HDFC Bank

HDFC Bank Diners Club Privilege Credit Card

4 reward points per ₹200: about 1% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), less for catalogue products (up to ₹0.35 a point) and 0.4% as statement credit (₹0.20 a point). 5 times the points on Swiggy and Zomato food orders (about 5%), with the extra points capped at 2,500 a month. A ₹1,500 voucher each calendar quarter you spend ₹1.5 lakh, and buy-one-get-one BookMyShow tickets for Friday to Sunday shows (up to ₹250 off a ticket, 2 free tickets a month). Fuel, rent, wallet loads, EMI and government payments earn nothing. We haven't confirmed HDFC's point values for this card on its own page yet, so we don't show a % rate.

₹1,000 joining, ₹1,000 a year
Diners Club

View on HDFC Bank siteIssuer's site. We don't earn from this card.

Good

Open to self-employed applicants

Watch out for

Earns nothing on fuel, wallet loads, rent and government payments
The bank doesn't publish what a reward point is worth
Lounge visits need about ₹20,000 of spend a month
High forex markup (3.5%)

Who it's for: Frequent flyers who use airport lounges and can meet the fee waiver.
Skip it if: You mainly pay by UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Fuel: 0%

Fees and charges

Joining fee: ₹1,000
Annual fee: ₹1,000
Fee waiver: Renewal fee waived if you spend ₹3 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹75,000 in the first 90 days to get a year of Swiggy One and Times Prime.
Forex markup: 3.5%
Fuel surcharge waiver: No fuel surcharge waiver. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000.

Benefits and eligibility

Airport lounge: Spend ₹60,000 in a calendar quarter to unlock 3 airport lounge vouchers (2 in India, 1 abroad), claimed on HDFC SmartBuy and valid for 180 days at listed lounges, so up to 8 visits in India and 4 abroad a year. Primary cardholder only; no free visits without the spend.
Card network: Diners Club
UPI payments: No
Minimum income (salaried): ₹35,000 a month
Eligibility: Salaried: Indian national, age 21-60, monthly income above ₹35,000 (HDFC Bank's criteria say gross income, its FAQ says net, so confirm with the bank). Self-employed: Indian national, age 21-65, income tax return above ₹6 lakh a year. Not available to students. Approval at HDFC Bank's discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the HDFC Bank Diners Club Privilege Credit Card?

View on HDFC Bank siteIssuer's site. We don't earn from this card.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by HDFC Bank.

What changed recently

1 Jul 2026Lounge accessWorse for you
The 2 domestic and 1 international lounge visits a calendar quarter now need ₹60,000 of spend in the previous calendar quarter and come as vouchers on HDFC SmartBuy.
Before: No spend condition · After: ₹60,000 spend in the previous calendar quarter
Spend in Apr-Jun 2026 counted for access in Jul-Sep 2026.
Bank's notice or terms
15 May 2026RewardsWorse for you
Base earn rate cut from 4 points per ₹150 to 4 points per ₹200, about 1.33% to 1% back when points go to flights and hotels on SmartBuy; the Swiggy and Zomato 5X rate also moved to per ₹200.
Before: 4 points per ₹150 · After: 4 points per ₹200
The ₹150 rate is from HDFC's June 2023 card terms, which the fees page still links.
Bank's notice or terms
15 May 2026FeesWorse for you
Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) set at 1.75%.
After: 1.75%
HDFC's notice calls this a revision, but no earlier Diners Privilege figure was found.
Bank's notice or terms
15 May 2026FeesWorse for you
Replacing a lost, stolen or damaged card now costs ₹199.
Before: ₹100 · After: ₹199
The card's fees page still lists ₹100.
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the HDFC Bank Diners Club Privilege Credit Card worth it in 2026?

Only if you'll use the airport lounge visits and can meet the fee waiver; the bank doesn't publish what its rewards are worth. The catch: earns nothing on fuel, wallet loads, rent and government payments.

Is the HDFC Bank Diners Club Privilege Credit Card lifetime free?

No. It costs ₹1,000 to join and ₹1,000 a year, plus GST. Renewal fee waived if you spend ₹3 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹75,000 in the first 90 days to get a year of Swiggy One and Times Prime.

Does the HDFC Bank Diners Club Privilege Credit Card work on UPI?

No. Only RuPay credit cards can be linked to UPI, and this isn't one.

Does the HDFC Bank Diners Club Privilege Credit Card give airport lounge access?

Spend ₹60,000 in a calendar quarter to unlock 3 airport lounge vouchers (2 in India, 1 abroad), claimed on HDFC SmartBuy and valid for 180 days at listed lounges, so up to 8 visits in India and 4 abroad a year. Primary cardholder only; no free visits without the spend.

What earns no rewards on the HDFC Bank Diners Club Privilege Credit Card?

No reward points on fuel, rent, government payments, wallet loads, EasyEMI purchases, purchases later converted to EMI (points are taken back), cash advances, card fees, payments of your card bill, online skill-gaming, and education fees paid through third-party apps such as CRED or Cheq. Points are earned only on each full ₹200 spent.

Is there a limit on rewards with the HDFC Bank Diners Club Privilege Credit Card?

The extra points on Swiggy and Zomato are capped at 2,500 a calendar month (₹1,250 at ₹0.50 a point), reached at ₹31,250 of orders; above that those orders earn the normal 4 points per ₹200. Grocery earns at most 2,000 points a month (₹1,000 at ₹0.50 a point), reached at ₹1 lakh of grocery spend. Utility bills earn at most 2,000 points a calendar month. Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit. Insurance premiums earn at most 2,000 points a month. Insurance isn't one of the spend types we rate. At most 50,000 points can be earned in a statement cycle.

Who can get the HDFC Bank Diners Club Privilege Credit Card?

The bank publishes a minimum income of ₹35,000 a month for salaried applicants. Self-employed people can apply: ITR above ₹6 lakh a year; age 21-65; Indian national. Salaried: Indian national, age 21-60, monthly income above ₹35,000 (HDFC Bank's criteria say gross income, its FAQ says net, so confirm with the bank). Self-employed: Indian national, age 21-65, income tax return above ₹6 lakh a year. Not available to students. Approval at HDFC Bank's discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 20 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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