The HDFC Diners Club Privilege Credit Card focuses on lifestyle and dining benefits, making it ideal for people who often spend on food delivery and travel. It provides 5X reward points on Swiggy and Zomato. Users can also earn milestone vouchers based on their quarterly spending, as well as lounge access for frequent flyers. The card has a joining and renewal fee of ₹1,000 plus taxes. However, the renewal fee is waived if users reach ₹3 lakh in annual spending.
HDFC Diners Club Privilege Credit Card Benefits
The HDFC Diners Club Privilege Credit Card offers lifestyle and travel benefits in one package. You get welcome memberships to Swiggy One and Times Prime. There are ongoing rewards on retail spending and added value on SmartBuy and food delivery services. Dining and entertainment come with 5X points on Swiggy/Zomato and special weekend offers on BookMyShow. Travelers enjoy quarterly lounge access and insurance coverage. Milestone vouchers and a 2-year reward validity make it practical. With improved acceptance worldwide, this card is great for anyone looking for balanced rewards in shopping, dining, and travel.
Welcome Benefits
New cardholders can enjoy practical lifestyle perks with the Diners Club Privilege Credit Card. By spending ₹75,000 within the first 90 days of receiving the card, you can get free annual memberships to Swiggy One and Times Prime. These subscriptions enhance everyday living by providing savings on food delivery, dining offers, OTT platforms, and lifestyle benefits. This welcome package is both useful and easy to use.
Dining And Entertainment
The Diners Club Privilege Credit Card focuses heavily on dining, especially for users who often order food online. It gives 5X reward points on Swiggy and Zomato transactions, up to a maximum of 2,500 extra reward points each month. This makes it a great option for people who frequently use food delivery services.
For entertainment, the card provides a BookMyShow weekend offer. With this, you can get a Buy 1 Get 1 Free deal on movie and non-movie tickets. The offer is valid from Friday to Sunday, allowing a maximum of 2 free tickets per month, each with a limit of ₹250. This offer adds extra value for those who enjoy regular movie trips or weekend entertainment.
Lounge Access
The Diners Club Privilege Credit Card gives access to both domestic and international airport lounges. This makes it helpful for frequent travelers. Cardholders can enjoy 2 complimentary lounge visits every calendar quarter, adding up to 8 visits in a year. However, this benefit has a condition. You must spend at least ₹15,000 in the previous quarter to get lounge access in the next quarter. This setup ensures that only active cardholders receive the benefit while still making it practical for those who travel often.
Milestone Benefits
The Diners Club Privilege Credit Card rewards regular spending with quarterly milestone benefits. Cardholders who spend ₹1.5 lakh in a calendar quarter receive a ₹1,500 gift voucher. These vouchers come from partner brands like Marriott, Decathlon, Barbeque Nation, O2 Spa, and Lakmé Salon, covering lifestyle and dining categories. If cardholders reach all four milestones in a year, they can earn vouchers worth ₹6,000, which helps reduce a large part of the card’s annual fee.
Retail And Online Shopping
The Diners Club Privilege Credit Card offers steady rewards on everyday spending and provides greater value when used wisely online. For retail purchases, cardholders earn 4 reward points for every ₹150 spent. This makes it a reliable option for groceries, fashion, and lifestyle buys.
Shopping online brings extra benefits through the HDFC SmartBuy portal. The card gives up to 10X reward points on selected categories like flights, hotels, and certain e-commerce sites. This makes it especially beneficial for cardholders who plan their online purchases and bookings through SmartBuy. By putting their spending here, cardholders can accumulate significantly more rewards compared to regular retail transactions.
HDFC Diners Club Privilege Credit Card Reward Points Redeem
The HDFC Diners Club Privilege Credit Card has a rewards program that aims to provide great value for different spending habits.
Reward Points Accrual:
- Retail Purchases: Earn 4 Reward Points (RPs) for every ₹150 spent on eligible retail transactions.
- Food Delivery: Receive 20 RPs for every ₹150 spent on Swiggy and Zomato, with a cap of 2,500 bonus points per month.
- Online Shopping & Travel: Accumulate up to 10X/5X RPs on purchases made through the HDFC SmartBuy platform, with monthly limits.
Reward Points Redemption:
- SmartBuy Platform: Redeem RPs for flight and hotel bookings at a rate of ₹0.50 per RP. A convenience fee of ₹99 applies to each transaction.
- NetBanking: Redeem RPs for cashback at a rate of ₹0.20 per RP.
- Product Catalogue: Redeem RPs for products and vouchers, with values depending on the item.
Reward Points Validity:
- RPs are valid for 2 years from the date they are earned.
- RPs will not be earned for fuel transactions, EasyEMI, e-wallet loading, or insurance purchases that exceed specified limits.
