Key features
- Diners Club network premium card focused on dining and online travel rewards
- Base earn of 4 reward points per ₹200 (2 points per ₹100), revised down from 4 per ₹150 on 15 May 2026
- 5X reward points on Swiggy and Zomato food orders
- Up to 10X reward points on flight and hotel bookings via HDFC SmartBuy, subject to monthly caps
- Reward point value of ₹0.50 on SmartBuy flights and hotels, ₹0.35 in the product catalogue, ₹0.20 against statement credit
- Complimentary one-year Times Prime and Swiggy One memberships on activation (₹75,000 spend within 90 days)
- ₹1,500 quarterly milestone voucher on ₹1,50,000 of spends
- Spend-gated lounge access from 1 July 2026: ₹60,000 prior-quarter spend for 2 domestic and 1 international visits per quarter
- ₹1,000 plus GST joining and annual fee, waived on ₹3,00,000 of annual spends
- Dynamic currency conversion markup raised to 1.75% on 15 May 2026
Rewards
| Category | Rate | Detail |
|---|---|---|
| HDFC SmartBuy | 20× | Up to 10X reward points on flight and hotel bookings via HDFC SmartBuy, subject to monthly caps |
| Swiggy & Zomato | 10× | 5X reward points on Swiggy and Zomato food orders |
| Default earn rate | 2× | All other eligible retail spends |
| Welcome bonus: Complimentary one-year Times Prime and Swiggy One memberships on activation (spend ₹75,000 within 90 days of card issuance) | ||
Fees
| Joining fee | ₹1,000 |
| Annual feeRenewal fee waived on ₹3,00,000 of spends in the preceding year | ₹1,000 |
Lounge access
Eligibility
Frequently asked questions
What changed on the HDFC Diners Club Privilege in 2026?
From 15 May 2026 the base reward rate was cut to 4 points per ₹200, the dynamic currency conversion markup rose to 1.75%, and the reissuance fee went to ₹199. From 1 July 2026 lounge access becomes spend-gated, requiring ₹60,000 of spend in the preceding quarter to qualify for 2 domestic and 1 international visits the next quarter.
Is the ₹1,000 fee on the Diners Club Privilege worth it?
For a regular Swiggy, Zomato, and SmartBuy user, yes. The activation memberships, a year each of Times Prime and Swiggy One, exceed the fee in value on their own, and the fee itself is waived on ₹3 lakh of annual spend. For a low or evenly-spread spender, the value is harder to find.
How do I activate the Times Prime and Swiggy One memberships?
Spend ₹75,000 within 90 days of card issuance. Meeting that activation threshold activates the complimentary one-year Times Prime and Swiggy One memberships.
What is the reward point value on the card?
1 reward point is worth ₹0.50 when redeemed for flights and hotels on HDFC SmartBuy, ₹0.35 in the product catalogue, and ₹0.20 against statement credit. SmartBuy redemption gives the best value.
Ready to apply for the HDFC Bank Diners Club Privilege Credit Card?
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