Rewards and lifestyle
HDFC Diners Club Privilege Credit Card
A mid-level HDFC card with Swiggy One and Times Prime memberships, quarterly vouchers, bonus points on Swiggy, Zomato and SmartBuy, and lounges in India and abroad.
Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Fee waiverOn ₹3 lakh spend a year
Top rewardBonus points on Swiggy, Zomato and SmartBuy
Lounge8 domestic + 4 international (spend-based)
Forex markup2%
Best for: People spending ₹50,000+ a month who use Swiggy and book travel on SmartBuy.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Swiggy and Zomato food orders | 5X points | Monthly caps apply |
| HDFC SmartBuy flights and hotels | Up to 10X points | Monthly caps apply |
| Other spends | 2 points per ₹100 | – |
| Fuel, rent, wallet loads, government, EMI | Nothing | – |
- A point is worth ₹0.50 on SmartBuy flights and hotels, ₹0.35 on the catalogue and ₹0.20 as statement credit.
- The base rate was cut on 15 May 2026.
Benefits
Welcome benefit
- Swiggy One and Times Prime memberships for a year on ₹75,000 spend within 90 days.
Milestones
- ₹1,500 voucher each quarter you spend ₹1.5 lakh.
Travel and lounges
- 2 domestic and 1 international lounge visit each quarter, with ₹60,000 spend in the previous quarter (from 1 Jul 2026).
Fuel and forex
- Forex markup 2%, plus 1.75% on rupee payments to foreign merchants.
Fees and charges
| Joining fee | ₹1,000 + GST |
|---|---|
| Annual fee | ₹1,000 + GST, waived on ₹3 lakh yearly spend |
| Forex markup | 2% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 65
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Useful memberships
- Quarterly vouchers
- International lounges
Watch out for
- Base rewards cut in 2026
- Lounges now need ₹60,000 a quarter
- Diners Club is not accepted everywhere
Recent changes
- 1 Jul 2026Lounge visits need ₹60,000 spend in the previous quarter.
- 15 May 2026Base reward rate cut; foreign merchant fee raised to 1.75%.
Frequently asked questions
Is Diners Club accepted everywhere?
Not always. Some shops and websites do not accept Diners Club, so keep a Visa or Mastercard as backup.
Ready to apply for the HDFC Diners Club Privilege Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: PickMyCard · HDFC Bank. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.