HDFC Diners Club Privilege Credit Card
Fees
₹2,500 + Taxes
Joining & AnnualReward Rate
4 reward points per ₹150; up to 20 reward points on SmartBuy
Welcome Bonus
Complimentary memberships of Swiggy One & Times Prime on fee payment
Lounge Access
2 Domestic + 1 Int'l/Qtr (₹60K Spend)
FindMyCard Expert Take
The HDFC Diners Club Privilege Credit Card features 12 airport lounge visits, BOGO BookMyShow movie tickets, 20X SmartBuy rewards, and Swiggy One membership.
Pros & Cons
Key Advantages
- 12 complimentary airport lounge visits worldwide (Domestic + International)
- Buy 1 Get 1 free movie ticket offer on BookMyShow
- Complimentary premium subscriptions (Swiggy One, Times Prime) on fee payment
- 20 reward points per ₹150 on SmartBuy flights & hotel bookings
- Annual fee waiver on ₹3 Lakh annual spends
Limitations
- Diners Club network acceptance slightly lower than Visa/Mastercard at smaller merchants
- ₹2,500 annual fee charged upfront
- Lounge access requires spending milestone in preceding quarter
Editorial Verdict
The HDFC Diners Club Privilege Credit Card is ideally suited for dining, premium travel & lifestyle experiences. If you want 4 reward points per ₹150; up to 20 reward points on smartbuy, this card delivers real value. The ₹2,500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
4 reward points per ₹150 spent on retail purchases
20 reward points per ₹150 on flights & hotel bookings via SmartBuy
12 complimentary airport lounge access visits per year across India and globally (Requires ₹60,000 spend in preceding quarter)
Buy 1 Get 1 free on movie tickets via BookMyShow (up to ₹250 off on 2nd ticket, 2 times/month)
Complimentary annual memberships of Swiggy One and Times Prime upon achieving spend milestone / fee payment
2 complimentary golf games per quarter across select golf courses in India
2% foreign currency markup fee on international spends
🚀 Milestone Spends Timeline
Annual fee waived on retail spends of ₹3 Lakh in a membership year
Bonus membership vouchers upon achieving ₹1.5 Lakh quarterly spends
Fees & Charging Rates
Annual Fee Waivers
₹2,500 + Taxes
💡 Annual fee waived on ₹3 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹1 Crore
lost card liability
Up to ₹9 Lakh
purchase protection
Up to ₹50,000
emergency medical cover
Up to ₹25 Lakh
Eligibility Criteria
salaried minimum income
₹70,000 per month
self employed ITR
₹8.4 Lakh per annum
age
21 to 60 years
Compare HDFC Diners Club Privilege Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC Diners Club Privilege Credit Card This Card | ₹2,500 + Taxes | 4 reward points per ₹150; up to 20 reward points on SmartBuy | 2 Domestic + 1 Int'l/Qtr (₹60K Spend) | 4.5/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |