HDFC
HDFC Diners Privilege Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Earn 20 Reward Points for Every ₹150 Spent on Swiggy and Zomato
5X rewards, with the additional 4X (16 RP per ₹150) capped at 2,500 Reward Points per calendar month
Get Annual Memberships of Swiggy One & Times Prime
on achieving retail spends of ₹75,000 within 90 days of card issuance
Best For
Shopping
Online Food Ordering
Travel
The HDFC Diners Privilege Credit Card brings top-tier dining, entertainment, and travel benefits righ...
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The HDFC Diners Privilege Credit Card brings top-tier dining, entertainment, and travel benefits righ...
The HDFC Diners Privilege Credit Card brings top-tier dining, entertainment, and travel benefits right to your wallet. Built for frequent shoppers and food enthusiasts, this card offers a strong reward rate of 4 Reward Points for every Rs. 150 you spend on retail purchases. It stands out by giving you up to 10X Reward Points when shopping through HDFC SmartBuy, making it incredibly rewarding for planned purchases like flights and hotels.
This card targets mid-level professionals and self-employed individuals who want premium perks without paying an exorbitant fee. With a standard joining and annual fee of Rs. 1,000, you gain access to global airport lounges, exclusive dining multipliers, and valuable insurance covers. If you use your credit card regularly for online food delivery, movie tickets, and travel bookings, the benefits on this card will easily cover the annual cost many times over.
View FAQ
Commonly Asked Questions
Is the HDFC Diners Privilege Credit Card lifetime free?
No, this card carries a joining fee of Rs. 1,000 and an annual renewal fee of Rs. 1,000. However, you can get the annual fee waived if you spend Rs. 3 lakh or more during the year.
Is this a good credit card for beginners?
This card requires a minimum CRIF credit score of 720 and a steady monthly income of Rs. 35,000. It is better suited for users who already have a basic credit history and want to upgrade to better rewards and lounge access.
Who should apply for this card?
Frequent travelers, moviegoers, and food lovers should consider this card. If you regularly order from Swiggy or Zomato and spend around Rs. 25,000 a month on daily expenses, you will easily maximize the reward points and hit the fee waiver milestone.
What makes this card different from basic cashback cards?
Instead of flat cashback, this card offers reward points that have a high redemption value for travel. You get up to Rs. 0.50 per point when booking flights or hotels, plus premium perks like worldwide lounge access and complimentary memberships.
Expert Review
In my experience analyzing mid-tier credit cards, the HDFC Diners Privilege Credit Card hits a great sweet spot for urban professionals. I really appreciate the high Rs. 0.50 redemption value for travel bookings. When combined with the 10X SmartBuy multiplier, the savings on flight tickets are massive compared to standard 1% cashback cards. The addition of 2 global lounge visits per quarter for both primary and add-on cardholders is a rare and highly valuable perk at this Rs. 1,000 price point.
However, the card is not without its flaws. The Diners Club network, while growing, still faces acceptance issues at smaller offline merchants compared to Visa or Mastercard. You might find yourself at a local cafe unable to swipe this card. Additionally, the strict exclusions on rent, utilities, and fuel mean you need a secondary card to maximize rewards on household bills.
My verdict? If your monthly income comfortably exceeds Rs. 35,000 and your spends are concentrated on online food delivery (Swiggy/Zomato), weekend movies, and annual vacations, this card provides spectacular value. Just keep a backup Visa or Mastercard in your wallet for places where the Diners network isn't supported.
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Maintaining the HDFC Diners Privilege Credit Card is highly economical if you use it as your primary ...
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Maintaining the HDFC Diners Privilege Credit Card is highly economical if you use it as your primary ...
Maintaining the HDFC Diners Privilege Credit Card is highly economical if you use it as your primary card. The bank charges a one-time joining fee of Rs. 1,000 plus applicable GST when your card is issued. Moving forward, you will be billed an annual renewal fee of Rs. 1,000 plus GST starting from the second year.
