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HDFC Diners Club Privilege
88/100 · ₹2,500/yr
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HDFC Bank
HDFC Diners Club Privilege
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HDFC Diners Club Privilege

by HDFC Bank · Data verified 2 days ago

Mid-range Diners card with 4 RP per ₹200, 10X on SmartBuy, lounge access with ₹60K quarterly spend.

88
Score
Based on rewards, fees, benefits & eligibility
₹2.5K
Fee
Waiver available on spending
4
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
4 RP Earn
base reward rate
8 per year Lounges
complimentary
₹2,500/yr
waiver available
88/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹2,500
Net Annual Value

You save per year!

What's Great

  • 8 domestic + 4 international lounge visits per year (on ₹60k quarterly spend)
  • 2 complimentary golf games per calendar quarter
  • Buy 1 Get 1 Free on BookMyShow weekend shows (up to ₹250/ticket)
  • Complimentary Swiggy One and Times Prime memberships on ₹75k spend in 90 days
  • Low 2.0% foreign currency markup

Things to Consider

  • Lounge access requires ₹60,000 spend in preceding calendar quarter
  • Diners Club network acceptance is lower than Visa/Mastercard at local merchants
  • Card reissuance fee ₹199 applies

Perfect For

Travelers Lounge lovers

About This Card

Mid-range Diners card with good lounge access
Annual Fee
₹2,500
Waiver
Spend ₹3 Lakh annually in an anniversary year
Joining Fee
₹2,500

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.49% - 3.49%
Foreign Transaction Fee
Markup on international txns
2.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹500/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹500) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹100.01-₹500
₹100
₹500.01-₹5,000
₹500
₹5,000.01-₹20,000
₹750
₹20,000.01-₹50,000
₹1,000
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹100
4
Reward Pts
₹0.50
Point Value
0.00%
Cashback
Welcome Bonus
Complimentary Annual Memberships of Swiggy One & Times Prime on ₹75,000 spends in first 90 days

Milestone Rewards

Monthly voucher on Rs.40K spend
Annual memberships on Rs.5L spend

Reward Earning by Category

Category Reward Rate Details
Dining & Shopping —
Fuel —
Point Value: 1 point = ₹0.50 | Redemption Fee: ₹99 + GST per request

Domestic Lounges

8 per year

Int'l Lounges

4 per year

Travel Insurance

₹100L cover

Golf Benefits

Complimentary

Concierge

24/7 assistance

Fuel Savings

₹500/mo

Lost Card Cover

₹0

Movies

  • •Buy 1 Get 1 Free on BookMyShow weekend shows, max discount Rs.250/ticket

Dining

  • •5X reward points on Swiggy/Zomato
  • •20% discount on Swiggy Dineout

Shopping

  • •Complimentary Swiggy One and Times Prime memberships
  • •Vouchers worth Rs.1,500 on quarterly spends of Rs.1.5L

Travel

  • •2 domestic + 1 international lounge per quarter (requires Rs.60K quarterly spend from July 2026)

Partner Benefits

  • •10X reward points on SmartBuy + Diners Partners

Special Offers & Features

  • •2 Complimentary Golf Games per calendar quarter
  • •24x7 Personal Concierge

EMI Options

  • •EMI conversion on purchases above Rs.2,500
  • •Tenure options: 3, 6, 9, 12, 18, 24 months
  • •Interest rate: 12-24% p.a. depending on tenure
  • •No-cost EMI available at select partner merchants via SmartBuy

Reward Transfer Partners

Air India
Ratio: 4:1
Min: 5,000 pts
Transfer: 2-3 days
4 RP = 1 Flying Returns point
Marriott Bonvoy
Ratio: 4:1
Min: 5,000 pts
Transfer: 3-5 days
Marriott Bonvoy transfer

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic

Mobile Wallet Support

Google Pay Apple Pay Samsung Pay
88 out of 100

CardSahayak Score

"Apply Now" takes you to HDFC Bank's official website.

Eligibility

Salaried ₹70,000/mo
Self-Employed ₹70,000/mo
Age 21-65 yrs
CIBIL 720+
Employment Salaried, Self-Employed
Card Variant Privilege

Scores

Rewards 59/100
Fees 96/100
Benefits 81/100
Access 72/100

⚡ Quick Compare

Compare with other cards to find the best fit.

