HDFC Bank
HDFC Bank Diners Club Privilege Credit Card
Annual Fee
₹1,180₹1,000 + GSTBase Reward
1.33% points
Foreign Markup
3.5%
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.
Category Rewards
dining
5x Reward Points
5X
Specialty
4 Reward Points
1.33X
Fee Waiver
Renewal fee waiver on spending over ₹3 lakhs in the previous year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Swiggy
5X RP on Swiggy + Zomato
Zomato
5X RP on Swiggy + Zomato
Reward Calculator
Earns ₹6,820/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
8.0K
HDFC Reward Points
₹8.0K
via smartbuy flights
Effective rate
5.13%
Annual fee
₹1,180
Year 1 net
+₹6,820
Year 2+ net
+₹6,820
ongoing
Adjust your spend by reward bucket
2 bucketsRedemption channels
highest value = bestSmartbuy flights
₹1/pt
Catalogue
₹0.65/pt
Milestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
₹1,500 voucher (Marriott / McDonalds / Dominos / Decathlon / Barbeque Nation / O2 Spa / Lakme Salon)
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
cash advance, outstanding balance, card fees, emi
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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.
- 1 reward point = ₹0.5 redeemable on SmartBuy reward portal for flight & hotels bookings.
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.
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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Renewal fee waiver on spending over ₹3 lakhs in the previous year.