The bank provides a clear path to get this renewal fee waived. If your total retail spends cross Rs. 3 lakh in a single year, the Rs. 1,000 annual fee for the next year is completely waived. To hit this waiver target, you need to spend an average of Rs. 25,000 per month on groceries, shopping, travel, and dining. Because the card offers excellent reward multipliers, channeling this spend through the card not only saves you the Rs. 1,000 fee but also accumulates thousands of valuable reward points.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card has a one-time joining fee of Rs. 1,000 plus applicable GST.
What is the annual or renewal fee?
From the second year onward, you will be charged an annual renewal fee of Rs. 1,000 plus GST.
Is there an annual fee waiver option?
Yes, the annual fee is waived entirely if you spend Rs. 3 lakh or more on your card during the preceding year.
How much do I need to spend monthly to hit the fee waiver?
To reach the Rs. 3 lakh annual target, you need to spend an average of Rs. 25,000 per month across your regular household and lifestyle expenses.
Do rent payments count toward the fee waiver milestone?
Standard retail spends count toward the milestone, but the bank excludes cash withdrawals, fuel purchases, and EMI conversions from the Rs. 3 lakh waiver calculation.
What happens if I only spend Rs. 2.5 lakh in a year?
If you fall short of the Rs. 3 lakh milestone, the full annual fee of Rs. 1,000 plus GST will be charged to your credit card statement on your anniversary month.
Are there promotional lifetime free offers for this card?
The standard pricing is Rs. 1,000 per year, but the card is frequently offered as lifetime free for employees of premium corporate partners or during festive onboarding campaigns.
Does the welcome bonus offset the joining fee?
While you do pay the Rs. 1,000 joining fee, you can get Swiggy One and Times Prime memberships by spending Rs. 75,000 in 90 days. The value of these memberships significantly outweighs the joining cost.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
4.20LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
To secure approval for the HDFC Diners Privilege Credit Card, you must meet specific age, income, and...
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To secure approval for the HDFC Diners Privilege Credit Card, you must meet specific age, income, and...
To secure approval for the HDFC Diners Privilege Credit Card, you must meet specific age, income, and credit score requirements. The bank considers both salaried and self-employed individuals for this product. The primary applicant must be at least 21 years old. The maximum age limit is 60 years for salaried applicants and 65 years for self-employed individuals.
A good credit history is essential. You must have a minimum CRIF credit score of 720 to be considered eligible. If you are a salaried employee, you need a minimum monthly income of Rs. 35,000, which translates to an annual salary of Rs. 4.2 lakh. That means a standard Rs. 40,000 monthly take-home salary easily qualifies you. If you run your own business or are a self-employed professional, you must demonstrate a higher minimum annual income of Rs. 6 lakh through your Income Tax Returns.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
You must be at least 21 years old to apply as a primary cardholder.
What is the maximum age limit for the primary cardholder?
The maximum age limit is 60 years for salaried individuals and 65 years for self-employed applicants.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 35,000, which equals an annual income requirement of Rs. 4.2 lakh.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must show an annual income of at least Rs. 6 lakh to qualify.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are fully eligible to apply, provided they meet their respective income requirements.
What credit score is needed for approval?
You need a minimum CRIF credit score of 720 to meet the baseline eligibility for this credit card.
Will my application be rejected if my credit score is below 720?
A score below 720 increases the likelihood of rejection, but the bank may still approve the application if you possess a high monthly income or a significant existing relationship with HDFC Bank.
Do I need an existing relationship with HDFC Bank?
Having an existing savings or salary account is not strictly mandatory, but it can streamline the application process and improve your approval odds.
All Card Benefits
- Earn 4 Reward Points per ₹150 on retail spends
- Earn up to 10X Reward Points on SmartBuy
- Redeem Reward Points for Flights & Hotels (₹0.50/RP), Airmiles (0.5 mile/RP), Catalogue (up to ₹0.35/RP), or Cashback (₹0.20/RP)
- Complimentary annual membership of Swiggy One & Times Prime
- On spending ₹75,000 within 90 days of card issuance
- Get 2 complimentary airport lounge visits worldwide per quarter
- Valid for primary and add-on cardholders
- Lounge list available on Diners Travel Tools App
- Air Accident Insurance cover of USD 125,000
- Emergency overseas hospitalization cover of USD 31,250
- Baggage delay cover of USD 625 (for 8+ hours delay)
- Credit liability cover up to ₹9 lakh
Welcome Benefits
Starting your journey with this card is highly rewarding. You receive complimentary...
