HDFC Diners Club Privilege Credit Card
Fees
₹2,500 + Taxes
Joining & annual
Reward Rate
4 reward points per ₹200 retail (revised from ₹150, effective 15 May 2026); up to 20 reward points on SmartBuy flights & hotel bookings
Welcome Bonus
Complimentary memberships of Swiggy One & Times Prime on fee payment
Lounge
2 Domestic + 1 Int'l/Qtr (₹60K Spend)
Our 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.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
5X on Swiggy and Zomato
Max 2,500 bonus points per calendar month
-
Up to 10X via SmartBuy
Max 4,000 bonus points per calendar month
Where this card earns most
Paying directly in the app or site · 1% on other spends
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 ₹200 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
Key Perks & Spending Milestones
4 reward points per ₹200 spent on retail purchases (revised from ₹150, effective 15 May 2026)
20 reward points per ₹200 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
Spend milestone
Annual fee waived on retail spends of ₹3 Lakh in a membership year
Spend milestone
Bonus membership vouchers upon achieving ₹1.5 Lakh quarterly spends
Fees & Charges
Joining fee
₹2,500 + Taxes
Annual fee
₹2,500 + Taxes
Annual fee waived on ₹3 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
Did HDFC Diners Club Privilege's reward rate change in 2026?
How does lounge access work on Diners Club Privilege?
Is the annual fee on Diners Club Privilege waivable?
What perks come with the fee payment on Diners Club Privilege?
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 ₹200 retail (revised from ₹150, effective 15... | 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 |