Imagine you spend ₹3,000 every weekend dining out with friends, ₹1,500 weekly on Zomato or Swiggy, and ₹10,000 monthly on shopping and movies. That’s over ₹25,000 per month on lifestyle expenses.

Now, with the HDFC Diners Club Privilege Credit Card, you can earn up to 10x reward points on dining, shopping, and travel. Plus, spending ₹40,000 a month gets you a milestone reward voucher worth ₹500. Add to that free airport lounge access and travel insurance coverage, and you’ve got a card that turns your everyday spending into savings and premium perks.

HDFC Diners Privilege Credit Card Overview

With the HDFC Diners Club Privilege Credit Card, you earn up to 10x reward points on dining, travel, and shopping. If airport lounge luxury pre-flight is your thing, you'll enjoy 8 complimentary lounge visits annually. Regular spending can get you milestone rewards of ₹2,000 every quarter. The card rewards you for using it.

Also, free Zomato Pro, Amazon Prime, and a few other memberships are small privileges that make your day-to-day life easier. It's one of those cards that feels right if you enjoy dining out, travelling, and getting rewarded.

Key Highlights of HDFC Diners Club Privilege Credit Card

Feature	Details
Annual Fee	₹2,500
Welcome Benefits	Complimentary Swiggy One and Times Prime memberships upon spending ₹75,000 in 90 days
Reward Points	4 Reward Points for every ₹150 spent on retail, 20 Reward Points for food delivery, and 40 Reward Points for SmartBuy
Quarterly Milestone Benefits	₹1,500 vouchers for spending ₹1.5 lakh in a quarter
Lounge Access	8 visits per year (2 per quarter) to domestic and international lounges
Insurance Coverage	Credit Liability Cover of ₹9 lakh, Accidental Air Death Cover of ₹1 crore, Emergency Overseas Hospitalization up to ₹25 lakh
Cashback Redemption Value	₹0.2 per Reward Point for cashback

Benefits of HDFC Diners Club Privilege Credit Card

1. Welcome Benefits with HDFC Diners Club Privilege Credit Card

One of the standout features of the HDFC Diners Club Privilege Credit Card is its attractive welcome benefits. Upon activating the card, you can avail yourself of complimentary Swiggy One and Times Prime memberships, provided you spend ₹75,000 within the first 90 days of card issuance.

Swiggy One Membership: Offers free deliveries and discounts on food orders. Depending on Swiggy's ongoing promotions, the membership typically costs between ₹899 and ₹2,999.
Times Prime Membership: Provides benefits, including discounts and vouchers on popular brands such as Uber, SonyLiv, YouTube Premium, Hotstar, and more. The membership is valued at ₹1,199.

Example: If you frequently order food via Swiggy, a Swiggy One Membership could save you around ₹500 per month in delivery charges alone, making it a great value addition.

Drawback: While the welcome benefits justify the card’s joining fee of ₹2,500, the requirement to spend ₹75,000 in 90 days (roughly ₹25,000 per month) may be challenging for low or moderate spenders.

2. Reward Points on HDFC Diners Club Privilege Credit Card

The card offers a tiered reward structure, making it suitable for users who spend time dining, travelling, and shopping. Reward points are earned at the following rates:

4 Reward Points for every ₹150 spent on general retail purchases.
20 Reward Points (5X) for every ₹150 spent on food delivery services like Swiggy and Zomato.
40 Reward Points (10X) for every ₹150 spent on purchases made on SmartBuy, HDFC's proprietary platform for shopping, booking travel, and more.

Example: If you spend ₹10,000 a month on Zomato, you will earn 1,333 Reward Points at the 5X rate (worth ₹666 when redeemed for travel or dining).

Reward Redemption Options for HDFC Diners Club Privilege Credit Card

Reward points earned through this card have a validity of two years and can be redeemed in the following ways:

Redemption Category Value of 1 Reward Point

Category	Value per Reward Point (₹)
SmartBuy	0.5
Dining catalogue via SmartBuy	0.5
Product catalog	0.35
Cashback	0.2

While 1 Reward Point = ₹0.5 for travel and dining, the cashback value of ₹0.2 per point is relatively low.

Drawback: Another limitation is the lack of unlimited rewards for the 5X category (Swiggy/Zomato). The maximum 2,500 Reward Points per month cap on the 5X category means users with high dining spends may not earn rewards beyond a certain threshold.

3. Quarterly Milestone Benefits on HDFC Diners Club Privilege Credit Card

The HDFC Diners Club Privilege Credit Card provides quarterly milestone benefits, a unique feature compared to cards offering annual milestone benefits.

Spending ₹1.5 lakh in a quarter can receive a ₹1,500 voucher from brands like Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon.

Total milestone benefit value for annual spending of ₹6 lakh: ₹6,000.
Additionally, the card’s annual fee of ₹2,500 is waived if you spend ₹3 lakh in a year.

Example: If you spend ₹50,000 per month consistently, you can easily earn milestone vouchers worth ₹6,000 annually while also waiving the annual fee.

