HDFC Bank Diners Club Privilege Credit Card

HDFC Bank · Open to apply

HDFC's mid-priced Diners Club card. It earns 4 reward points per ₹200 (20 on Swiggy and Zomato food orders, up to 10X on SmartBuy), gives a ₹1,500 voucher each quarter on ₹1.5 lakh and, from 1 July 2026, 2 domestic and 1 international lounge voucher a quarter on ₹60,000 of spend in the quarter before, for ₹1,000 a year waived at ₹3 lakh.

Annual fee
₹1,000 + GST a year
Joining fee
₹1,000 + GST
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
Retail spends (4 points per ₹200): 4 Reward Points per ₹200 (about 0.4% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹60,000 spend; International: 1 visit a calendar quarter after ₹60,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy hotels, 10X (36 bonus points per ₹200 on top of the base): 36 Reward Points per ₹200 on top of the base rate (about 3.6% at cash value)
  • SmartBuy at IGP, Jockey and PharmEasy, 10X (36 bonus points per ₹200): 36 Reward Points per ₹200 on top of the base rate (about 3.6% at cash value)
  • 5X on Swiggy and Zomato food orders (16 bonus points per ₹200 on top of the base 4): 16 Reward Points per ₹200 on top of the base rate (about 1.6% at cash value)
  • SmartBuy flights, 5X (16 bonus points per ₹200): 16 Reward Points per ₹200 on top of the base rate (about 1.6% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5X (16 bonus points per ₹200): 16 Reward Points per ₹200 on top of the base rate (about 1.6% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rent, or on government payments (from 1 January 2023)
  • No points on wallet loads
  • No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
  • No points on online skill-based gaming (from 1 July 2025)
  • No points on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • lounge access: The product page FAQ still says the card gives "two complimentary airport lounge accesses every quarter" with no spend condition. The lounge T&C and HDFC's change letter say 3 vouchers a quarter (2 domestic and 1 international) on ₹60,000 of spend in the previous quarter from 1 July 2026. We use the T&C and the letter.

Terms the calculator does not value

  • The Global Value Program (₹199 + GST a year, optional): 500 bonus points on the first international transaction, 1% cashback on international spend up to ₹1,000 a statement cycle and a ₹2,000 travel voucher on ₹1,50,000 of international spend a year. It is a paid feature, so it is left out of the value; the 2% (Diners Black Metal) or standard foreign currency markup still applies.
  • The 5X on Swiggy and Zomato needs the order to be an online food order, matched by merchant name and MCC or by the merchants' terminal and merchant IDs, and paid directly with the card, not through a wallet. Swiggy Instamart and Dineout are not covered by the rule.
  • SmartBuy accelerated points are credited within 90 working days of the end of the transaction month. The SmartBuy table was read from a snapshot of 21 May 2026; HDFC's Infinia T&C adds a cap on accelerated points from SmartBuy vouchers from 1 July 2026, and no document read says whether that cap applies to Diners Privilege.
  • The quarterly ₹1,500 voucher can only be spent at the six listed brands, and the Swiggy One and Times Prime memberships are partner products with no value stated by HDFC; the voucher is valued at face value and the memberships are not valued.
  • The BookMyShow offer (up to ₹500 a month), the extra Dineout discount and Good Food Trail discounts are not valued.
  • Insurance covers are given in US dollars and are not converted into the insurance cover figures; the policy period runs from 23 July 2026 to 22 July 2027 and covers go to the primary cardholder only.

Sources

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