HDFC Bank Diners Club Privilege Credit Card
HDFC Bank
Last verified: 24 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Swiggy and Zomato online food delivery | 5% | ₹2,500/monthly |
Shopping and vouchers on SmartBuy | 10% | ₹4,000/monthly |
HDFC SmartBuy - flight bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input flights) | 5% | ₹2,000/monthly |
HDFC SmartBuy - hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input hotels) | 10% | ₹2,000/monthly |
| All other spends | 1% | No cap |
Redemption fee: 99
Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
Live Offers
321 activeTJHDFC15Till 31 DecBenefits
Lounge Access
3 domestic visits/quarter
0 international visits/quarter
3 lounge-access vouchers in a calendar quarter, conditional on ₹60,000 of eligible spend in the PREVIOUS calendar quarter. The 3 comprise 2 domestic vouchers and 1 international voucher.
Fuel Surcharge Waiver
Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.
Welcome Benefit
Complimentary annual Swiggy One and Times Prime memberships
Earned on spending ₹75,000 within the first 90 days of card issuance.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹1,000/yr |
| Renewal Fee | ₹1,000/yr |
| Fee Waiver | Spend ₹3,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