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Welcome Benefits Starting your journey with this card is highly rewarding. You receive complimentary...
Welcome Benefits
Starting your journey with this card is highly rewarding. You receive complimentary annual memberships for Swiggy One and Times Prime. These subscriptions offer free food deliveries, OTT platform access, and various lifestyle discounts. To earn this welcome package, you need to spend Rs. 75,000 within the first 90 days of card issuance or upgrade. For example, if you get your card on January 1, you must complete total spends of Rs. 75,000 by the beginning of April to receive these memberships.
Reward Points Structure
The reward system is the strongest feature of the HDFC Diners Privilege Credit Card. You earn 4 Reward Points for every Rs. 150 spent on regular retail purchases. If you shop through the HDFC SmartBuy portal, you can earn up to 10X Reward Points on your transactions. The redemption value is highly favorable for travelers. When you redeem points for flight and hotel bookings, 1 Reward Point equals Rs. 0.50. You can also convert points to airmiles at a rate of 0.5 miles per point, redeem for products from the catalogue at up to Rs. 0.35 per point, or take direct statement cashback at Rs. 0.20 per point.
For example, if you spend Rs. 30,000 a month on regular retail, you earn 800 points. Over a year, that is 9,600 points. If you redeem these points for flight tickets, they are worth Rs. 4,800. If you do some of that shopping via SmartBuy with a 10X multiplier, your total points and value will increase dramatically.
Dining and Food Delivery Benefits
Food lovers get special treatment with this card. You earn 5X Reward Points on Swiggy and Zomato orders. This translates to 20 Reward Points for every Rs. 150 spent. There is a cap on these accelerated rewards. You earn 4X bonus Reward Points up to a maximum of 2,500 points per month. Once you hit that cap, you continue to earn the base rate of 1X point per Rs. 150.
Let us look at an example. If you spend Rs. 5,000 on Swiggy in a month, you earn 666 points. Because these points are valued at up to Rs. 0.50 each for travel, that Rs. 5,000 food spend just earned you Rs. 333 towards your next flight booking.
Movie and Entertainment Perks
Your weekend entertainment is heavily subsidized with this card. You get a Buy 1 Get 1 Free movie ticket offer on BookMyShow for shows on Fridays, Saturdays, and Sundays. The maximum discount you can get per ticket is Rs. 250, and you can claim up to 2 free tickets per month.
For example, if you book two movie tickets costing Rs. 300 each for a Saturday evening show, the card will give you a discount of Rs. 250 on the second ticket. You will pay Rs. 350 instead of Rs. 600. If you do this twice a month, you save Rs. 500 every single month just on movie tickets.
Airport Lounge Access
Travel becomes far more comfortable with complimentary airport lounge access. The card offers 2 free airport lounge visits worldwide per quarter. This means you get a total of 8 visits per year. A major advantage of this card is that the lounge visits are valid for both primary and add-on cardholders. You can find the list of eligible lounges on the Diners Travel Tools App.
If you take a round trip international vacation with your spouse, you can both access the lounge during departure using your primary and add-on cards, consuming your 2 visits for that quarter completely free of charge.
Insurance and Liability Cover
The card provides substantial financial protection while you travel. It includes an Air Accident Insurance cover of USD 125,000 and an emergency overseas hospitalization cover of USD 31,250. Additionally, if your baggage is delayed for more than 8 hours, you have a baggage delay cover of USD 625. For everyday security, the card offers a credit liability cover up to Rs. 9 lakh against fraudulent transactions.
For instance, if your luggage goes missing on an international trip and takes 12 hours to arrive, you can claim expenses up to USD 625 to buy essential clothing and toiletries while you wait.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You must spend a minimum of Rs. 75,000 using your card within 90 days of card issuance. Once you hit this milestone, you will receive the Swiggy One and Times Prime memberships.
Is there an activation requirement for the card?
Yes, you must make a minimum transaction of Rs. 100 within 30 days to activate the card. If you fail to do this, you will not be eligible for any rewards.
Can I renew the Swiggy One membership for free next year?
