HDFC Bank Diners Club Privilege Credit Card
HDFC Bank
Annual Fee
₹1,000
Joining Fee
₹1,000 + GST
Base Reward
1.33% points
Foreign Markup
3.5%
Fee Waiver
Renewal fee waiver on spending over ₹3 lakhs in the previous year.
Interest Rate
3.75% per month (45% annually)
Welcome Benefits
Complimentary Membership of Swiggy One & Times Prime on spending ₹75,000 within 90 days.
Product Highlights
- 4 Reward Points on every ₹150 spent.
- Up to 10x Reward Points on SmartBuy spends.
- 8 Complimentary Lounge visits both India and abroad.
Rewards
4 Reward Points for every ₹150 spent on retail. 5x Reward Points on Swiggy and Zomato spends. Up to 10x reward points on SmartBuy spends.
Redemption
1 reward point = ₹0.5 redeemable on SmartBuy reward portal for flight & hotels bookings.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 5%(5x Reward Points) | No cap |
other | 1.33%(4 Reward Points) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Swiggy | 5x Reward Points(Capped at 2,500 points per month) | online |
| Zomato | 5x Reward Points(Capped at 2,500 points per month) | online |
Benefits & Features
Domestic: Up to 8 complimentary domestic lounge access every year. (N/A) International: Up to 8 complimentary international lounge access every year. (N/A) 8 complimentary lounge visits at 1000+ lounges around the world in a calendar year. Available to both primary and add-on cardholders.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹35,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
Pros & Cons
Pros
- 4 RPs per ₹150 spent, and 5x RPs on Zomato and Swiggy spends.
- Frequent travelers can benefit from 8 complimentary domestic and international lounge access.
Cons
- Welcome benefit offers Swiggy One and Times Prime membership which may not be wanted by some cardholders.
- There is no cashback on online spends and higher annual fee as compared to similar variants.
Additional Info
Reward points accumulated are valid for 2 years for redemption.
Maximum limit for hotel and flight bookings using reward points is capped at 70% of the booking value.
No reward points are issued on e-wallet loading transactions.
Bonus capped at 2,500 points per month on Swiggy and Zomato spends.
Excluded Categories