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.
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.
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.
|Net Monthly Income > Rs 70000
|ITR > Rs 8.4 Lakhs/Annum
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.
|Complimentary annual memberships of Swiggy One and Times Prime
|Annual Fee Waiver
|Spend Rs 3 Lakhs in card anniversary year
The welcome benefits are applicable on spending Rs 75000 within 90 days of card issuance. The benefits can be redeemed on this SmartBuy link.
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.
|4 RP per Rs 150 ~1.3% return
|Swiggy and Zomato Spends
|20 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
|Cap on Grocery spend rewards
|2000 RP per calendar month
|Cap on Insurance spend rewards
|2000 RP per day
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
- 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
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.
|Value at 1RP = 50 paise
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 on the Diners Club Privilege can be redeemed on the Smartbuy redemption portal.
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.
|Value of 1 RP
|Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara
|Rewards Catalogue (Including Vouchers)
|20 paise to 35 paise
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