These memberships are provided as a one-year welcome benefit. To continue the benefits in subsequent years, you must meet the annual spending milestone of Rs. 8 lakh or pay the standard subscription fees for the platforms.
What happens if I spend only Rs. 50,000 in the first 90 days?
If you do not reach the Rs. 75,000 spending milestone within the 90-day window, you will not receive the complimentary welcome memberships.
What is the standard reward rate on this card?
You earn 4 Reward Points for every Rs. 150 spent on retail purchases. This provides a steady base rate for your everyday shopping.
What is the value of 1 reward point in rupees?
The value changes based on how you redeem them. 1 point equals Rs. 0.50 for flights and hotels, up to Rs. 0.35 for catalogue products, and Rs. 0.20 for direct statement cashback.
How do I earn 10X Reward Points?
You can earn up to 10X Reward Points by making your purchases through the HDFC SmartBuy portal. This includes travel bookings, gift vouchers, and partner brand shopping.
Which transactions are excluded from earning reward points?
You will not earn points on rent, fuel, EMI transactions, cash withdrawals, school and educational services, government transactions, wallet loads, utility bills, railway bookings, and financial charges.
Do I earn points on fuel purchases?
No, fuel purchases are strictly excluded from earning reward points on this card.
Do I earn points on utility bill payments?
No, utility bill payments such as electricity, water, and gas bills do not earn any reward points.
Do I earn points on rent payments?
No, rent payments are excluded from reward earning. Additionally, the bank charges a 1% fee on the transaction amount for rent payments.
How can I redeem my reward points?
You can redeem your points for flights, hotels, gift vouchers, merchandise, or statement cashback through the SmartBuy Diners redemption portal.
Is there a fee for redeeming my reward points?
No, there is zero fee charged when you redeem reward points on this card. The entire value goes toward your chosen reward.
Can I transfer my reward points to airline miles?
Yes, you can convert your reward points to airmiles. The conversion rate is 0.5 airmiles for every 1 Reward Point.
Do my reward points expire?
Reward points on the HDFC Diners Privilege Credit Card are valid for a period of 2 years from the date of accumulation. Points not redeemed within this timeframe will expire and be removed from your balance.
How many points do I earn on Swiggy and Zomato?
You earn 5X Reward Points, which means 20 Reward Points for every Rs. 150 spent on these platforms.
Is there a limit to how many dining bonus points I can earn?
Yes, the 4X bonus portion is capped at 2,500 Reward Points per month. After reaching this limit, your food delivery spends will earn the standard 1X base rate.
How much do I need to spend to hit the dining rewards cap?
Because you earn 16 bonus points per Rs. 150, you would need to spend approximately Rs. 23,437 on Swiggy and Zomato in a single month to hit the 2,500 bonus point cap.
Do dining out at restaurants qualify for the 5X points?
Direct swipes at restaurant outlets earn the standard reward rate of 4 points per Rs. 150 spent. The accelerated 5X multiplier is strictly reserved for online orders placed through Swiggy and Zomato.
What is the movie ticket offer on this card?
You get a Buy 1 Get 1 Free offer on BookMyShow. The maximum discount is capped at Rs. 250 per ticket.
Can I use the movie offer on any day of the week?
No, this specific Buy 1 Get 1 Free offer is only valid for movie shows on Fridays, Saturdays, and Sundays.
How many free movie tickets can I get in a month?
You can get up to 2 free movie tickets per month using this card, maximizing your entertainment savings.
What happens if my second movie ticket costs Rs. 400?
The discount is capped at Rs. 250. You will pay the full Rs. 400 for the first ticket, and Rs. 150 for the second ticket, bringing your total to Rs. 550.
How many lounge visits do I get with this card?
You receive 2 complimentary airport lounge visits worldwide every quarter, totaling 8 free visits annually.
Can my family members use my lounge access?
Yes, the lounge access benefit is valid for both primary and add-on cardholders. Your spouse can use an add-on card to access the lounge.
Is the lounge access limited to domestic airports in India?
No, the card provides worldwide airport lounge access, making it excellent for international travel.
How do I check which lounges accept this card?
