0.35 and cashback up to ₹0.20.
- A ₹1,500 voucher from Marriott, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Dominos on quarterly spends of ₹1.5 lakh. Not counted in the maths.
What the HDFC Bank Diners Club Privilege Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “food and groceries” pattern, using Swiggy and Zomato where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 1% | ₹1,200 |
| Dining and food delivery | ₹9,000 | 5% | ₹5,400 |
| Online shopping | ₹3,000 | 1% | ₹360 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹2,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 1% | ₹360 |
| Everything else | ₹2,000 | 1% | ₹240 |
| Total | ₹30,000 | ₹7,680 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹7,680* |
That is ₹480 a year more than the BOBCARD ETERNA Credit Card on the same spending.
HDFC Bank Diners Club Privilege Credit Card annual fee and charges
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Fee waiver
- ₹3,00,000 a year
- Foreign currency markup
- 3.5%
The card page shows a ₹1,000 joining and renewal fee, waived if you spend ₹3 lakh in a year before renewal. Fees are before GST. From 15 May 2026, a 1.75% markup applies to transactions in Indian currency at an international location.
HDFC Bank Diners Club Privilege Credit Card eligibility
We could not confirm the age and income limits from HDFC Bank's card page. The bank decides at the time of application.
The bank alone decides approval and your credit limit.
HDFC Bank Diners Club Privilege Credit Card lounge access
8 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
From 1 July 2026: 2 domestic and 1 international lounge vouchers each calendar quarter, only if you spent ₹60,000 or more in the quarter before.
Is the HDFC Bank Diners Club Privilege Credit Card right for you?
A card with a ₹1,000 fee that spending can waive, paying 5% at Swiggy and Zomato and an above-average 1% elsewhere.
Worth its fee if you spend about ₹5,000 a month or more. Below that, the ₹1,000 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Swiggy and Zomato: the card pays 5% back there, against 1% on most other spends.
- You spend ₹3,00,000 a year or more (about ₹25,000 a month), so the ₹1,000 renewal fee is waived.
- You fly a few times a year: it includes 8 domestic and 4 international airport lounge visits a year.
Not for you if
- You spend less than about ₹25,000 a month: you would pay ₹1,180 a year with GST.
- You spend more than ₹25,000 a month at Swiggy and Zomato: the higher rate stops there.
- You rarely use Swiggy and Zomato: outside them the card pays 1%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank Diners Club Privilege Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank Diners Club Privilege Credit Card | ₹1,000 | 5% | ₹3,240* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
| BOBCARD TIARA Credit Card | ₹2,499 | 3.75% | ₹4,590* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC Diners Club Privilege Credit Card?
The card page shows a ₹1,000 joining and renewal fee before GST. The renewal fee is waived if you spend ₹3 lakh in a year before renewal.
Is the HDFC Diners Club Privilege Credit Card lifetime free?
No. It has a yearly fee, which you can avoid by spending ₹3 lakh in a year before renewal.
How many reward points does Diners Club Privilege give on Swiggy and Zomato?
It gives 20 reward points per ₹200 on Swiggy and Zomato. The extra points above the normal rate are capped at 2,500 a month across both.
Does the HDFC Diners Club Privilege card give lounge access?
From 1 July 2026, it gives 2 domestic and 1 international lounge voucher each quarter, if you spent ₹60,000 or more in the quarter before.
What is the value of Diners Club Privilege reward points?
1 point is worth ₹0.50 on SmartBuy flights and hotels, up to ₹0.35 in the catalogue and up to ₹0.20 as cashback.