M16S / HDFC Bank / HDFC Diners Club Privilege Credit Card
mid · rewards, travel
HDFC Diners Club Privilege Credit Card
The HDFC Diners Club Privilege Credit Card costs Rs 1,000 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1% (4 RP per Rs 200 on retail spends). Accelerated earn: 5X on Swiggy and Zomato online food orders (20 RP per Rs 200); up to 10X on SmartBuy. The forex markup is 3.5%. Lounge visits in India: 2 lounge vouchers per calendar quarter. Abroad: 1 lounge voucher per calendar quarter. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 1,000+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- HDFC Bank Diners Club Privilege ties lounge access to Rs 60,000 quarterly spend, Jul 2026
From the calendar quarter starting 1 Jul 2026, 2 domestic and 1 international lounge visits per quarter are available as vouchers on spends of Rs 60,000 or more in the preceding quarter. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank Diners Club Privilege earns 4 points per Rs 200, May 2026
From 15 May 2026 Diners Club Privilege earns 4 Reward Points for every Rs 200 spent on eligible categories. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank Diners Club Privilege sets card re-issue fee at Rs 199, May 2026
From 15 May 2026 the re-issuance fee for a lost, stolen or damaged Diners Club Privilege card is Rs 199. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps insurance reward points per month from Jul 2025
Reward Points on insurance transactions are capped at 10,000 a month for Infinia and Infinia (Metal Edition), 5,000 a month for Diners Black Metal Edition and Diners Black, and 2,000 a month for all other credit cards. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps utility and telecom Reward Points at 2,000 a month, Sep 2024
From 1 Sep 2024 Reward Points earned on utility transactions are capped at 2,000 per calendar month, and Reward Points earned on telecom transactions are capped at 2,000 per calendar month. Millennia, UPI, Swiggy, Paytm and a few other cards keep their own product feature caps. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on education paid via third party apps, Sep 2024
From 1 Sep 2024 education payments made through third party apps such as CRED, Cheq and MobiKwik earn no Reward Points, and points already earned there are reversed. Payments made directly to schools and colleges are not covered by this line. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 1,000 |
|---|---|
| Annual fee | Rs 1,000 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Joining/renewal Rs 1,000 + taxes. Renewal fee waived on Rs 3 lakh spend in the year before renewal (product page). |
Rewards
| Welcome benefit | Complimentary annual Swiggy One and Times Prime memberships on Rs 75,000 spend within 90 days of issuance |
|---|---|
| Reward currency | Reward Points |
| Base earn | 4 RP per Rs 200 on retail spends |
| Base return | 1% |
| Point value | 1 RP = Rs 0.50 on SmartBuy flights/hotels; Rs 0.50 at select restaurants; up to Rs 0.35 exclusive catalogue; up to Rs 0.20 cashback |
| Accelerated earn | 5X on Swiggy and Zomato online food orders (20 RP per Rs 200); up to 10X on SmartBuy |
| Caps | Additional 4X on Swiggy/Zomato capped at 2,500 RP per calendar month (product page). Max 50,000 RP per statement cycle; grocery 2,000, utility 2,000, telecom 2,000, insurance 2,000 RP/month (MITC) |
| Spends that earn nothing | No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC) |
| Points expiry | 2 years |
| Milestone benefits | Rs 1,500 voucher (Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Domino's) on Rs 1.5 lakh spend per quarter |
| Reward notes | Redemption fee Rs 99 + GST (MITC). base_return_pct = 4 RP per Rs 200 x Rs 0.50 (SmartBuy flights/hotels) = 1.0%; both figures from the product page. |
Transfers
| Partnersunverified | Singapore KrisFlyer |
|---|---|
| Ratiounverified | 2 RP : 1 KrisFlyer mile; no other partners (enthusiast guide dated Jun-Sep 2026) |
Travel and perks
| Domestic lounge | 2 lounge vouchers per calendar quarter |
|---|---|
| International lounge | 1 lounge voucher per calendar quarter |
| Lounge conditions | From 1 Jul 2026: 3 vouchers a calendar quarter (2 domestic + 1 international) on Rs 60,000 eligible spend in the previous calendar quarter |
| Forex markup | 3.5% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebies | BookMyShow buy-1-get-1 on Friday-Sunday shows (max Rs 250 per ticket, 2 free tickets per calendar month); extra 10% off on Swiggy Dineout bills; air accident cover $125,000; emergency overseas hospitalisation $31,250; baggage delay up to $625; credit liability cover Rs 9 lakh |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, net monthly salary Rs 35,000. Self-employed: age 21-65, ITR above Rs 6 lakh a year |
| Fine-print notes | Diners acceptance is narrower than Visa/Mastercard. Lounge access is spend-gated (Rs 60,000 in the previous quarter) and voucher-based. HDFC's lifestyle category page (fetched 2026-10-12) lists this card at Rs 2,500 + taxes annual fee, against Rs 1,000 on the product page; the product page is used. Product page read 2026-10-12; transfer partners are not on it. Conflicts with earlier data (issuer page used): lounge_international: HDFC listing page said 8 lounge visits worldwide a year in total and the aggregator 1 international per quarter; product page says 2 domestic + 1 international vouchers per quarter, i.e. up to 12 a year, spend-gated | other_freebies: earlier data (HDFC listing) said air accident cover Rs 1 crore; product page says $125,000 | point_value: earlier aggregator data listed 0.5 airmile per RP; the product page lists no airmile rate (see transfer_ratio). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Diners Club Privilege Credit Card?
- Rs 1,000 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the HDFC Diners Club Privilege Credit Card give airport lounge access?
- Yes. In India: 2 lounge vouchers per calendar quarter. Outside India: 1 lounge voucher per calendar quarter. Conditions: From 1 Jul 2026: 3 vouchers a calendar quarter (2 domestic + 1 international) on Rs 60,000 eligible spend in the previous calendar quarter
- What is the forex markup on the HDFC Diners Club Privilege Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Diners Club Privilege Credit Card?
- No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel (MITC)