You can view the complete list of participating airport lounges by downloading and checking the Diners Travel Tools App.
What happens if I face a medical emergency abroad?
The card provides an emergency overseas hospitalization cover of up to USD 31,250 to help manage unforeseen medical expenses during international trips.
Is there any coverage for lost or delayed baggage?
Yes, if your baggage is delayed for 8 hours or more, the card provides a delay cover of up to USD 625 to purchase essentials.
What does the credit liability cover mean?
The credit liability cover of up to Rs. 9 lakh protects you from financial loss in case your card is lost, stolen, or used for fraudulent transactions.
Do I need to pay extra for this insurance?
No, these insurance covers are built-in benefits of the card. To file a claim, you must notify the bank within 7 days of the incident and submit the required travel documentation and incident reports through the HDFC net banking portal.
Milestone Benefits
Voucher Benefit(Worth ~ ₹6,000)
Spend ₹1,50,000 in 90 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward point =₹0.50
Redemption Options
• Flights
• Hotels
• Gift vouchers
• Merchandise
• Cashback
To check redemption catalogue
Redeeming the points you earn on the HDFC Diners Privilege Credit Card is straightforward and highly ...
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Redeeming the points you earn on the HDFC Diners Privilege Credit Card is straightforward and highly ...
Redeeming the points you earn on the HDFC Diners Privilege Credit Card is straightforward and highly flexible. You manage all your redemptions through the dedicated HDFC SmartBuy Diners portal. There is no manual request required to earn the points; they are credited to your account at the end of every statement cycle based on your eligible spends.
When you are ready to use them, log into the SmartBuy portal. Here, you will find options to book flights, reserve hotel rooms, buy gift vouchers, or shop for merchandise. The best value lies in travel. If you have 10,000 reward points, you can book a flight ticket worth Rs. 5,000, since each point is valued at Rs. 0.50 for travel. If you prefer hard cash, you can opt for statement cashback. In this case, your 10,000 points will give you Rs. 2,000 credited directly to your credit card bill, as the cashback conversion rate is Rs. 0.20 per point.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You need to log into the HDFC SmartBuy portal or your net banking account, navigate to the Diners rewards section, and choose your preferred redemption category.
What can I redeem my reward points for?
You can redeem your points for flight tickets, hotel stays, brand gift vouchers, physical merchandise, airmiles, or direct statement cashback.
What is the exact rupee value of my reward points?
1 point equals Rs. 0.50 for flights and hotels, 0.5 miles for airmiles, up to Rs. 0.35 for catalogue items, and Rs. 0.20 for statement cashback.
Is there a fee for redeeming my rewards or cashback?
No, there is absolutely no reward redemption fee charged on this card. The process is completely free.
Is there a minimum points balance needed before I can redeem?
You can initiate a redemption request once you have accumulated a minimum balance of 2,500 reward points.
How long does it take for statement cashback to reflect?
Once you initiate a cashback redemption request, the amount is credited to your credit card statement within 7 working days.
What happens to my unredeemed points if I close the card?
Unredeemed reward points are forfeited when you cancel your credit card. Always ensure you redeem all your accumulated points before initiating a closure request.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel
EMI Transactions
Cash Withdrawals
School & Educational Services
Government Related Transactions
Wallet Transactions
GST Charges
Gambling
Tolls
Security
Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payment
Fuel
EMI Transactions
Cash Withdrawals
School & Educational Services
Government Related Transactions
Wallet Transactions - Load Money Fees
GST Charges
Gambling
Tolls
Security
Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
To maximize your benefits, you must understand where this card does not earn rewards. The bank has a ...
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To maximize your benefits, you must understand where this card does not earn rewards. The bank has a ...
To maximize your benefits, you must understand where this card does not earn rewards. The bank has a strict list of merchant categories that are excluded from the reward points program. You will not earn any base or accelerated reward points on rent payments, fuel transactions, wallet loads, or EMI conversions. Furthermore, payments toward school and educational services, government-related transactions, GST charges, utility bills, and railways yield zero rewards.
