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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
₹51,539 for a mid spender · travel
HDFC BANK HDFC Diners Club Privilege
Updated 2026-02-24 3 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
₹51,539 first-year net value · mid spender · travel
Category rewards ₹50,039
Welcome benefit· Welcome reward points ₹1,500
Annual fee − ₹1,000
Fee waiver (met)· 100% annual fee waiver ₹1,000

Net first-year value ₹51,539
SPEND LEVEL
LIFESTYLE
Want numbers tuned to your real spends?
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
4 pts 4 points per ₹150
≈ 2.67% back on eligible spends
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 10.0% back
Current HDFC Diners Privilege product page snippets highlight up to 10X reward points across weekend/dining/partner-brand/SmartBuy categories; detailed sub-category grid was not fully retrievable in this pass. Up to 10X · 10.0%
Everything else (base) · 2.7%
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.

01

Route spending through Current HDFC Diners Privilege product page snippets highlight up to 10X reward points across weekend/dining/partner-brand/SmartBuy categories; detailed sub-category grid was not fully retrievable in this pass..

Earn Up to 10X here — 10.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.

02

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.

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

12 domestic + 12 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.

HOW WE KEEP THIS CURRENT

Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.