HDFC Diners Privilege Credit Card

About HDFC Diners Privilege Credit Card

Are you spending thousands every month on Swiggy orders and weekend movies without getting anything back? The HDFC Diners Privilege Credit Card turns your lifestyle habits into serious savings.

This card offers an impressive 6.6% value back on food delivery and dining through Swiggy and Zomato. For a mid-range card with a modest annual fee of ₹1,000, the ability to earn up to ₹1,500 in vouchers every single quarter makes it a powerhouse for urban professionals. It is a straightforward tool for anyone who wants their weekend splurges to pay for their next vacation or shopping spree.

Designed for salaried individuals earning ₹35,000 per month or self-employed professionals with a ₹6 lakh annual income, it bridges the gap between basic entry-level cards and expensive premium ones. It provides a taste of the "Diners Club" lifestyle without the heavy price tag.

What sets it apart:

• 5X Rewards on Dining: Get 20 Reward Points for every ₹150 spent on Swiggy and Zomato, beating most competitors in the mid-tier segment.
• Quarterly Milestone Rewards: Spend ₹1.5 lakh in a quarter and choose a ₹1,500 voucher from brands like Marriott or Decathlon.
• BOGO Movie Tickets: Buy one get one free on BookMyShow every weekend, saving you up to ₹500 monthly on cinema outings.

Quick check: To qualify, you will need a minimum monthly salary of ₹35,000 and a credit score (CRIF) of 720 or above.

Here is why this card should be in your wallet:

Key Benefits and Features of HDFC Diners Privilege Credit Card

The HDFC Diners Privilege Credit Card is packed with perks that target dining, entertainment, and travel. Here is a detailed breakdown of how you can maximize this card.

High-Value Reward Points

The rewards system is the core strength of this card. You earn 2 Reward Points for every ₹150 spent on regular retail purchases. However, the real value lies in the accelerated categories:

• 5X Rewards on Food: You earn 20 Reward Points for every ₹150 spent on Swiggy and Zomato. With each point valued at ₹0.50, you essentially get a 6.6% return on your food orders.
• Capping: The additional 4X rewards are capped at 2,500 points per month, which is quite generous for a card at this fee level.
• Redemption: You can use these points for flight and hotel bookings via the HDFC SmartBuy portal, or exchange them for vouchers and cashback.

Welcome and Milestone Perks

Unlike many cards that give you points as a welcome gift, the Diners Privilege focuses on lifestyle memberships. If you spend ₹75,000 within the first 90 days of getting the card, you get complimentary annual memberships for Swiggy One and Times Prime. This provides immediate value through free deliveries and various OTT subscriptions.

The rewards do not stop at the welcome stage. If you spend ₹1,50,000 in a calendar quarter, you can pick a ₹1,500 voucher from a list including Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon. If you hit this target every quarter, you are looking at ₹6,000 worth of free vouchers annually.

Entertainment and Travel Benefits

If you are a movie buff, the BookMyShow offer is a major highlight. From Friday to Sunday, you can avail of a Buy 1 Get 1 Free offer on movie tickets. You can get up to 2 free tickets per month, with a maximum discount of ₹250 per ticket. This benefit alone can save you ₹6,000 per year.

For travelers, the card offers 2 complimentary airport lounge visits every quarter worldwide. This applies to both the primary cardholder and add-on cardholders, which is a rare feature at this price point. You can track available lounges through the Diners Travel Tools App.

Fees and Waiver Conditions

The card comes with a joining fee of ₹1,000 and an annual fee of ₹1,000. However, HDFC makes it easy to avoid these costs. If you spend ₹3,00,000 or more in a year, the annual fee is completely waived. For a card that offers lounge access and high dining rewards, this spend target is very achievable for most regular users.

Comprehensive Insurance Cover

The card provides peace of mind with a robust insurance package:

• Air Accident Insurance: Cover worth USD 125,000.
• Emergency Medical Cover: Up to USD 31,250 for overseas hospitalization.
• Baggage Delay: Cover of USD 625 for delays exceeding 8 hours.
• Credit Liability: Up to ₹9 lakh to protect your family from debt in case of unforeseen events.

How to Apply?

