HDFC Bank
HDFC Bank Diners Club Privilege Credit Card
Annual Fee
₹1,000
Base 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 Reward Points
other
4 Reward Points
4 Reward Points
Fee Waiver
Renewal fee waiver on spending over ₹3 lakhs in the previous year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Swiggy
online(Capped at 2,500 points per month)
Zomato
online(Capped at 2,500 points per month)
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
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.