HDFC Bank Diners Club Privilege Credit Card
A ₹1,000 Diners Club card earning 4 reward points per ₹200 (20 per ₹200 on Swiggy and Zomato), worth ₹0.20 as cashback or ₹0.50 on SmartBuy flights and hotels, with BookMyShow buy-one-get-one and lounge vouchers on ₹60,000 of quarterly spend. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹1,000 plus GST Fee schedule |
|---|---|
| Annual fee | ₹1,000 plus GST Fee schedule |
| Annual fee waiver | On ₹3,00,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Reward redemption fee | ₹50 plus GST MITC |
Rewards
Reward points, ₹0.20 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Swiggy and Zomato online food orders: 20 points per ₹200 | 20 points per ₹200 Terms | up to 2,500 points a month Terms |
| Other retail spends: 4 points per ₹200 | 4 points per ₹200 Product page | no cap on record |
The 2,500-point monthly cap applies to the extra 16 points per ₹200 on Swiggy and Zomato; the base 4 points there are uncapped. CardWise applies the cap to all 20 points and values spend above it at 4 points, which slightly understates. Points accrue on multiples of ₹200, up to 50,000 a statement cycle and 2,000 a month on groceries.
No rewards on
Benefits
- Lounges: 2 domestic and 1 international lounge visits a calendar quarter, as vouchers, for the primary cardholder — ₹60,000 of spend in the previous calendar quarter Terms
- Welcome: Swiggy One and Times Prime annual memberships on ₹75,000 of spend in the first 90 days Terms
- Milestone: ₹1,500 voucher (Marriott, Domino's, Decathlon and others) on ₹1.5 lakh of spend in a calendar quarter Terms
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- Buy one, get one free on weekend BookMyShow tickets: up to 2 free tickets a month, ₹250 off each Product page
- Points worth ₹0.50 each on SmartBuy flight and hotel bookings Product page
- Up to 10X reward points on SmartBuy Product page
- 1 international lounge visit a quarter with ₹60,000 of spend in the previous quarter Terms
- Extra 10% off Dineout bills at participating restaurants Product page
- Air accident insurance cover of $125,000 Product page
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian national Product page
- Salaried: net monthly salary of ₹35,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Not published by HDFC Bank in the documents read
- a fuel surcharge waiver
- a RuPay variant for UPI
- a rupee value for the welcome memberships
Where HDFC Bank’s documents differ, and what is used
- Earn unit: the older card terms (06-23), still linked from the product and fees pages, give rates per ₹150; the June 2026 terms and the notice effective 15 May 2026 give them per ₹200. The newer documents are used.
The quotes behind the figures
41 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee: ₹1,000 plus applicable taxes”
“Renewal Fee: ₹1,000 plus applicable taxes”
“Fee Waiver: Spend ₹3 lakh to enjoy a waiver on the renewal fee for the following year.”
“Foreign Currency Markup: Nominal 3.5% on all your foreign currency spends.”
“Cashback at a value of 1 RP = Rs 0.20.”
“Earn 5X Reward Points i.e. 20 reward points for every Rs. 200 spent on Swiggy, Zomato”
“16 reward points (4X) for every Rs. 200 spend on Swiggy & Zomato is capped at 2500 reward points per calendar month across both merchants combined.”
“4 reward points for every 200 spend on Swiggy, Zomato will continue as is without any capping”
“Minimum transaction value to be eligible for reward points is Rs. 200”
“Earn 4 Reward Points on every Rs.200 retail* spends”
“Reward Points earnings will now be 4 Reward Points for every 200 spent on eligible categories. (Effective 15th May, 2026)”
“Reward Points will be earned for transaction amounts in multiples of 200, residual amounts or transactions below 200 will not earn Reward Points.”
“The maximum reward points that can be earned in a statement cycle for Regalia Gold, Regalia, Regalia Activ, Business Regalia, Diners Privilege, Diners ClubMiles, Diners Premium Card is 50,000.”
“Reward Points shall not be eligible for the following spends on the card, o Fuel Spends o Cash Advances o Payment of Outstanding Balances o Payment of card fees and other charges o Smart EMI / Dial an EMI transaction”
“Rent payments will not earn Reward Points/CashPoints on all the cards.”
“Government related transactions will not earn Reward Points/CashPoints on all the cards except BizBlack Metal Card”
“b. EasyEmi and e-wallet loading transaction will not accrue Reward Points.”
“With effect from 1st September 2024, Education payments made through third- party apps like (but not limited to) CRED, Cheq, MobiKwik, etc will not earn Reward Points.”
“Joining/Renewal Membership Fee - ₹1,000/- + Applicable Taxes”
“Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.”
“Redeem Rewards Points on exclusive reward redemption catalogue for HDFC Bank Diners Club Privilege Credit Card 1 RP upto Rs 0.35”
“Reward Points earned on Grocery transactions will be capped per month to: 2000 Reward Points for Infinia, Diners Black Metal Edition, Diners Black, Regalia, Regalia Gold, Regalia Activ, Regalia first, BizBlack Metal Card, BizPower, Business Regalia, Business Regalia first, Diners Privilege”
“Enjoy 2 domestic and 1 international lounge visits per calendar quarter by spending Rs. 60,000 in the previous quarter.”
“Complimentary access is allowed to Primary card holder only.”
“Earn 5X Reward Points i.e. 20 reward points for every Rs. 150 spent on Swiggy, Zomato”
“g. Cashback Redemption Charges: A Processing fee of Rs. 50 + GST will be charged per cashback redemption request.”
“Customer would get 3 complimentary lounge access vouchers on spends of Rs. 60,000 or more in preceding calendar quarter- 2 Domestic lounge access (Within India) + 1 International lounge access (Outside India).”
“3. Welcome Benefits: Complimentary Annual Memberships of Swiggy One & Times Prime on achieving net retail spends of Rs 75,000 within 90 days of card issuance”
“4. Quarterly Milestone: Choose any one Rs. 1500 voucher from Marriott, Dominos, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon upon net spends of Rs. 1,50,000 or more in a calendar quarter.”
“Buy 1 Get 1 on weekend movie tickets, up to 2 free tickets every calendar month, up to a value of Rs. 250 per ticket”
“Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5”
“Earn up to 10X Reward Points on Spends Via Smartbuy”
“Extra 10% off on Dineout bill on participating restaurants.”
“Air accident insurance cover worth $125,000*”
“Age: 21 - 60 years”
“Age: 21 - 65 years”
“Nationality: Indian National”
“Net Salary (Monthly) - ₹35,000”
“Annual ITR > ₹6,00,000”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
“Diners Club Privilege Credit Card If the world is where you belong, Welcome to the Club”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology