HDFC Bank Diners Club Privilege Credit Card Review

HDFC Bank Diners Club Privilege Credit Card

Fee

Joining Fee: Rs 2500+GST
Annual Fee: Rs 2500+GST

Type

Rewards

Return

1.3% to 13%

Rating

4.3/5

Network

Diners Club International

Benefits

Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access

HDFC Bank Diners Club Privilege credit card is a premium offering that provides a good reward rate as well as excellent benefits. As a welcome benefit, we get complimentary annual memberships to Swiggy One and TimesPrime. With the Diners Privilege, you can earn 4 reward points per Rs 150 spent with accelerated rewards for Swiggy and Zomato. Additionally, it offers complimentary access to airport lounges and BMS Buy One Get One offers. We can also get a reward rate of up to 13% with the Diners Privilege quarterly milestone benefit and SmartBuy rewards. Check out our detailed review of the HDFC Bank Diners Club Privilege credit card.

Eligibility

HDFC Bank has set high eligibility criteria for the Diners Club Privilege credit card. But, these criteria are relaxed by quite a bit if one already has a savings account or some other relationship with HDFC Bank. If you already have an existing HDFC Bank credit card with Rs 3 Lakh limit, you can upgrade to the Diners Club Privilege by writing to customer care.

LTF IndusInd Bank Credit Cards

The same limit criteria also applies for C2C applications. You can apply for the Diners Club Privilege on C2C basis with any other credit card having at least Rs 3 Lakh credit limit.

SalariedNet Monthly Income > Rs 70000
Self EmployedITR > Rs 8.4 Lakhs/Annum
HDFC Bank Diners Club Privilege Credit Card: Eligibility

Fees and Charges

HDFC Bank has gone in favour of annual memberships instead of the usual points as the welcome benefit. These annual memberships also get renewed if we spend more than Rs 5 Lakhs in a card membership year.

Joining FeeRs 2500+GST
Welcome BenefitComplimentary annual memberships of Swiggy One and Times Prime
Annual FeeRs 2500+GST
Annual Fee WaiverSpend Rs 3 Lakhs in card anniversary year
Renewal BenefitsNone
HDFC Bank Diners Club Privilege Credit Card: Fees & Charges

The welcome benefits are applicable on spending Rs 75000 within 90 days of card issuance. The benefits can be redeemed on this SmartBuy link.

LTF IDFC First Bank Credit Cards

Rewards

Diners Club Privilege credit card earns 4 reward points for every Rs 150. Each reward is worth between 20 paise to 50 paise based on redemption options. So this translates to a 1.3% return on your regular spending.

Airtel Axis Bank Credit Card
Spend CategoryRewards
Retail Spends4 RP per Rs 150 ~1.3% return
Swiggy and Zomato Spends20 RP per Rs 150 ~6.5% return

4X bonus RP capped at 2500 RP per calendar month
EasyEMI, Wallets, Rent, Property Management,
Packers & Movers, Government transactions
No rewards
Cap on Grocery spend rewards2000 RP per calendar month
Cap on Insurance spend rewards2000 RP per day
HDFC Bank Diners Club Privilege Credit Card Review: Rewards

Milestone Benefit

HDFC Bank Diners Club Privilege Credit Card Benefits

The HDFC Bank Diners Club Privilege credit card now gets a quarterly milestone benefit. Spend Rs 1.5 Lakhs in a calendar quarter and get a Rs 1500 worth of gift voucher from any of the below brands.

  • Marriott Experience
  • Decathlon
  • Barbeque Nation
  • O2 Spa
  • Lakme Salon

You can track the milestone spends and redeem these benefits on SmartBuy Diners –> Click on ‘Diners Club Benefits’ tab –> Select ‘Diners Club Privilege Milestones’ –> Check Quarterly Benefits

AU Bank Xcite Ace

SmartBuy Rewards

HDFC Bank Diners Club Privilege Credit Card Review - Smartbuy

The normal and milestone rewards on Diners Club Privilege might seem less for a card in this segment. This is where SmartBuy is useful. For shopping on below merchants through SmartBuy, we get accelerated rewards which increase the overall reward rate. The SmartBuy cap for Diners Club Privilege credit card is 4000 reward points per calendar month.

