HDFC Bank
HDFC Diners Club Privilege Credit Card
Dining
Shopping
Reward Points
1st Year Fee: ₹1,000* Plus Applicable Taxes
Rewards
Reward rate of up to 13.3%
Dining
5x rewards on Zomato & Swiggy
Movies
B1G1 offer on BookMyShow
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About HDFC Diners Club Privilege Credit Card
HDFC Diners Club Privilege Credit Card is a good choice for people looking for lifestyle benefits across everyday spending categories like dining, shopping, and movies. Cardholders can earn accelerated rewards on popular brands like Zomato & Swiggy, quarterly milestone benefits from Decathlon and Marriott, and the Buy One, Get One offer on BookMyShow. The card also offers up to 10X rewards on Smarbuy, giving users a reward rate of up to 13.33% on accelerated categories and 1.33% as a base rate.
However, in comparison to Regalia Gold, it lacks some high-end benefits, like a low forex markup fee, a higher reward rate, air-mile redemption, and better frequency of lounge access. Thus, unlike Regalia Gold, it falls behind in keeping up with the ‘premium-type’ benefits at an affordable rate.
Reward Structure
- 4 reward points for every Rs. 150 on retail spends1-3
- 5X rewards on Swiggy and Zomato (20 reward points on every Rs. 150)4,5
- Up to 10X reward points on spends at Smartbuy (40 reward points on every Rs. 150)
- Multiple Redemption Options:
- For flights and hotel bookings via Smartbuy, 1 RP = Rs 0.56
- For exclusive Privilege Dining Catalogue via Smartbuy, 1 RP = Rs. 0.5
- For redemption across product catalog, 1 RP = up to Rs 0.35
- Redemption against cashback, 1 RP= Rs. 0.207
Other Features & Benefits
- Activation Benefits: Annual memberships of Swiggy One and Times Prime.8
- Milestone Benefits: On spending Rs. 1.5 Lakh in a calendar quarter, gift vouchers worth Rs. 1,500 from Marriott Experience or Decathlon or Barbeque Nation or O2 Spa or Lakme Salon.
- Lounge Access: 2 complimentary airport lounge access in a quarter, subject to spends of Rs. 15,000 in the previous calendar quarter.
- Movies: Buy 1 Get 1 Free’ on movie/non-movie weekend tickets (Friday, Saturday, Sunday) via BookMyShow up to Rs. 250 per ticket, valid for up to 2 free tickets every calendar month.
- Fee Waiver: Renewal fee waiver on annual spends of Rs. 3 Lakhs in the previous year.
- Dining: Up to 20 % off on restaurant bill payments via Swiggy Dineout.
- Insurance: Accidental air death cover worth Rs. 1 Crore; Emergency overseas hospitalization: up to Rs. 25 lakhs; Travel Insurance Cover of up to Rs. 50,000 on baggage delay and Credit liability cover of Up to Rs. 9 Lakh.
HDFC Diners Club Privilege: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,000+GST | ||||||||||||||||||
| Annual Fee | Rs. 1,000+GST | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You frequently order food online or dine out
You want a card with a decent reward rate
You want benefits on weekend movie ticket bookings
You will be able to spend Rs. 6 lakh in a year, to maximize value back via milestone benefit and fee waiver
Eligibility Requirements:
Age: 21 to 60 years (Max. 65 years for self-employed)
Income for Salaried: Rs. 35,000 p.m
Income for Self-employed: ITR > Rs. 6 lakh p.a.
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What do we like about this card?
At a joining fee of Rs. 1,000, the card offers a decent return via two complimentary memberships. Additionally, 5X rewards on Zomato & Swiggy, redemption of reward points against dining vouchers, Swiggy One membership, and up to 20% off, makes this card one of the best-suited cards for dining privileges. Instead of an annual milestone benefit, the card offers quarterly milestone benefits to your advantage each quarter. On spending Rs. 1.5 lakh in a quarter, you get a voucher worth Rs. 1,500 from your choice of brands from Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon. When considered together with an annual fee waiver (at 3 lakh), on spending Rs. 6 lakh, you get a benefit of Rs. 8,500.
Pros
- Accelerated rewards on Swiggy and Zomato
- Decent base reward rate
- Multiple reward redemption options
- Quarterly milestone benefits
- Low annual fee waiver criteria
Cons
- Activation benefits come with a higher spend based requirement
- Low redemption value in comparison to other cards like HDFC Millennia (1:1 at a fee of Rs. 1,000)
- Lounge access is spend-based
- No concessional forex markup fee
- Movie benefits limited to weekend tickets
Conclusion
HDFC Bank has devalued the overall travel benefits on this card by limiting the frequency of lounge access from 12 in a year to 8 and removing the air miles redemption option. Not only is the frequency low in comparison to other cards at this fee, like HDFC Regalia Gold, but you also don’t get a complimentary Priority Pass membership. However, if looked upon generally and not in comparison with other cards, the benefits are decent, if not great. If you use your card majorly for both international travel and shopping, Regalia Gold would be a better option at this fee. However, Diners Club Privilege can be a good option for those who want decent reward benefits with accelerated dining perks.
Frequently Asked Questions
Everything you need to know about this credit card
The card offers complimentary memberships of Swiggy One & Times Prime on card activation. Besides, you get a voucher worth Rs. 1,500 from Marriott, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon worth Rs. 1,500 on spending over Rs. 1.5 Lakh every calendar quarter.
HDFC Diners Club Privilege Credit Card offers great benefits on multiple lifestyle categories including dining, shopping and movies. The card comes along with card activation benefits, milestone benefits, renewal fee waiver, complimentary airport lounge access, and reward points among others.
The card comes with an annual fee of Rs. 2,500 plus applicable taxes. However, on spending Rs. 3 lakh in a year, your next year’s renewal fee gets waived off.
Yes, the reward points earned via HDFC Diners Club Privilege Credit Card are valid for 2 years from the date of accumulation. You can redeem the reward points for flights and hotel bookings on SmartBuy, dining vouchers, product catalogue, or for cashback.
No, the golf benefit on the card has been discontinued w.e.f August 1, 2023.
Footnotes
- Transactions not eligible for reward point earning: fuel, cash advances, payment of outstanding balance, payment of card fees and other charges, Smart EMI/Dial an EMI.
- Reward points on insurance, utility, and telecom will have a maximum cap of 2,000 points per day (each category). Reward points earned on grocery transaction will be capped at 2000 reward points per calendar month.
- The maximum reward points that can be earned in a statement cycle is capped at 50,000 reward points.
- Out of 5X rewards on Zomato & Swiggy, capping for 4X rewards is maximum 2,500 in a month, while the remaining 1X rewards are eligible for unlimited rewards.
- 5X rewards applicable on minimum transaction value of Rs. 150.
- Cardholders can redeem up to a maximum of 70% on the travel bookings (flights, hotels and experiences) using reward points, capped at 50,000 reward points per calendar month.
- Redemption of reward points against statement balance (cashback redemption) will be capped at 50,000 points per calendar month.
- Activation benefits are subject to spending Rs. 75,000 within the first 90 days of card issuance.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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