For example, if you pay your child's annual school fee of Rs. 1,00,000 using this card, you will not earn the standard 2,666 points you would normally get on a retail spend of that size. The transaction will go through successfully, but the reward counter will remain unaffected. Similarly, using the card for cash withdrawals, gambling, tolls, broker services, charity, balance transfers, or paying financial charges provides no points. Always use this card for shopping, dining, and travel to ensure every rupee spent works in your favor.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Transactions including rent, fuel, EMI, cash withdrawals, education, government services, wallets, utilities, railways, and insurance do not earn any reward points.
Are fuel transactions excluded from earning rewards?
Yes, spending money at petrol pumps is fully excluded. You will not earn any reward points on fuel transactions.
Does paying rent with this card earn reward points?
No, rent payments are explicitly excluded from earning reward points. Moreover, you will be charged a 1% fee on the rent amount.
Do wallet top-ups earn rewards on this card?
No, loading money into digital wallets like Paytm or Amazon Pay is considered an excluded transaction and earns zero points.
Are education or school fee payments excluded from earning rewards?
Yes, payments made to schools, colleges, and educational services are excluded and will not accumulate any reward points.
Are utility bill payments such as electricity excluded?
Yes, utility bill payments are part of the bank's exclusion list. You will not earn points for paying electricity, water, or gas bills.
What happens if I accidentally make a payment in an excluded category?
The payment will be processed successfully by the merchant, but that specific transaction will simply not add any reward points to your account balance.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%
| 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST for railway ticket purchases. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees For Cheque value upto ₹5,000 - ₹25 and for above ₹5,000 - ₹50 | ₹50 |
Cash Payment Fees HDFC Bank levies a ₹250 + GST fee per cash payment made at a branch | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
The HDFC Diners Privilege Credit Card has a transparent and standard fee structure for a premium mid-...
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The HDFC Diners Privilege Credit Card has a transparent and standard fee structure for a premium mid-...
The HDFC Diners Privilege Credit Card has a transparent and standard fee structure for a premium mid-range card. Knowing exactly what charges apply helps you manage your account smartly and avoid penalties.
The card carries a one-time joining fee of Rs. 1,000 plus applicable GST. Currently, there is no direct welcome waiver for this fee, but spending Rs. 75,000 in the first 90 days earns you Swiggy One and Times Prime memberships, effectively offsetting the cost.
From the second year, an annual renewal fee of Rs. 1,000 plus GST is charged. However, this annual fee is waived completely if you spend Rs. 3 lakh or more in the previous year. If you spend Rs. 25,000 a month on regular expenses, you will never pay this renewal fee.
The Annual Percentage Rate (APR) on purchases, cash advances, and outstanding balances is 3.75% per month, which equals 45% per annum. For example, if you carry forward an unpaid balance of Rs. 10,000 to the next month, you will be charged Rs. 375 in interest, plus taxes, from the date of transaction.
Late payment charges are structured in slabs based on your outstanding amount. The fee ranges from Rs. 0 for balances under Rs. 100, up to Rs. 1,300 for balances over Rs. 50,000. If your outstanding bill is Rs. 3,000 and you miss the due date, you fall into the Rs. 1,001–Rs. 5,000 slab and will face a late fee of Rs. 600.
A 3.5% forex markup is charged on transactions made in foreign currencies. If you travel abroad and buy a meal for USD 100 (roughly Rs. 8,300), the bank will add a 3.5% fee, meaning you pay an extra Rs. 290.50 for that transaction.
Withdrawing cash using this credit card is expensive. A fee of 2.5% of the withdrawn amount is applied, with a minimum charge of Rs. 500. If you withdraw Rs. 10,000 from an ATM, you will be charged an immediate fee of Rs. 500, plus the 3.75% monthly interest starts accruing immediately.
Using this card to pay rent attracts a processing fee. The bank charges 1% of the transaction amount on all rent payments. If you use the card to pay Rs. 20,000 in monthly rent, a fee of Rs. 200 plus GST will be added to your statement.
When booking railway tickets, a surcharge is levied as prescribed by IRCTC or Indian Railways. The surcharge is 1% of the transaction amount plus applicable taxes for online bookings and 1.8% for counter bookings.
If you prefer to pay your credit card bill in cash at a bank branch, you will be charged a cash payment fee of Rs. 100 per deposit. You can easily avoid this by paying your bill online via net banking or UPI.
