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REWARD POINTS CARD

Diners Club Privilege Credit Card

HDFC Bank

Earns 4 Reward Points per ₹200 and 5X on Swiggy and Zomato food orders, with Buy 1 Get 1 on weekend BookMyShow tickets, ₹1,500 quarterly milestone vouchers and spend-linked airport lounge vouchers.

Lounge vouchers need ₹60,000 spends in the previous quarter; the ₹1,500 voucher needs ₹1,50,000 in a quarter; 4X bonus is capped at 2,500 points a month; fuel earns no points; renewal waiver needs ₹3,00,000 a year.

Diners Club Privilege Credit Card
ANNUAL FEE
₹1,000 + GST
JOINING FEE
₹1,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5X Reward Points (20 per ₹200) on Swiggy and Zomato online food orders
BEST FOR
Included: May suit cardholders who spend ₹60,000 or more a quarter and would use SmartBuy lounge and milestone vouchers.
Included: May suit those who regularly order food on Swiggy or Zomato.
Included: May suit those who book weekend movie or event tickets through BookMyShow.
Included: May suit those who spend ₹60,000 or more a quarter and want SmartBuy airport lounge vouchers.
Limitation: Less suited to fuel, rent or government-payment spends, which earn no points may wish to compare other cards.
Limitation: Those whose main spends are on fuel, rent or government payments may wish to compare other cards.
Limitation: Those who spend under ₹60,000 a quarter may wish to compare other cards.
Limitation: Those who want a fuel surcharge waiver, which is not offered on this card may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Lounge vouchers unlock only on ₹60,000 net eligible spends in the previous calendar quarter; EMI principal/interest and wallet loading do not count.
Condition: Welcome memberships need ₹75,000 net retail spends within 90 days of card issuance; the ₹1,500 voucher needs ₹1,50,000 net spends in a calendar quarter.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹1,000 + GST
Annual / renewal fee
₹1,000 + GST
Fee waived at
₹3,00,000 in a year before renewal date (excl. cash on call, balance transfer, cash withdrawal)
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Recorded — count not stated — 2 domestic lounge vouchers per calendar quarter · SmartBuy voucher; primary cardholder only; any participating lounge in India counts, incl. at international terminals. · ₹60,000 net eligible spends in the previous calendar quarter
International airport lounge
Recorded — count not stated — 1 international lounge voucher per calendar quarter · SmartBuy voucher at participating lounges outside India; primary cardholder only. · ₹60,000 net eligible spends in the previous calendar quarter
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
SmartBuy lounge vouchers at participating lounges
EVERYDAY
Fuel
No fuel surcharge waiver
Dining
Extra 10% off Dineout bills at participating restaurants; up to 20% off at partner restaurants via Good Food Trail
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fuel, rent, government payments, e-wallet loading, EasyEMI or online skill-based gaming; points are reversed if a retail spend is converted to SmartEMI.; Fuel, rent, government payments, e-wallet loading, EasyEMI transactions and online skill-based gaming earn no Reward Points.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 5X Reward Points (20 per ₹200) on Swiggy and Zomato online food orders
Included: Buy 1 Get 1 on BookMyShow movie and non-movie tickets for Fri–Sun shows; up to 2 free tickets a month, max ₹250 per ticket.
Included: Choose one ₹1,500 voucher (Marriott, Dominos, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon) on ₹1,50,000 net spends in a calendar quarter.
Included: Primary cardholder cover includes air accident $125,000, emergency overseas hospitalisation $31,250 and credit liability cover up to ₹9 lakh.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.