All cards / HDFC Bank
HDFC Diners Club Privilege
HDFC Diners Club Privilege sits between the entry cashback cards and the flagship Diners Club Black. For a modest ₹1,000 fee it offers real dining and lifestyle perks: 5X points on Swiggy and Zomato, Buy 1 Get 1 movie tickets, quarterly lounge vouchers and Swiggy One plus Times Prime memberships. The base earn dropped to 4 points per ₹200 on 15 May 2026, so it now suits frequent diners who can hit the spend thresholds that unlock its lounge and lifestyle benefits.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
Diners Club
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Buy 1 Get 1 on weekend BookMyShow tickets (up to 2 free tickets a month, max ₹250 each); 5X points on Swiggy and Zomato (bonus capped at 2,500 points a month); extra 10% off at Swiggy Dineout partner restaurants; Swiggy One membership once ₹75,000 is spent in the first 90 days
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic lounge vouchers per calendar quarter, gated behind ₹60,000 of spend in the preceding quarter
- International lounge access: 1 complimentary international lounge voucher per calendar quarter, on the same ₹60,000 previous-quarter spend
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate
- ✈️ Travel
From the quarter starting 1 Jul 2026, 3 lounge vouchers per calendar quarter (2 domestic + 1 international), unlocked by ₹60,000 of spend in the preceding quarter
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: Redemption via SmartBuy or as statement credit is free; nominal fee only for catalogue/voucher redemptions
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- From the quarter starting 1 Jul 2026, 3 lounge vouchers per calendar quarter (2 domestic + 1 international), unlocked by ₹60,000 of spend in the preceding quarter
- Complimentary Swiggy One and Times Prime memberships unlocked once ₹75,000 is spent within the first 90 days of card issuance
- Choice of a ₹1,500 voucher from partners such as Marriott, Lakme and O2 Spa, awarded for every ₹1,50,000 of retail spend in a calendar quarter
- 4 Reward Points per ₹200 on eligible spends from 15 May 2026, and 20 points per ₹200 on Swiggy and Zomato (bonus capped at 2,500 points a month)
Pros
- + Accelerated reward points on dining, particularly Swiggy and Zomato orders
- + Swiggy One and Times Prime memberships add real recurring lifestyle value once unlocked
- + Quarterly lounge access (2 domestic + 1 international) at a fee well below the Diners Club Black tier
- + Quarterly milestone vouchers from brands like Marriott and Lakme reward consistent spenders
- + Reasonably accessible ₹35,000/month income requirement for a card with lounge access
Cons
- − Lounge access requires ₹60,000 of spend in the preceding quarter, so it isn't available from day one
- − Diners Club acceptance is narrower than Visa or Mastercard, particularly for smaller merchants and overseas
- − 3.5% forex markup undercuts the card's travel-adjacent positioning