HDFC Bank Diners Club Privilege Credit Card
Diners ClubHDFC Diners Club Privilege earns 4 Reward Points per ₹150, offers 12 Priority Pass lounge visits, and SmartBuy 10X rewards every Friday.
Welcome Benefit
2,500 Reward Points on joining fee payment.
Estimated value: ₹2,000
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹2,500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: HDFC Reward Points (SmartBuy) (points) · 1 point = ₹0.5
| Category | Earn Rate |
|---|---|
| All Retail Spends | 4 Reward Points per ₹150 |
| SmartBuy (Fridays) | 10X Reward Points on SmartBuy every Friday |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 36 months
Lounge Access
12 complimentary Priority Pass lounge visits per year.
Complimentary domestic lounge access.
Travel Benefits
Discounted rates on flights and hotels when booked through the bank travel portal.
✓ Air miles conversion available
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Insurance Cover
travel_insurance
Complimentary air accident cover of ₹50 lakh on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹50 lakh air accident cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹1,00,000+ per month. Self-employed: ₹12,00,000+ p.a. Age: 21–60.
Editor Rating
Pros
- + Strong air miles earning rate
- + Lounge access at major airports
- + Miles transferable to airline programs
Cons
- – High annual fee
- – Benefits require significant spend to be cost-effective
- – Miles have expiry dates
The HDFC Bank Diners Club Privilege Credit Card is a mid-range credit card from HDFC Bank tailored for travel enthusiasts with miles earning and lounge access. At ₹2,500/year, the card is easily justified through fee waivers and regular usage benefits.