HDFC Bank
Diners Privilege
The HDFC Diners Club Privilege Credit Card is a solid mid-tier lifestyle credit card from HDFC Bank, tailored primarily for everyday dining, shopping, and entertainment. Accessible to salaried applicants earning at least Rs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 6 June 2026.
At a Glance
Annual Fee
₹1,000
Joining Fee
₹1,000
Fee Waiver
Spend ₹3,00,000 annually
Lounge Access
2 Domestic + 1 International per calendar quarter
Forex Markup
3.5%
Effective Yield
1.33% – 13.33%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The HDFC Diners Club Privilege Credit Card is a solid mid-tier lifestyle credit card from HDFC Bank, tailored primarily for everyday dining, shopping, and entertainment. Accessible to salaried applicants earning at least Rs. 35,000 per month, the card features a reasonable first-year fee of Rs. 1,000 (plus taxes). While the card provides generous value for routine activities, it lacks some ultra-premium attributes such as a low foreign currency markup fee, complimentary Priority Pass membership, or direct air-mile redemption options.
Its strongest asset lies in its dining and milestone programs. Cardholders earn 5X reward points on Swiggy and Zomato alongside a 10% discount on restaurant bills through Swiggy Dineout. Additionally, the card bypasses traditional annual milestone systems in favor of highly rewarding quarterly milestones, providing Rs. 1,500 vouchers for spending Rs. 1.5 Lakh in a calendar quarter. For weekend leisure, users can also enjoy a 'Buy One Get One Free' movie ticket offer on BookMyShow up to Rs. 250 per ticket.
This card is ideal for users who frequently dine out, order food online, and can manage an annual card spend of at least Rs. 6 Lakhs. Spending at this level maximizes your returns by securing Rs. 6,000 in quarterly brand vouchers and easily meeting the Rs. 3 Lakh annual spending requirement needed to waive the next year's renewal fee. However, those who travel internationally or prioritize high-value travel redemptions may find alternative options like the HDFC Regalia Gold more rewarding.
What We Like
At an affordable joining fee of Rs. 1,000, the card delivers immediate value with complimentary annual Swiggy One and Times Prime activation memberships. Its dining ecosystem is top-notch, featuring 5X rewards on Swiggy and Zomato alongside dining discounts on Swiggy Dineout. Furthermore, the quarterly milestone voucher of Rs. 1,500 on spending Rs. 1.5 Lakh in a quarter is highly advantageous.
Pros
- ✓Earn accelerated reward points when spending on Swiggy and Zomato
- ✓Provides a decent standard base reward rate on retail purchases
- ✓Offers various flexible options to redeem accumulated reward points
- ✓Features milestone benefits distributed quarterly rather than annually
- ✓Requires a relatively low annual spending threshold to secure a renewal fee waiver
Cons
- ✗Welcome activation privileges require meeting a high spending threshold of Rs. 75,000 in the first 90 days
- ✗Point redemption holds lower value compared to other entry-level options like the HDFC Millennia Card
- ✗Complimentary lounge access is conditional on meeting previous quarter spending requirements
- ✗Does not feature a discounted or concessional foreign exchange markup fee
- ✗Movie ticket discount benefits are strictly restricted to weekend bookings
Get This Card If
- ✓You frequently order food online or dine out
- ✓You want a card with a decent reward rate
- ✓You want benefits on weekend movie ticket bookings
- ✓You will be able to spend Rs. 6 lakh in a year, to maximize value back via milestone benefit and fee waiver
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Swiggy & Zomato (5X Rewards) | 20 Reward Points (RP) per ₹150 | 6.67% | 2,500 Bonus RP per month |
| SmartBuy Portals (Up to 10X) | Up to 40 RP per ₹150 | 13.33% | 4,000 RP/month & 2000 RP/day |
| Weekend Dining (2X Rewards) | 8 RP per ₹150 | 2.67% | No Upper Cap (estimated) |
| All Other Retail Spends | 4 RP per ₹150 | 1.33% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.8 Lakh | Lifestyle Memberships | Variable | Swiggy One and Times Prime memberships awarded on spending ₹75k in the first 90 days. |
| ₹1.5 Lakh | Voucher Milestone | ₹1,500 Voucher | Choice of Marriott, Decathlon, or Barbeque Nation vouchers every calendar quarter. |
| ₹3 Lakh | Fee Waiver | ₹2,500 + GST Savings | Annual renewal fee is waived upon reaching ₹3 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| SmartBuy Flights/Hotels | ₹0.50 per RP2:1 Ratio | Best Value (Maximize for travel bookings; ₹99 fee applies) |
| Statement Credit (Cash) | ₹0.20 per RP5:1 Ratio | Avoid (Lowers your effective yield from 1.33% to 0.53%) |
What You Need to Know
2026 Lounge Spend Gate
From July 1, 2026, lounge access requires a spend of ₹60,000 in the previous quarter.
Impact: If the target is met, you get 3 vouchers (2 Domestic + 1 Intl) per quarter.
New Utility/Wallet Surcharge
1% fee on Utility (>₹50k/mo) and Wallet loads (>₹10k/mo).
Impact: Prevents this card from being used effectively for large commercial bill payments.
Weekend Restriction
The 2X Dining reward is valid only if the transaction happens on Friday, Saturday, or Sunday.
Impact: Weekday dinners only earn the base 1.33% rate unless paid via Swiggy/Zomato.
Point Expiry
Reward points are valid for only 2 years (24 months).
Impact: Users cannot hoard points indefinitely; must redeem every 18-24 months.
Essential Fine Print
Reward Exclusions
Excluded Categories: Fuel, Rent payments, Government transactions, Wallet loading, and Cash advances.
Welcome Offer
Annual membership of Swiggy One and Times Prime
On spending 75,000 within 90 days of card issuance
Lounge Access
Domestic Lounge Access
2 complimentary airport lounge access per calendar quarter (on spends of ₹60,000 or more in the preceding calendar quarter)
International Lounge Access
1 complimentary airport lounge access per calendar quarter (on spends of ₹60,000 or more in the preceding calendar quarter)
Dining Benefits
Accelerated Points
5X reward points on online food orders using Swiggy and Zomato
Additional Features
Insurance Cover
Air Accident Cover of ₹1 Crore, Emergency Medical Cover of ₹25 Lakhs, and Credit Liability Cover of ₹9 Lakhs.
Discounted Movie Tickets
Buy 1 Get 1 on weekend movie tickets via BookMyShow with discounts up to Rs. 250
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹1,000 |
| Annual / Renewal Fee | ₹1,000 |
| Fee Waiver Threshold | Spend ₹3,00,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried
Age: 21-60 years; Net Monthly Income: > ₹35,000
Self Employed
Age: 21-65 years; Annual Income: ITR > ₹6 Lakhs
Ready to apply for Diners Privilege?
Annual fee: ₹1,000 · Waived on ₹3,00,000 spend
Frequently Asked Questions
Annual fee
₹1,000
1.33% – 13.33% yield