HDFC Diners Club Privilege Credit Card – Complete Guide to Features & Benefits

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

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

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

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.

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.