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HDFC Bank · Diners Club · हिन्दी

HDFC Diners Club Privilege Credit Card: full review

The HDFC Diners Club Privilege is the best entry-level premium card in India at ₹1,000. The BOGO movies, Swiggy One membership and 5X on food delivery deliver ₹3,000–5,000 of annual value easily covering the fee. It earns about 1% on most spends at ₹0.50 a point on SmartBuy travel, and the new lounge spend requirement slightly dents its value.

Apply now ↗Annual fee: ₹1,000 + taxes
Last updated: October 2026 · Current terms verified
HDFC BANK
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CLUB PRIVILEGE
ASHOK KUMAR
12/28
₹1,000 + taxes (waived on ₹3,00,000/year spend)Annual fee
4 reward points per ₹200 on most spends (about 1% at ₹0.50 a point on SmartBuy flights and hotels); 5X (about 5%) on Swiggy and Zomato, with the extra points capped at 2,500 a month; up to 10X on SmartBuy; no points on fuel; grocery and utility points capped at 2,000 a month eachReward structure
2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026)Lounge access

Key benefits of the HDFC Diners Club Privilege Credit Card

5X reward points on Swiggy and Zomato (about 5% at ₹0.50 a point; the extra 4X is capped at 2,500 points a month)4 reward points per ₹200 on all other eligible retail spends (about 1% at ₹0.50 a point)Up to 10X reward points on HDFC SmartBuy portal (flights, hotels, electronics, pharma)Buy 1 Get 1 on movie tickets on weekends via BookMyShow (up to 2 free tickets/month, max ₹250/ticket)Complimentary Swiggy One and Times Prime annual membership on ₹75,000 spend in first 90 days₹1,500 voucher from Marriott/Decathlon/Barbeque Nation/O2 Spa/Lakme on ₹1.5L quarterly spend2 domestic + 1 international lounge visits/quarter (on ₹60,000/quarter spend from Jul 2026)Annual fee waived on ₹3L/year spend, easy for most users1 RP = ₹0.50 for SmartBuy travel redemptions; ₹0.35 for catalogue; ₹0.20 for cashback
Apply now ↗ Min. income: ₹30,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Low ₹1,000 fee with easy ₹3L waiver condition, effectively free for most
✓ BOGO movies on weekends adds up to ₹6,000/year for regular moviegoers
✓ Swiggy One + Times Prime memberships on joining are worth ₹1,500+
✓ Diners Club gives direct lounge access without Priority Pass card
Cons
✗ Points are worth ₹0.50 only on SmartBuy flights and hotels; ₹0.35 on the catalogue and ₹0.20 as cashback
✗ Lounge access now requires ₹60,000/quarter spend from July 2026, new restriction
✗ 3.5% forex: avoid for international use
✗ Diners Club acceptance is lower than Visa/Mastercard at some merchants
Quick facts
Issuer HDFC Bank
Network Diners Club
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹3,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹30,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's Diners Club Privilege card page, its May 2026 product change notice and reward points terms · Last checked October 2026
Recent updates

Corrected from HDFC Bank's card page: points are worth ₹0.50 on SmartBuy flights and hotels, so 4 points per ₹200 is about 1%, not 0.5%, and 5X on Swiggy and Zomato is about 5%. Utility bills earn points too. The bank's monthly caps on the Swiggy and Zomato bonus, groceries and utilities are now in our maths.

Most spends0.5%1%
Swiggy and Zomato2.5%5% (bonus capped)
Utility bills0%1% (capped)
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Frequently asked questions
The annual fee for HDFC Diners Club Privilege Credit Card is ₹1,000 + taxes (waived on ₹3,00,000/year spend). The joining fee is ₹1,000.
The main benefits of the HDFC Diners Club Privilege Credit Card are: 5X reward points on Swiggy and Zomato (about 5% at ₹0.50 a point; the extra 4X is capped at 2,500 points a month); 4 reward points per ₹200 on all other eligible retail spends (about 1% at ₹0.50 a point); Up to 10X reward points on HDFC SmartBuy portal (flights, hotels, electronics, pharma); Buy 1 Get 1 on movie tickets on weekends via BookMyShow (up to 2 free tickets/month, max ₹250/ticket); Complimentary Swiggy One and Times Prime annual membership on ₹75,000 spend in first 90 days; ₹1,500 voucher from Marriott/Decathlon/Barbeque Nation/O2 Spa/Lakme on ₹1.5L quarterly spend; 2 domestic + 1 international lounge visits/quarter (on ₹60,000/quarter spend from Jul 2026); Annual fee waived on ₹3L/year spend, easy for most users; 1 RP = ₹0.50 for SmartBuy travel redemptions; ₹0.35 for catalogue; ₹0.20 for cashback.
4 reward points per ₹200 on most spends (about 1% at ₹0.50 a point on SmartBuy flights and hotels); 5X (about 5%) on Swiggy and Zomato, with the extra points capped at 2,500 a month; up to 10X on SmartBuy; no points on fuel; grocery and utility points capped at 2,000 a month each
HDFC Diners Club Privilege Credit Card is best for Entry-level premium card with food delivery rewards, BOGO movies and lounge access at minimal fee. The HDFC Diners Club Privilege is the best entry-level premium card in India at ₹1,000. The BOGO movies, Swiggy One membership and 5X on food delivery deliver ₹3,000–5,000 of annual value easily covering the fee. It earns about 1% on most spends at ₹0.50 a point on SmartBuy travel, and the new lounge spend requirement slightly dents its value.
The minimum income requirement for HDFC Diners Club Privilege Credit Card is ₹30,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, HDFC Diners Club Privilege Credit Card offers 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026).
HDFC Diners Club Privilege Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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HDFC Diners Club Privilege₹1,000 + taxes
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