HDFC Bank Diners Club Privilege Credit Card
HDFC Bank
A dining- and lounge-forward mid-premium card with a genuinely useful voucher cadence.
₹2,500
Joining fee
₹2,500, waived at ₹2.5L spend
Annual fee
Waived on Rs 3 lakh annual spend.
3.5%
Forex markup
4.2 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 740+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried min Rs 35,000/month; self-employed ITR exceeding Rs 6 lakh annually. Age up to 65 for self-employed.
Lounge access
8 domestic / 4 international visits per year
Delivered as 3 lounge vouchers/quarter (2 domestic + 1 international), effective from July 2026.
Spend Condition: Rs 60,000 prior-quarter spend
Visits Per Quarter: 2
Spend Condition: same Rs 60,000 prior-quarter spend
Visits Per Quarter: 1
Key features
- 4 pts/₹150
- Quarterly lifestyle vouchers
- 3 lounge vouchers/quarter (2 domestic + 1 international) from July 2026 onward
- Weekend BOGO movies
Reward details
4 reward points per Rs 200 (~1.33% value)
- 5X rewards (4X portion capped, 1X portion uncapped) on Dining (Zomato/Swiggy, transactions Rs 150+) — 4X portion capped at 2,500 points/month
- up to 10X rewards on SmartBuy — 3,000 points/month on vouchers, 4,000 points/month overall
Category caps
- Insurance/utility/telecom combined: 2,000 points/day
- Groceries: 2,000 points/month
Redemption
Tiered by redemption channel, travel being most valuable.
Ratio: Travel bookings (flights/hotels) at 1 RP = Rs 0.56; product catalogue up to 1 RP = Rs 0.35; cashback at 1 RP = Rs 0.20
Caps: Overall statement-cycle cap of 50,000 points maximum
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Dining-focused users find decent value at the relatively low Rs 1,000 fee tier. — Paisabazaar
Complaints
- Card 'lacks some high-end benefits' for its segment; travel benefits described as 'devalued' compared to alternatives like HDFC Regalia Gold; absence of any forex markup concession seen as a gap. — Paisabazaar
Sources
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment
- Official (not independently verified) — product listing (search result only)