HDFC Bank Diners Club Privilege Credit Card
HDFC Bank · Points/miles card · ₹1,000 annual fee
Fees & benefits
| Annual fee | ₹1,000 + GST — waived at ₹3,00,000/yr spend |
| Welcome benefit | None |
| Airport lounges | 8 domestic · 4 international / year |
| No rewards on | fuel, rent, government, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 5X on Swiggy/Zomato food delivery | 2.5% | ₹625 | swiggy, zomato · online |
| 10X on SmartBuy | 5% | ₹2,500 | cleartrip · online |
| Base reward points (4 per Rs.200) | 0.5% | Uncapped | all eligible spend |
Milestones
Quarterly milestone benefit: ₹6,000 at ₹4,00,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
8 domestic + 4 international lounge visits/year. Welcome: Swiggy One + Times Prime after Rs.75,000 spend in 90 days.
Diners Club acceptance is narrower than Visa/Mastercard.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the HDFC Bank Diners Club Privilege Credit Card lifetime free?
No, the annual fee is ₹1,000 (plus GST), waived on spending ₹3,00,000 a year.
What is the highest reward rate on the HDFC Bank Diners Club Privilege Credit Card?
5% — 10X on SmartBuy. Effective value depends on monthly caps; see the caveats on this page.
Does the HDFC Bank Diners Club Privilege Credit Card give airport lounge access?
Yes — 8 domestic visits/year and 4 international visits/year.