CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC Diners Club Privilege Credit Card

32
Ranked #77 of 170 in credit
creditDiners Club

HDFC's mid-tier Diners Club card offering dining/lifestyle memberships and accelerated Swiggy/Zomato rewards, significantly devalued in 2026 with new lounge spend-gating and a lower base reward rate.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value17/100 · weight 71%
≈ 0.81% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +4.2% score bonus — earns broadly without narrow category restrictions.
Fee efficiency79/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks45/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹2,500 + 18% GST
= ₹2,950 total
Annual fee
₹2,500 + 18% GST
= ₹2,950 / year total
Waiver: Renewal fee waived on annual spend of Rs 3 lakh
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
4

Reward structure

CategoryTypeRateCapNotes
diningpoints1.25%(2.5 pts @ ₹0.50)——
travelpoints1.25%(2.5 pts @ ₹0.50)——
groceriespoints1.25%(2.5 pts @ ₹0.50)——
online_spendspoints1.25%(2.5 pts @ ₹0.50)——
food_deliverypoints1.25%(2.5 pts @ ₹0.50)₹25,000 / monthly5X (20 RP/Rs 200) on Swiggy/Zomato, capped 2,500 pts/month
all_spendspoints0.50%(1 pts @ ₹0.50)—4 RP/Rs 200 base rate (revised down May 2026)
fuelpoints0.50%(1 pts @ ₹0.50)——

Welcome offer

Complimentary 1-year Swiggy One and Times Prime membership on Rs 75,000 spend within 90 days or joining fee realisation

Milestone benefits

Pros

  • BOGO movie tickets via BookMyShow (2/month, up to Rs 250 each)
  • Swiggy One + Times Prime bundled welcome membership
  • decent milestone vouchers (up to Rs 6,000/year)
  • up to 10X on SmartBuy

Cons

  • MAJOR 2026 devaluation across the board: lounge access now spend-gated (Rs 60K/quarter from July 2026), base reward rate cut ~25% (May 2026), new Rs 199 card reissuance fee, DCC markup raised to 1.75%
  • golf benefit already removed in 2023
  • no Priority Pass membership
  • weaker than HDFC Regalia Gold at similar fee point

What's inside

More benefits

  • Complimentary golf & lounge access

    Golf games and domestic lounge access for Diners Club Privilege tier

    quarterly. Verify at MITC

Insurance cover

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Eligibility

text
Salaried net monthly income > Rs 70,000, self-employed ITR > Rs 8.4 lakh/annum; age 21-60 (salaried), 21-65 (self-employed)

Small print

Fuel surcharge:Not explicitly detailed; DCC markup revised to 1.75% on international INR transactions (May 2026)