Applying for the HDFC Diners Privilege Credit Card is a simple process. Follow these steps to get started:

1. Check Eligibility: Ensure you meet the income criteria. Salaried individuals need a monthly income of ₹35,000, while self-employed individuals need an annual ITR of ₹6 lakh.
2. Visit the Official Website: Go to the HDFC Bank credit cards page and select the Diners Privilege card.
3. Fill the Application: Enter your mobile number and PAN details to start the digital application.
4. Submit Details: Provide your employment details, office address, and residential address.
5. Complete KYC: Complete the digital Video KYC process or schedule a physical document pickup to verify your identity.
6. Activate the Card: Once received, perform a transaction of at least ₹100 within 30 days to activate the reward points feature.

Processing Timeline: Applications are processed within 7 to 10 working days following successful KYC verification.

Credit Limit: What to Expect

HDFC Bank determines your credit limit based on monthly income, credit history (CIBIL/CRIF), and your relationship with the bank. Existing HDFC cardholders often receive a matched or higher limit. For new applicants, limits generally range between ₹1.5 lakh to ₹5 lakh. You can request a limit increase after six months of regular usage and timely bill payments.

Comparison Table: HDFC Diners Privilege vs. Competitors

If your primary spends are on Swiggy, Zomato, and movies, the HDFC Diners Privilege offers far better value than the SBI Prime or Amex MRCC due to its high accelerated reward rate in these categories. While Axis Select offers more lounges, its annual fee is triple that of the Diners Privilege, making the HDFC card the more cost-effective choice for mid-income earners.

Documents Required for HDFC Diners Privilege Credit Card Application

You will need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID
• Address Proof: Aadhaar Card, Passport, or Utility Bills (Electricity/Water)
• Income Proof: Latest 3 months' salary slips and bank statements showing salary credit
• Employment Proof: Office ID card

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Driving License
• Address Proof: Aadhaar Card, Rent Agreement, or Business Registration Documents
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with income computation
• Business Proof: GST registration or Shop Act License

Note: Ensure your mobile number is linked to your Aadhaar for a smooth Video KYC process.

Who Should Get This Card?

Should you get this card? Here is who benefits most:

The Urban Foodie: If you are a young professional earning ₹40,000 a month and you order from Swiggy or Zomato at least 10 times a month, this card is a must-have. By spending ₹10,000 monthly on these apps, you earn 1,333 points, which equals ₹666 in value. That is nearly a 7% discount on every meal.

The Weekend Movie-Goer: If you and your partner watch a movie every other weekend, the BOGO offer saves you up to ₹500 every month. Over a year, you save ₹6,000, which is six times the annual fee of the card.

The Quarterly Milestone Achiever: If you can route ₹50,000 of monthly spends (insurance, shopping, travel) through this card, you hit the ₹1.5 lakh quarterly milestone. Getting a ₹1,500 Marriott or Decathlon voucher every three months adds massive value to your lifestyle without extra cost.

You might want to skip this card if: You live in a city where Diners Club acceptance is low at offline local merchants. While online acceptance is excellent, some smaller offline shops still only prefer Visa or Mastercard. Also, if your primary spend is on fuel or rent, this card provides zero rewards for those categories.

BankKaro Expert Review

Based on the card's features, the HDFC Diners Privilege excels at being a lifestyle "starter" card. It provides premium perks like global lounge access and high-value dining rewards at a very accessible price point. The 1 point = ₹0.50 conversion rate is superior to most mid-range cards which often offer ₹0.20 to ₹0.25 per point.

The biggest limitation is the list of exclusions. You won't earn any points on rent, fuel, or utility bills. This means you should use this card specifically for your "fun" spends: dining, movies, and shopping, while using a different card for your basic monthly bills. Also, keep in mind that Diners Club acceptance, while improving, is still slightly behind Visa in smaller towns.

Our verdict: Choose this card if you want a high reward rate on food and movies and can easily spend ₹3 lakh a year to waive the fee. It is one of the most balanced cards HDFC offers for the modern urban lifestyle.

Terms and Conditions

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• A minimum transaction of ₹100 within 30 days is required to activate the card, otherwise, you will not be eligible for the Rewards.
• Reward points are valid for a period of 2 years from the date of accumulation.
• The complimentary memberships are triggered only after achieving the spend target of ₹75,000 within the first 90 days.
• Full terms and conditions are available directly on the HDFC Bank official website.