HDFC Bank Diners Club Privilege Credit Card
HDFC Bank · Diners Club · Mid card
Combines a reachable fee waiver, a recurring weekend movie offer and spend-linked domestic and international airport lounge vouchers.
Moviegoers and moderate travellers who can route enough quarterly spend to unlock lounge vouchers.
Terms checked 13 Sept 2026
- Annual fee
- ₹1,000 + GST
- Joining fee
- ₹1,000 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 5% |
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Travel & hotels | 1% |
| Bills & utilities | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Gold & jewellery | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹3,00,000 annual spending
- Monthly income requirement
- Approx. ₹35,000/month salaried · ₹50,000/month self-employed
Airport lounge access
8 domestic airport lounge visits per year • 4 international airport lounge visits per year
2 domestic airport lounge visits per quarter · SmartBuy voucher
Guest access: Not available
Requires ₹60,000 per Calendar quarter for the following calendar quarter
1 international airport lounge visit per quarter · SmartBuy voucher
Guest access: Not available
Requires ₹60,000 per Calendar quarter for the following calendar quarter
Spend condition: Spend ₹60,000 in the preceding calendar quarter to receive two domestic and one international lounge vouchers.
Movies and entertainment
BookMyShow · Buy one, get one · up to ₹250 · 2 uses/month
Availability: Friday, Saturday and Sunday shows only..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Additional Swiggy and Zomato rewards
Usage-based value16 additional points per ₹200 on eligible online Swiggy and Zomato food-delivery orders, capped at 2,500 additional points per calendar month.
Conditions: 16 additional points per ₹200 on eligible online Swiggy and Zomato food-delivery orders, capped at 2,500 additional points per calendar month.
Base rewards
Usage-based value4 reward points per ₹200 on eligible retail purchases; these base points continue after an accelerated-points cap is reached.
Up to 10X points on eligible SmartBuy purchases; merchant-specific multipliers and caps apply, so the generic maximum is not included in recommendation value
Shown without a cash valueFour reward points per ₹200 on eligible spend and 20 per ₹200 on Swiggy and Zomato
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,000₹1,000 annual fee before applicable tax.
Joining fee
Cost ₹1,000₹1,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,000Annual fee may be waived after ₹3,00,000 of eligible annual spending.
Conditions: Reach ₹3,00,000 eligible annual spending
Welcome benefits · 1 item
Swiggy One and Times Prime annual memberships
Shown without a cash valueComplimentary memberships after the introductory spend target.
Conditions: Spend ₹75,000 in the first 90 days · Partner activation and validity terms apply
Spend milestones · 1 item
₹1,500 quarterly voucher at ₹1.5 lakh
Recorded value ₹1,500Unlocked after ₹1,50,000 of eligible spending.
Conditions: Reach ₹1,50,000 per calendar quarter
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through SmartBuy voucher. Guest access: not available.
Conditions: Spend ₹60,000 per calendar quarter
International lounge access
Usage-based value1 visit per quarter through SmartBuy voucher. Guest access: not available.
Conditions: Spend ₹60,000 per calendar quarter
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹6,000Buy one, get one offer up to ₹250, 2 times per month. Friday, Saturday and Sunday shows only.
Dining · 2 items
Extra 10% off participating Dineout bills
Shown without a cash valueGood Food Trail restaurant discounts
Shown without a cash value
Insurance and protection · 4 items
Air-accident cover of USD 125,000
Shown without a cash valueEmergency overseas hospitalization cover of USD 31,250
Shown without a cash valueBaggage-delay cover up to USD 625
Shown without a cash valueCredit-liability cover up to ₹9 lakh
Shown without a cash value
Memberships · 1 item
Swiggy One and Times Prime annual memberships after ₹75,000 spend in the first 90 days
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹35,000. Self-employed threshold derives from the published annual ITR above ₹6 lakh.
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ Four reward points per ₹200 on eligible spend and 20 per ₹200 on Swiggy and Zomato
- ✓ ₹1,500 voucher each quarter after ₹1.5 lakh of quarterly spend
- ✓ Two domestic and one international lounge vouchers per quarter after ₹60,000 preceding-quarter spend
- ✓ Weekend BookMyShow buy-one-get-one up to ₹250 twice monthly
What to watch
The movie benefit applies only to weekend shows. From July 2026 lounge vouchers require ₹60,000 in the preceding quarter, and Diners Club acceptance can be narrower than Visa or Mastercard.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Cash withdrawal · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Mixed impact
Lounge access moved to quarterly vouchers
HDFC Bank introduced the current spend-linked domestic and international lounge voucher package.
- Before
- The prior Diners Club Privilege lounge programme applied.
- After
- ₹60,000 preceding-quarter eligible spend unlocks two domestic and one international voucher in the next quarter.
Checked 21 Sept 2026HDFC Diners Club Privilege lounge revision ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 Jul 2026