4. Travel Benefits on HDFC Diners Club Privilege Credit Card

The HDFC Diners Club Privilege Credit Card includes travel-specific perks, but they are not as extensive as other premium cards:

Complimentary Lounge Access: 2 visits per quarter (8 visits annually) to domestic and international airport lounges.
- Lounge access is granted only if you spent ₹15,000 in the previous quarter.
Low Forex Markup Fee of 2%: This is especially useful for those who frequently make international purchases.

Drawback: The card does not include Priority Pass Membership or the option to redeem points for air miles, which are significant disadvantages for frequent travellers.

5. Dining and Entertainment Benefits on HDFC Diners Club Privilege Credit Card

The card offers multiple benefits for dining and entertainment enthusiasts.

Buy 1 Get 1 Free: Available on movie and non-movie tickets booked via BookMyShow on weekends (Friday, Saturday, and Sunday). The maximum discount per ticket is ₹250, and the offer is valid for up to 2 free monthly tickets.

Read More – HDFC Regalia First Credit Card Lounge Access – Exclusive Perks & Tips
Up to 20% Off: On restaurant bills through Swiggy Dineout.

Example: If you book two tickets worth ₹300 each on a Saturday, you save ₹250 per ticket, resulting in a monthly savings of ₹500.

6. Insurance Coverage with HDFC Diners Club Privilege Credit Card

The card includes a comprehensive insurance package, offering peace of mind to cardholders:

Credit Liability Cover: ₹9 lakh.
Accidental Air Death Cover: ₹1 crore.
Emergency Overseas Hospitalisation: Up to ₹25 lakh.
Travel Insurance: Up to ₹50,000 for baggage delays.

Comparison: HDFC Diners Club Privilege vs. HDFC Regalia vs. HDFC Regalia Gold

Feature	HDFC Diners Club Privilege	HDFC Regalia	HDFC Regalia Gold
Annual Fee	₹2,500	₹2,500	₹2,500
Welcome Benefits	Swiggy One & Times Prime memberships	None	Club Vistara Silver Tier + MMT Black
Reward Rate	4X to 10X	4X	5X
Milestone Benefit	₹1,500 vouchers per quarter	10,000 RP on ₹5 lakh spends	₹5,000 flight vouchers
Lounge Access	8 visits/year (domestic & international)	12 visits/year within India	Priority Pass Membership + Lounge Access

Credit Card Cashback & Rewards

The HDFC Diners Club Privilege Credit Card rewards users for spending habits, particularly in dining, travel, and shopping. The tiered reward structure allows cardholders to maximise their benefits based on their lifestyle choices.

Reward Points Breakdown

General Retail Purchases: 4 Reward Points for every ₹150 spent.
Food Delivery Services (Swiggy/Zomato): 20 Reward Points for every ₹150 spent.
SmartBuy Purchases: 40 Reward Points for every ₹150 spent.

This structure encourages users to utilise the card for everyday expenses, especially in categories where they can earn higher rewards.

Cashback Redemption

While the card offers a variety of redemption options, the cashback value is relatively low compared to other cards. Users should consider their spending habits and how to redeem their points before committing to this card.

Credit Card Fees & Other Charges

The HDFC Diners Club Privilege Credit Card has an annual fee of ₹2,500. However, this fee can be waived if you spend ₹3 lakh a year.

Other Charges

Late Payment Fee: ₹100 to ₹1,000 depending on the outstanding amount.
Cash Withdrawal Fee: 2.5% of the withdrawn amount, with a minimum of ₹500.
Foreign Transaction Fee: 2% of the transaction amount.

Late Payment Fee Applicable

The HDFC Diners Club Privilege Credit Card imposes a late payment fee that varies based on the outstanding amount. Cardholders must make timely payments to avoid these fees, which can accumulate quickly and negate the card's benefits.

Late Payment Fees Based on Outstanding Amount

Outstanding Amount	Late Payment Fee
Up to ₹500	₹100
₹501 to ₹1,000	₹500
₹1,001 to ₹10,000	₹750
Above ₹10,000	₹1,000

HDFC Diners Club Privilege Credit Card Pros & Cons

Pros of HDFC Diners Club Privilege Credit Card

Accelerated Rewards: Earn 5X and 10X reward points on Swiggy, Zomato, and SmartBuy.
Quarterly Milestone Benefits: Flexibility to earn vouchers every quarter.
Low Forex Markup Fee: Ideal for international transactions.
Comprehensive Insurance: High-value coverage for air accidents and overseas emergencies.
Dining Privileges: Discounts and exclusive offers for food lovers.

Cons of HDFC Diners Club Privilege Credit Card

High Spending Requirement: ₹75,000 in 90 days for welcome benefits and ₹1.5 lakh per quarter for milestone benefits.
Limited Travel Benefits: No air miles redemption or Priority Pass Membership.
Low Cashback Redemption Value: 1 Reward Point = ₹0.2 for cashback.
No Fuel Surcharge Waiver: Unlike other HDFC cards, this card does not offer fuel benefits.