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8 Active Offers

Deals & Offers

Exclusive offers available on HDFC Diners Club Privilege

MakeMyTrip

MakeMyTrip

Travel across India with flat 12% instant discount up to ₹2,000 on MakeMyTrip using your HDFC Bank Credit Card.Book domestic air tickets on all major domestic carriers with coupon HDFCDOM for upfront savings.

12
Till 31 Dec 2026 HDFCDOM travel
Discount
Flat 12% up to ₹2,000
Min Spend
₹5,000
Max Savings
₹2,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the MakeMyTrip app or visit makemytrip.com.
Step 2: Choose eligible domestic flights with booking value of ₹5,000 or more.
Step 3: Enter coupon code HDFCDOM on the payment page.
Step 4: Pay using any HDFC Bank Credit Card to get an instant discount up to ₹2,000.
Terms & Conditions

Valid on domestic flight bookings across India. Minimum booking value of ₹5,000 is required. Maximum discount is ₹2,000 per booking. Valid once per cardholder per calendar month. Excludes commercial and corporate cards.

Use Code: HDFCDOM
Visit Offer
Apple

Apple

Get up to ₹10,000 instant cashback on your dream Apple devices including iPhone 16 series, MacBook Air, and iPad with HDFC Bank Credit Cards.Available both online at apple.com/in and across all Apple Authorized Resellers across India.

10000
Till 31 Dec 2026 electronics
Discount
Up to ₹10,000 instant cashback
Min Spend
₹30,000
Max Savings
₹10,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit any Apple Authorized Reseller (Imagine, Aptronix, Croma) or Apple Online Store.
Step 2: Choose an eligible iPhone 16 series, MacBook Air/Pro, or iPad.
Step 3: At checkout, select HDFC Bank Credit Card Instant Cashback offer.
Step 4: Select Full Swipe or 6/12/24 month No-Cost EMI to trigger up to ₹10,000 instant cashback.
Terms & Conditions

Valid on select Apple models. Applicable on 6, 9, 12, 18, 24 months EMI and full-swipe credit card transactions. Valid once per card during promotional tenure. Instant cashback is credited on the invoice value.

Visit Offer
Swiggy

Swiggy

Enjoy flat ₹100 off on every food delivery order above ₹499 on Swiggy using your HDFC Bank Credit Card.Use code HDFCFD100 to enjoy dining savings across thousands of restaurants.

100
Till 31 Dec 2026 HDFCFD100 dining
Discount
Flat ₹100 off
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the Swiggy mobile app.
Step 2: Add delicious meals worth ₹499 or more to your cart.
Step 3: Enter promo code HDFCFD100 on the payment screen.
Step 4: Pay with any HDFC Bank Credit Card to get an instant ₹100 deduction.
Terms & Conditions

Valid twice per user per calendar month. Applicable on food delivery orders only. Minimum order value of ₹499 is required.

Use Code: HDFCFD100
Visit Offer
Cleartrip

Cleartrip

Book luxury hotel stays and weekend getaways on Cleartrip with flat 25% instant discount up to ₹3,500 using your HDFC Bank Credit Card.

25
Till 31 Dec 2026 CTHDFC travel
Discount
Flat 25% up to ₹3,500
Min Spend
₹4,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit Cleartrip website or mobile app.
Step 2: Select eligible domestic hotels and rooms with booking value of ₹4,000+.
Step 3: Enter promo code CTHDFC at checkout.
Step 4: Pay with your HDFC Bank Credit Card to get an instant 25% discount up to ₹3,500.
Terms & Conditions

Valid once per card per month. Applicable on domestic hotel bookings across India. Minimum spend ₹4,000.

Use Code: CTHDFC
Visit Offer
Reliance Digital

Reliance Digital

Shop the latest consumer electronics and smart home appliances at Reliance Digital with flat 7.5% instant discount up to ₹4,000 on your HDFC Bank Credit Card.

7.5
Till 31 Dec 2026 electronics
Discount
Flat 7.5% up to ₹4,000
Min Spend
₹15,000
Max Savings
₹4,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit Reliance Digital store or reliancedigital.in.
Step 2: Select eligible laptops, smartphones, or home appliances worth ₹15,000+.
Step 3: Choose HDFC Bank Credit Card offer at checkout.
Step 4: Instant discount up to ₹4,000 is deducted from the final invoice.
Terms & Conditions

Valid on select electronics. Applicable on full-swipe and EMI transactions. Maximum discount ₹4,000 per card per month.