If you pay your bill via cheque and the cheque bounces or your auto-debit fails, a penalty of 2% of the payment amount is levied for the dishonor. Always ensure your savings account has sufficient funds before the due date.
A major positive is that no fee is charged when redeeming reward points on this card. If you convert 10,000 points into a Rs. 5,000 flight voucher, you pay absolutely zero redemption charges.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 1,000 |
| Annual / Renewal Fee | Rs. 1,000 (Waived on Rs. 3 Lakh annual spend) |
| Interest Rate (APR) | 3.75% per month (45% p.a.) |
| Late Payment Charges | Up to Rs. 100: Rs. 0 Rs. 101–500: Rs. 100 Rs. 501–1,000: Rs. 500 Rs. 1,001–5,000: Rs. 600 Rs. 5,001–10,000: Rs. 750 Rs. 10,001–25,000: Rs. 900 Rs. 25,001–50,000: Rs. 1,100 > Rs. 50,000: Rs. 1,300 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% of amount (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1% of transaction amount + taxes |
| Cash Payment Fee | Rs. 100 per deposit |
| Cheque Return Fee | 2% of payment amount |
| Reward Redemption Fee | Not Applicable (Zero) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 1,000. While it is not waived upfront, you receive Swiggy One and Times Prime memberships by spending Rs. 75,000 within the first 90 days.
What is the annual or renewal fee?
The standard renewal fee is Rs. 1,000 per year, charged starting from your second year.
Is there an annual fee waiver based on spending?
Yes, if your retail spends exceed Rs. 3 lakh in a single year, the Rs. 1,000 annual fee for the subsequent year is waived.
What is the interest rate (APR) if I don't pay my full balance?
The interest rate is 3.75% per month, which translates to 45% per annum on unpaid balances.
How is the interest calculated on outstanding balances?
If you do not pay your Total Amount Due by the due date, interest is calculated daily from the original date of each transaction, not just from the due date.
What are the late payment charges?
Late fees are slab-based. For example, an outstanding balance of Rs. 8,000 attracts a penalty of Rs. 750.
Is the late payment fee different based on outstanding amount?
Yes, it ranges from Rs. 0 for balances under Rs. 100, all the way up to Rs. 1,300 for balances exceeding Rs. 50,000.
What is the forex markup for international transactions?
The bank charges a 3.5% markup fee on all transactions made in foreign currencies or on international point-of-sale machines.
Can I withdraw cash using my credit card?
Yes, but you will be charged a 2.5% fee on the withdrawal amount immediately, along with 3.75% monthly interest starting from the day of the transaction.
What are the cash withdrawal charges and limits?
You pay a 2.5% fee on the amount withdrawn, with a minimum charge of Rs. 500. Additionally, monthly interest of 3.75% applies from day one.
Are there fees for paying rent with this card?
Yes, a processing fee of 1% is charged on the total rent amount paid using the credit card.
Is there a fee for paying my bill in cash?
Yes, if you walk into a branch to deposit cash toward your credit card bill, a Rs. 100 fee applies.
What are the charges for cheque payment of bills?
If your cheque bounces or the auto-debit fails due to insufficient funds, you are hit with a 2% penalty on the payment amount.
Are there charges for railway ticket bookings?
The surcharge for railway bookings is 1% of the transaction amount plus applicable taxes for online IRCTC bookings.
Is there a fee to redeem my reward points?
No, reward point redemption is completely free of charge on this card.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
Do I need a PAN card to apply?
Yes, a valid PAN card is mandatory for all credit card applications to check your credit history.
Can I use my Aadhaar card for both ID and address proof?
Yes, an Aadhaar card serves as both valid identity proof and address proof.
How many months of salary slips are required?
You typically need to submit your latest 2 months' salary slips as proof of your Rs. 35,000 minimum monthly income.
What documents do self-employed applicants need?
Self-employed individuals must provide their latest Income Tax Returns demonstrating an annual income of at least Rs. 6 lakh.
Do I need to submit physical documents to the bank?
If you complete the digital application and Video KYC successfully, you do not need to submit any physical paperwork.
Can I apply without an income proof document?