Eligibility Criteria for HDFC Diners Club Privilege Credit Card

To apply for the HDFC Diners Club Privilege Credit Card, you must meet specific eligibility criteria:

Age: Minimum age of 21 years and maximum age of 60 years.
Income: A minimum annual income of ₹6 lakh is generally required.
Credit Score: A good credit score (typically above 750) is preferred.

Required Documents to Apply for HDFC Diners Club Privilege Credit Card

When applying for the HDFC Diners Club Privilege Credit Card, you will need to submit the

following documents:

Identity Proof: Aadhar card, passport, voter ID, or government-issued ID.
Address Proof: Utility bill, rental agreement, or any document with your current address.
Income Proof: Salary slips, bank statements, or income tax returns.
Photograph: Recent passport-sized photograph.

How to Apply for an HDFC Diners Club Privilege Credit Card?

Applying for the HDFC Diners Club Privilege Credit Card can be done through various channels, making it convenient for potential cardholders. Here’s a step-by-step guide on how to apply:

1. Online Application

Step 1: Visit the HDFC Bank Website

Open a web browser on your mobile, laptop, or desktop.
Go to the official HDFC Bank website by typing www.hdfcbank.com in the address bar.

Step 2: Go to the Credit Cards Section

On the homepage, find and click on the "Pay" option in the main menu.
Look for "Credit Cards" from the dropdown and click on it.

Step 3: Locate the HDFC Diners Privilege Credit Card

You will see a list of available HDFC Bank credit cards.
Scroll through the options and find the “Lifestyle credit cards” option.
In the drop-down menu, find "HDFC Diners Privilege Credit Card."

Step 4: Start the Application Process

Click the "Apply Now" button on the Diners Privilege Credit Card page.
This will take you to the online application form.

Step 5: Enter Personal Details

Fill in the required information, including:
- Full Name
- Date of Birth
- Mobile Number (for verification)
- PAN Card Number (for identity and financial verification)

Step 6: Provide Address & Employment Details

Enter your current residential address and contact details.
Provide your employment details based on your work status:
- For Salaried Individuals: Mention your company name and monthly salary.
- For Self-Employed Applicants: Enter details of your business and annual turnover.

Step 7: Review and Submit Application

Carefully check all details entered to ensure accuracy and avoid errors.
Agree to the terms and conditions by selecting the checkbox.
Click on the "Submit" button to complete your application.

Step 8: Receive Confirmation & Track Application

After submitting, you will get an application reference number on your screen.
A confirmation email and SMS will be sent to your registered contact details.
You can track your application status using the reference number on the HDFC Bank website.

Step 9: Approval & Card Dispatch

If your application is approved, HDFC Bank will process your request.
Your HDFC Diners Privilege Credit Card will be dispatched to your registered address within a few working days.
Once received, follow the activation instructions to start using your card.

Final Tips for a Smooth Application Process:

Ensure all information is accurate to avoid processing delays.
Upload clear and legible documents for quick verification.
Keep your phone and email active to receive important updates.

2. Offline Application

Visit a Branch: You can also apply by visiting the nearest HDFC Bank branch.
Request an Application Form: Ask for the HDFC Diners Club Privilege Credit Card application form.
Fill Out the Form: Complete the form with accurate details and attach the necessary documents.
Submit the Form: Hand over the completed form and documents to the bank representative.

Conclusion

HDFC Diners Club Privilege Credit Card is an excellent option for people who often enjoy dining out, travelling, and shopping. It is just what an individual would need for a lifestyle that seeks maximum reward and service, courtesy of its generous complimentary welcome benefits, tiered reward structure, and massive insurance cover.

Also Read - HDFC Indigo Credit Card – Travel Benefits, Fees & Rewards

However, applicants should read the high spending requirement and limited travel benefits before signing on. Learn the merits and demerits of using an HDFC Diners Club Privilege credit card. This may bring you closer to choosing the right decision for your financial behaviour and lifestyle.

FAQs Related to HDFC Diners Club Privilege Credit Card

1. What is the annual fee for the HDFC Diners Club Privilege Credit Card?

The annual fee for the HDFC Diners Club Privilege Credit Card is ₹2,500, which can be waived if you spend ₹3 lakh in a year.

2. What are the welcome benefits of the card?

Upon spending ₹75,000 within the first 90 days, you can avail of complimentary Swiggy One and Times Prime memberships.

3. How can I redeem my reward points?

Reward points can be redeemed for flights, hotels, dining, products, or cashback through the SmartBuy platform.

4. Is there a cap on the reward points I can earn?

Yes, there is a cap of 2,500 Reward Points per month for the 5X category (Swiggy/Zomato).

5. What insurance coverage does the card provide?

The card offers a credit liability cover of ₹9 lakhs, accidental air death cover of ₹1 crore, and emergency overseas hospitalisation coverage up to ₹25 lakhs.

6. Can I apply for the card with a low credit score?

A good credit score (typically above 750) is preferred for approval. If your score is lower, it may affect your chances of getting the card.

7. How many lounge visits do I get with this card?

You are entitled to 8 lounge visits per year (2 per quarter) to domestic and international airport lounges, provided you meet the spending requirement of ₹15,000 in the previous quarter.

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