HDFC Diners Club Privilege Credit Card Fees
HDFC Diners Club Privilege Credit Card Eligibility
The HDFC Diners Club Privilege Credit Card is available to both salaried and self-employed individuals, subject to specific income and age requirements. For salaried applicants, the minimum monthly income should be ₹35,000 or more. They must be between 21 and 60 years old. Self-employed individuals need to show an annual income of at least ₹6 lakh as per ITR, and the age limit goes up to 65 years.
Along with income and age, applicants should have a good credit history. A score of 750 or higher generally improves approval chances. The bank also requires standard documents, such as identity proof, address proof, and income statements. While meeting these conditions makes you eligible, the final decision is made by HDFC Bank after examining your overall profile.
Quick Comparison With Competitive Cards
HDFC Diners Club Privilege Credit Card Review
The HDFC Diners Club Privilege Credit Card is an entry-level premium card with a relatively low joining fee of ₹1,000 plus GST. For this price, it provides a good mix of features, including decent lounge access (8 visits each year), lifestyle memberships as welcome perks, and milestone vouchers for quarterly spending. While the welcome perks are average and the milestone value is moderate, the card still provides regular lifestyle benefits for those who spend consistently on retail and dining.
In terms of rewards, cardholders earn 4 Reward Points for every ₹150 spent, which gives an effective reward rate of about 1.3% on general spending. This is not very high compared to competitors, but the redemption value through SmartBuy partners makes the conversion rate reasonable, though not exceptional. The wider acceptance of Diners cards can sometimes be a drawback for users who frequently shop offline.
Compared to other lifestyle-focused cards, the Diners Club Privilege seems more like a stepping stone into the premium segment rather than a strong standalone option. For example, SBI Card PRIME, despite its higher joining fee, offers better milestone benefits, wider acceptance due to the Visa/Mastercard network, and greater value in accelerated categories. Similarly, Axis Privilege combines milestone EDGE Rewards with easy waiver conditions but still falls short of SBI PRIME in lifestyle benefits.
Overall, the Diners Club Privilege works best for those who want a low-cost entry into the premium card world, with lounge access and steady lifestyle perks. However, it does not provide outstanding value in rewards or redemptions compared to its competitors.
Frequently Asked Questions
What is the HDFC Diners Club Privilege Credit Card?
The HDFC Diners Club Privilege Credit Card is a mid-premium lifestyle card. It offers lounge access, benefits for milestones, lifestyle memberships, and reward points on everyday spending. There is an annual fee of ₹1,000 plus GST, which can be waived if you spend ₹3 lakh in a year.
What are the HDFC Diners Club Privilege Credit Card benefits?
Key benefits include 8 complimentary lounge visits each year, milestone vouchers worth ₹1,500 for quarterly spending, memberships like Swiggy One and Times Prime as welcome gifts, and extra reward points on SmartBuy and dining transactions.
What are the HDFC Diners Club Privilege Credit Card fees?
The card has a joining and renewal fee of ₹1,000 plus GST. However, you can waive the annual fee if your yearly spending reaches ₹3,00,000.
What is the HDFC Diners Club Privilege Credit Card lounge access policy?
Cardholders receive up to 8 complimentary lounge visits per year, which breaks down to 2 visits per quarter. This includes access to both domestic and international lounges within the Diners Club network.
Is there an HDFC Diners Club Privilege Credit Card BookMyShow offer?
Yes, the card offers benefits on BookMyShow through partnerships that provide cardholders with exclusive deals and extra rewards when booking movie or event tickets.
How can I use the HDFC Diners Club Privilege Credit Card reward points redeem option?
You can redeem reward points through the HDFC SmartBuy portal for flights, hotels, and shopping, or convert them into vouchers. Usually, 1 RP equals ₹0.50 for travel redemptions and less for vouchers or cashback.
What is the HDFC Diners Club Privilege Credit Card review?
Reviews indicate that the card is a solid entry-level premium option with low fees and consistent lifestyle benefits. However, the reward rate is average, and Diners Club acceptance may be limited at some offline merchants compared to Visa or Mastercard.
Does the HDFC Diners Club Privilege Credit Card offer international lounge access?
Yes, international lounge access is part of the Diners Club global network, included in the 8 complimentary visits each year.
Where can I find the HDFC Diners Club Privilege Credit Card lounge access list?
You can find the lounge access list on the official HDFC Bank website under the Diners Club section. This list covers both domestic and international partner lounges.
What is the HDFC Diners Club Privilege Credit Card eligibility?
Eligibility generally requires a minimum monthly income of ₹40,000 for salaried individuals or ₹6 lakh annually for self-employed people, along with a good credit history according to HDFC Bank’s policy.
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