Visit Offer
BookMyShow

BookMyShow

Enjoy up to ₹250 off on movie and experience bookings on BookMyShow using your eligible HDFC Bank Credit Card.

₹250
Till 31 Dec 2026 entertainment
Discount
Up to ₹250 Off
Min Spend
₹500 (2 tickets)
Max Savings
₹250
Valid Until
31 Dec 2026
How to Avail
Step 1: Select movie tickets on BookMyShow app or website.
Step 2: Proceed to payment page and click 'Unlock Offer or Apply Promocodes'.
Step 3: Select HDFC Bank Credit Card offer and enter card details to get up to ₹250 instant discount.
Terms & Conditions

Valid on minimum booking of 2 tickets. Applicable on select HDFC Bank Credit Cards. Limit once per cardholder per calendar month.

Visit Offer
Swiggy Dineout

Swiggy Dineout

Save 10% up to ₹500 on restaurant bills via Swiggy Dineout using HDFC Bank Credit Cards (codes: HDFCINFINIA up to ₹500, HDFCDINERS up to ₹400, HDFCCARDS up to ₹200; valid twice per month through 31st December 2026).

10% (up to ₹500 on Infinia, ₹400 on Diners Black, ₹200 on other HDFC cards)
Till 31 Dec 2026 HDFCINFINIA / HDFCDINERS / HDFCCARDS dining
Discount
Flat 10% up to ₹500
Min Spend
₹2,000
Max Savings
₹500
Valid Until
31 Dec 2026
How to Avail
Step 1: Settle your dining bill using Swiggy Dineout on the Swiggy app at partner restaurants.
Step 2: Enter promo code HDFCDINERS at checkout.
Step 3: Pay with your HDFC Diners Club Privilege Credit Card to claim instant 10% discount up to ₹400.
Terms & Conditions

Official HDFC Bank Swiggy Dineout offer (valid 1st Jan 2026 to 31st Dec 2026, twice per month per user): 10% off up to ₹500 on Infinia (code HDFCINFINIA, MOV ₹3,500), 10% off up to ₹400 on Diners Club Black/BizBlack (code HDFCDINERS, MOV ₹3,000), and 10% off up to ₹200 on other eligible HDFC Credit Cards (code HDFCCARDS, MOV ₹2,000).

Use Code: HDFCINFINIA / HDFCDINERS / HDFCCARDS
Visit Offer
Croma

Croma

Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma with HDFC Bank Credit Cards & EasyEMI on Debit/Credit Cards (valid 18th September 2026 to 31st December 2026).

₹4,000
Till 31 Dec 2026 shopping
Discount
Flat ₹4,000 instant discount
Min Spend
₹20,000
Max Savings
₹4,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop for electronics or home appliances at Croma stores or croma.com.
Step 2: Ensure cart total is ₹20,000 or more.
Step 3: Pay using any HDFC Bank Credit Card or EasyEMI to receive instant discount.
Terms & Conditions

Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma stores and Croma.com with HDFC Bank Credit Cards & EasyEMI on HDFC Bank Debit/Credit Cards (valid 18th September 2026 to 31st December 2026; excludes co-branded cards).

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about HDFC Diners Club Privilege

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹70,000/month min
  • • Self-employed: ₹70,000/month min
  • • CIBIL: 720+ recommended
The annual fee is ₹2,500. The fee can be waived by Spend ₹3 Lakh annually in an anniversary year.
You earn 4 reward points per eligible transaction. Each point is worth approximately ₹0.50. Welcome bonus: Complimentary Annual Memberships of Swiggy One & Times Prime on ₹75,000 spends in first 90 days on activation! Redeem for flights, hotels, vouchers via HDFC Bank rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 8 per year
  • ✓ International: 4 per year
  • → 8 complimentary domestic lounge visits per calendar year (up to 2 per quarter upon spending ₹60,000 or more in the preceding calendar quarter; voucher generated via SmartBuy)
  • → 4 complimentary international lounge visits per calendar year (1 per quarter upon spending ₹60,000 or more in the preceding calendar quarter; voucher generated via SmartBuy)
  • • Instant: Pre-approved HDFC Bank customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for HDFC Diners Club Privilege today and unlock amazing rewards and premium experiences.

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