Shopping CategoryRewards Value at 1RP = 50 paise
IGP.com10X13.3%
Flights5X6.6%
Hotels10X13.3%
IRCTC3X3.9%
Redbus5X 6.6%
Instant Vouchers5X6.6%
Apple Tresor5X 6.6%
Flipkart3X3.9%
Zoom Car5X6.6%
Nykaa5X6.6%
Jockey10X13.3%
HDFC Bank Diners Club Privilege Credit Card: SmartBuy Rewards

Complimentary Airport Lounge Access

Diners Club Privilege credit card gets 8 complimentary airport lounge visits in a year for primary and add-on card members. The access is directly through the credit card – no separate pass is required. Complimentary lounge access on the Diners Club Privilege is valid only if spends are more than Rs 15,000 in the previous calendar quarter.

Other Key Benefits and Charges

  • BookMyShow BOGO Offer: Buy 1 Get 1 Free on movie/non-movie weekend tickets via BookMyShow. Offer is applicable for shows on Friday, Saturday and Sunday (irrespective of booking day). Maximum discount is Rs 250 per ticket and we get up to 2 free tickets every calendar month
  • Foreign Currency Markup: 2% + GST ~2.36%
  • Fuel Surcharge Waiver: Not Available

Rewards Redemption

Rewards on the Diners Club Privilege can be redeemed on the Smartbuy redemption portal.

HDFC Diners Club Black Rewards Redemption

HDFC Bank provides the option of redeeming for products from its catalog, booking flights/hotels, gift vouchers, or even cash. What differs is the value offered for your rewards for these redemption options. If booking a flight or hotel, each reward point has a value of 50p.

However, if we go for products, gift vouchers, or cash the value of each reward point drops to 20p. So, if you travel the best option is to book flights on Smartbuy using reward points or transfer them to one of the Airmiles partners.

Redemption OptionValue of 1 RP
Smartbuy (Flights/Hotels)50 paise
Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara0.5 Airmiles
Rewards Catalogue (Including Vouchers)20 paise to 35 paise
Cashback20 paise

Final Thoughts

HDFC Bank Diners Club Privilege is like the Regalia on many levels. It is not surprising as they are below the super-premium Infinia and Diners Club Black in their range. But, Diners Club Privilege scores in some areas over Regalia. It gets many extra benefits over the Regalia. But, acceptance at offline stores is something that is an issue for the Privilege card. Though this has improved to a large extent thanks to the tie up with Rupay.

HDFC Bank credit cards are generally more rewarding than others. The Diners Club Privilege does not disappoint on this front as well. With the quarterly milestone and SmartBuy, the reward rate would be between 2% to 4% on spends which is good! Another reason to get this card will be the potential to upgrade to Diners Club Black or Infinia in the future.

Frequently Asked Questions

HDFC Bank Diners Club Privilege Credit Card

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Fees & Charges
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Features and Benefits
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10 thoughts on “HDFC Bank Diners Club Privilege Credit Card Review”

  1. Abdul Hammed

    Are you sure that airmiles option is available in privilege card. I don’t see that .. please advise

  2. Currently getting this card as an option of upgrade over my LTF Millennia Diners.

    But have to pay 2500 annual fee.

    Is there a way to make it LTF like my Millennia Diners?

    1. Card Maven

      HDFC Bank is now issuing upgrades with fee. No way to upgrade as LTF unless you get the pre-approved offer.

  3. AMOL GADAGKAR

    Dear Sir/Madam,
    Have the limit to the tune of Rs 6 lacs in other bank Card. Interested in Diners Club Black Card.

    1. Card Maven

      You need to request your RM to upgrade you to DCB based on credit card limit or email grievance helpdesk.

  4. I applied for this card upon getting a notification from Payzapp. HDFC declined my application without stating any reason (my CIBIL: 840, annual income above 14 lacs, have three cards with a combined CL of 3.15 lacs, oldest since May 2019).
    I reapplied through Payzapp on another notification. This time the customer care executive on first round of telephonic verification asked me, if my current location is at least 50 km from my Aadhar and i was told that is their internal policy.
    So I changed my Aadhar address to current address.
    Now I’m trying to apply from HDFC banks site, but it shows “you’ve already applied, please check the status”, the status is the same one as that of my first application.

    Any other way to get through this? How do I get this?

    1. Card Maven

      Hi DP. Please follow up with HDFC Bank with the old application number. You can drop an email to [email protected] with the application details. They will get in touch with you.

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