Route spending through SmartBuy.
Earn Up to 10X here — 10.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Dining
HDFC BANK · HDFC DINERS CLUB PRIVILEGE CREDIT CARD
HDFC Diners Club Privilege Credit Card
ANNUAL FEE
₹1,000 waived at ₹3L spend
FIRST-YEAR NET VALUE
₹41,160 for a mid spender · travel
HDFC BANK HDFC Diners Club Privilege
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 700+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹41,160 first-year net value · mid spender · travel
Category rewards ₹33,660
Milestone bonus· ₹1,500 voucher from Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Dominos + ₹6,000
Welcome benefit· Welcome reward points ₹1,500
Annual fee − ₹1,000
Fee waiver (met)· 100% annual fee waiver ₹1,000
Net first-year value ₹41,160
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 4 pts 4 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 10.0% back
20 RP per ₹200 on Swiggy and Zomato; the additional 4X portion is capped at 2,500 Reward Points per calendar month (product page 2026-09-17); rate at ₹0.50 per RP 5X · 5.0%
SmartBuy Up to 10X · 10.0%
Everything else (base) · 1.0%
MILESTONES Cumulative bonuses at annual spend tiers
₹6L ₹1,500 voucher from Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Dominos
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Line up your ₹3L before renewal.
Crossing ₹3L in the anniversary year waives the ₹1,000 fee — automatic for spenders at ₹25,000+/month. Watch your pace in months 10–12.
Don't sleep on 20 RP per ₹200 on Swiggy and Zomato; the additional 4X portion is capped at 2,500 Reward Points per calendar month (product page 2026-09-17); rate at ₹0.50 per RP.
The second tier earns 5X (5.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹1,000 · + 18% GST · one-time
Annual fee (year 2+) ₹1,000 · waived at ₹3L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
8 domestic + 4 international visits per year. Primary cardholder.
Welcome voucher
₹1,500 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹3L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How HDFC Diners Club Privilege Credit Card has changed.
Last verified 17 Sep 2026.
- 15 May 2026 Effective 15 May 2026 (lounge from 1 Jul 2026): base earn revised to 4 RP per ₹200 (from 4 per ₹150); Swiggy/Zomato earn 20 RP per ₹200 with the extra 4X capped at 2,500 RP a month; lounge access is now 3 vouchers a quarter (2 domestic + 1 international) on ₹60,000 previous-quarter spend (was ₹15,000); welcome benefit is Swiggy One + Times Prime memberships on ₹75,000 in 90 days (was ₹1,500 vouchers); ₹1,500 quarterly milestone at ₹1.5L recorded as a milestone rather than a welcome benefit. Fee ₹1,000 + taxes and ₹3L waiver unchanged. Base rate falls from 2.67% to 2.0% on the file's RP valuation; lounge gate rises four-fold, so light spenders lose lounge access
- 2024 Enhanced food delivery rewards program Added 5X points on Swiggy and Zomato with monthly cap
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: HDFC Bank Diners Privilege Credit Card product page, HDFC Bank Diners Privilege Credit Card fees and charges page, HDFC Bank Diners Privilege Credit Card eligibility page, hdfc.bank.in, hdfc.bank.in (PDF). Next scheduled review: 17 Mar 2027.