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HDFC Bank Diners Club Privilege Credit Card

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Card review

HDFC Bank Diners Club Privilege Credit Card

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Affordable Diners Club card with dining perks and quarterly lounge access

Fee: ₹1,000 INR/yr (≈ $12); Waived on ₹3 lakh annual spend
Purchase APR: from 45%
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

4 Reward Points per ₹200 on eligible spends; 5x on Swiggy & Zomato (capped 2,500 pts/month); up to 10x on SmartBuy; 1 RP = ₹0.50 for flights/hotels

Welcome offer

Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend within 90 days

Our verdict

What stands out, and where it falls short.

What we like

4 Reward Points per ₹200 on eligible spends; 5x…
Welcome bonus
50-day interest-free period
Airport lounge access
Travel insurance included

Worth weighing

₹1,000 INR/yr (≈ $12) card fee
3.5% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the HDFC Bank Diners Club Privilege Credit Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Light spenders who won't beat the ₹1,000 INR/yr (≈ $12) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹1,000 INR/yr (≈ $12)
Purchase APR: from 45%
Interest-free period: 50 days
Foreign transaction fee: 3.5%
Monthly Interest Rate: 3.75% per month (45% p.a.)

Rewards and features

Rewards: 4 Reward Points per ₹200 on eligible spends; 5x on Swiggy & Zomato (capped 2,500 pts/month); up to 10x on SmartBuy; 1 RP = ₹0.50 for flights/hotels
Welcome offer: Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend within 90 days
Pay with: Contactless
Weekend Movie BOGO: Buy 1 Get 1 on BookMyShow tickets (up to ₹250 off) twice monthly, weekends only
SmartBuy Bonus: Up to 10x Reward Points on SmartBuy portal

Benefits and perks

Extras that come bundled with the card.

2 domestic + 1 international airport lounge visits per quarter (requires ₹60,000 previous quarterly spend from July 2026)
₹1 crore air accident cover; ₹25 lakh medical emergency cover
₹1,500 quarterly voucher at ₹1.5L quarterly spend milestone

Eligibility

What you need before you apply.

Minimum Income: Not publicly stated; standard bank criteria apply

HDFC Bank Diners Club Privilege Credit Card: your questions answered

How much does the HDFC Bank Diners Club Privilege Credit Card cost?

The HDFC Bank Diners Club Privilege Credit Card costs ₹1,000 INR/yr (≈ $12). Waived on ₹3 lakh annual spend.

What rewards does the HDFC Bank Diners Club Privilege Credit Card earn?

The HDFC Bank Diners Club Privilege Credit Card earns 4 Reward Points per ₹200 on eligible spends; 5x on Swiggy & Zomato (capped 2,500 pts/month); up to 10x on SmartBuy; 1 RP = ₹0.50 for flights/hotels.

Does the HDFC Bank Diners Club Privilege Credit Card charge foreign transaction fees?

Yes - the HDFC Bank Diners Club Privilege Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the HDFC Bank Diners Club Privilege Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the HDFC Bank Diners Club Privilege Credit Card?

The HDFC Bank Diners Club Privilege Credit Card has a purchase APR of from 45%.

Does the HDFC Bank Diners Club Privilege Credit Card have a welcome offer?

Yes - Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend within 90 days.

Is the HDFC Bank Diners Club Privilege Credit Card a credit, debit or prepaid card?

The HDFC Bank Diners Club Privilege Credit Card is a credit card issued by HDFC Bank on the Discover network.

Does the HDFC Bank Diners Club Privilege Credit Card support Apple Pay and Google Pay?

The HDFC Bank Diners Club Privilege Credit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank Diners Club Privilege Credit Card?

The HDFC Bank Diners Club Privilege Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the HDFC Bank Diners Club Privilege Credit Card?

DebitCue rates the HDFC Bank Diners Club Privilege Credit Card 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.