If you have an existing relationship with the bank, you might get a pre-approved offer that waives income document requirements. Otherwise, proof is mandatory.
Who Should Get This Card?
The Frequent Traveler: "I take three or four trips a year and hate paying for airport food."
This card is perfect for you. With 8 free global lounge visits a year, you and your spouse can relax at the airport for free. Plus, booking your flights on SmartBuy earns you massive reward points.
The Food Enthusiast: "I order from Swiggy or Zomato almost every other day."
You will love this card. You get an accelerated 5X reward points on these apps. Spending Rs. 4,000 a month on food delivery earns you over 500 points easily.
The Weekend Movie Buff: "I go to the cinema every weekend with my friends."
The Buy 1 Get 1 Free offer on BookMyShow (up to Rs. 250 off) twice a month is incredibly practical. You instantly save Rs. 500 a month on entertainment.
Who Should Avoid It?
If you want to earn rewards on paying rent, utility bills, or loading digital wallets, skip this card. Those categories are heavily excluded. Similarly, if your monthly income is below Rs. 35,000, your application will likely be declined.
Credit Limit and What to Expect
Your credit limit is determined by several factors including your current income, existing credit history, and your CRIF score of 720 or above. The bank analyzes your repayment capacity before assigning a limit. If you have a high income and a clean track record, you can expect a generous starting limit that easily accommodates travel bookings and daily expenses.
View FAQ
Commonly Asked Questions
What credit limit will I get with this card?
The exact limit varies for each applicant. It is based on your Rs. 35,000+ monthly income, credit score, and existing debt obligations.
Can I request a higher limit after receiving the card?
Yes, after using the card responsibly for 6 to 12 months, you can request a credit limit increase through net banking or by submitting updated income documents.
Does the bank offer pre-approved limits?
If you have an existing salary account or long-term relationship with the bank, you may receive a pre-approved offer with a predetermined high credit limit.
What happens if I spend beyond my credit limit?
Overlimit transactions attract a fee of 2.5% of the overlimit amount, subject to a minimum of Rs. 550. Transactions above your assigned limit are typically declined unless you have enabled overlimit facilities.
Will checking my eligibility lower my credit score?
Checking preliminary eligibility involves a soft pull that does not hurt your score. Only the final submission triggers a hard inquiry.
How much of my limit can I use for cash withdrawals?
Cash advance limits are set at 20% to 40% of your total credit limit. Keep in mind that cash withdrawals attract a 2.5% fee and immediate interest charges.
How to Apply?
Applying for this credit card is a simple, digital-first process. You can apply directly through the bank's official website or through verified financial partner platforms. To begin, you will need to fill out a basic form with your PAN card details, mobile number, and employment information. After initial verification, you can submit your application and proceed to the Video KYC stage.
During the Video KYC call, a bank executive will verify your identity live. You must keep your original PAN card handy and ensure you have a blank piece of paper and a pen for a live signature. Make sure your internet connection is stable and you are in a well-lit room. Once your Video KYC is successful and your income documents are verified, the card is usually dispatched within a week.
View FAQ
Commonly Asked Questions
Can I apply for this card online?
Yes, you can apply online from the comfort of your home via the bank's website or authorized partner portals.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process over a video call. It is highly recommended as it allows you to complete your application without visiting a branch or submitting physical papers.
What do I need for a successful Video KYC call?
You need your original physical PAN card, a blank sheet of paper, a blue or black pen, and a steady internet connection.
How can I track my application status?
After submitting your application, you will receive an Application Reference Number via SMS. You can use this number on the bank's online tracking portal to check your status.
How long does the approval process take?
After successful document submission and Video KYC, final approval and card dispatch take between 5 to 10 working days.
What happens if my Video KYC fails?
If the video call disconnects or fails verification, the bank will send a representative to your registered address to complete a physical biometric KYC.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Earn 20 Reward Points for Every ₹150 Spent on Swiggy and Zomato
5X rewards, with the additional 4X (16 RP per ₹150) capped at 2,500 Reward Points per calendar month
Get Annual Memberships of Swiggy One & Times Prime
on achieving retail spends of ₹75,000 within 90 days of card issuance
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