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Maximise rewards with the HDFC Bank Diners Club Privilege Credit Card, offering up 10x reward points on dining, travel and lifestyle spends, airport lounge access and entertainment benefits
Last updated on: Aug 24, 2026
Key Highlights of the HDFC Bank Diners Club Privilege Credit Card
The HDFC Bank Diners Club Privilege Credit Card is a well-balanced premium card designed for salaried professionals, frequent travellers and diners, who want strong rewards, travel comfort, and lifestyle privileges.
Here are the key highlights of the HDFC Bank Diners Club privilege card, explained below:
| Feature | Details |
|---|---|
Joining Fee |
₹1,000 plus applicable taxes, charged at the time of card issuance. |
Annual Fee |
₹1,000 plus applicable taxes. The annual fee is waived if you spend ₹3 Lakhs or more in the previous year. |
Ideal For |
Salaried professionals and regular spenders who want a mid-premium credit card with good rewards, dining privileges, and airport lounge access. |
Key Feature |
Earn reward points on everyday spends along with complimentary airport lounge access in India and select international locations. |
Welcome Bonus |
Membership vouchers as welcome benefit, |
Earn 4 reward points for every ₹200 spent on eligible transactions. Points can be redeemed for flights, hotels, vouchers, and more, making it ideal for regular spenders on shopping, dining, and travel.
Earn 5X reward points on every Rs. 200 spent on Swiggy & Zomato Online food orders
Up to 10X Reward points on hotel bookings, flight bookings and vouchers via SmartBuy
3 Airport lounge access vouchers every quarter on spending ₹60,000 in previous calendar quarter (enjoy 2 domestic lounges and 1international lounge). Relax with free seating, food, and Wi-Fi, perfect for frequent travellers on business or leisure trips.
Get exclusive dining discounts of 10% on Swiggy Dineout at participating restaurants
Earn 5X reward points on every Rs. 200 spent on Swiggy & Zomato Online food orders
Up to 10X Reward points on hotel bookings, flight bookings and vouchers via SmartBuy
Welcome Benefit
SwiggyOne & TimesPrime Membership on spends of Rs, 75,000 in the first 90 days of opening the card.
Quarterly Benefit
Rs. 1500 worth of voucher of top brands like Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon, McDonalds or Dominos on quarterly milestone spend of Rs. 1.5 Lakhs
The HDFC Bank Diners Club Privilege Credit Card comes with a rewards programme that is especially attractive for everyday lifestyle spends, particularly online food ordering. The programme is designed to help you earn faster rewards on popular platforms, while keeping the rules simple and transparent.
Below is a clear explanation of how the rewards programme works:
Accelerated 5X rewards on Swiggy and Zomato allow you to earn extra points on food delivery spends, making your everyday purchases more rewarding.
Below are the key details of how these rewards work:
| Feature | Details |
|---|---|
Reward Points Earned |
20 reward points for every ₹200 spent on Swiggy and Zomato transactions. |
Cap on Accelerated Rewards |
Additional 16 reward points (4X) are capped at 2,500 per calendar month across Swiggy and Zomato transactions combined. |
The table below outlines the key criteria for qualifying for accelerated points, ensuring transparency and clarity in how rewards are earned:
| Condition | Details |
|---|---|
Minimum Transaction Value |
The minimum transaction value to earn reward points is ₹200 . It is calculated on every ₹200 spent. |
Eligibility for Reward Points |
Only successfully settled transactions by Swiggy or Zomato are eligible for reward points. |
Calculation of Reward Points |
Reward points are calculated based on the posting or settlement date within a calendar month. |
Credit of Accelerated Reward Points |
The 4X portion of reward points is credited to your card account in the first week of the following calendar month. |
Transaction Method |
Transactions must be made directly using the HDFC Bank Diners Club Privilege Credit Card; wallet payments are not eligible. |
The table below highlights the criteria for earning rewards based on merchant transactions and the impact of cancellations:
| Condition | Details |
|---|---|
Merchant Eligibility |
Transactions qualify for 5X reward points only if they match the approved merchant category codes (MCCs) or recognised merchant IDs linked to Swiggy and Zomato. |
Impact of Cancellation or Refund |
If a transaction is cancelled or refunded, the related reward points will be adjusted. The points deducted during a reversal may differ from the points earned on the original transaction, depending on when the reversal is posted. |
Combination with Other Offers |
The 5X rewards benefit cannot be combined with other ongoing offers on the card. |
Let’s understand how reward points are earned with a simple example:
Scenario
Let’s say that in one calendar month, a cardholder spends ₹3,000 on Swiggy and ₹3,000 on Zomato, making a total eligible spend of ₹6,000.
The Formula: Total Reward Points = (Total Eligible Spend / 200) * 20
Step-by-step breakdown:
Total Eligible Spend = ₹3,000 + ₹3,000 = ₹6,000
Number of Spending Blocks = ₹6,000 / ₹200 = 30 blocks
Total Points Earned = 30 blocks * 20 points = 600 total reward points
Out of these 600 points, the breakdown works as follows:
Base Reward Points (1X): 4 points per ₹200 are processed as standard (30 blocks * 4 points = 120 points) and credited during the statement cycle.
Accelerated Reward Points (4X): The additional 16 points per ₹200 (30 blocks * 16 points = 480 points) are credited in the first week of the next month. This is well below the bank's maximum monthly cap of 2,500 accelerated points.
The cardholder earns 600 reward points for the month, which can later be redeemed for travel bookings, vouchers, or other rewards through HDFC Bank’s rewards platform.
Below snapshot of the main fees and charges you should know about before applying for the HDFC Bank Diners Club Privilege Credit Card:
| Category | Details |
|---|---|
Joining Fee |
₹1,000 plus applicable taxes, charged at the time of card issuance. |
Annual Fee |
₹1,000 plus applicable taxes. The annual fee is waived if you spend ₹3 Lakhs or more in the previous year. |
Reward Redemption Fee |
₹99 plus applicable taxes per redemption request, charged when redeeming reward points for vouchers, travel, or other options. |
Cash Advance Fee |
2.5% of the withdrawn amount or ₹500 (whichever is higher). Interest is charged from the date of withdrawal. |
Interest Charges |
Up to 3.75% per month (approximately 45 % per annum) on outstanding balances if the full amount due is not paid by the due date. |
Minimum Amount Due |
Usually, 5% of the total outstanding balance plus applicable taxes, fees, and any EMI amounts, as mentioned in the monthly statement. |
Late Payment Fee |
Ranges from ₹100 to ₹1,300 , depending on the total outstanding amount and the delay in payment. |
Foreign Transaction Fee |
Around 3.50 % of the transaction value on international spends, as per HDFC Bank’s prevailing rates. |
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
The eligibility criteria are straightforward and differ slightly for salaried and self-employed applicants. Have a look at the points below for a clear idea:
Applicant Category:
Salaried Applicants: Employed in a private or public organisation
Self-employed Applicants: Business owners, professionals, freelancers, and entrepreneurs
Nationality:
Indian citizen (for both salaried and self-employed applicants)
Age Criteria:
Salaried Applicants: Minimum 21 years and maximum 60 years
Self-employed Applicants: Minimum 21 years and maximum 65 years
Income Requirement:
Salaried Applicants: Net monthly income above ₹35,000
Self-employed Applicants: Annual income above ₹6 Lakhs as per Income Tax Return (ITR)
Income Assessment Method:
Salaried Applicants: Salary slips and/or bank statements
Self-employed Applicants: ITR filings and supporting financial documents
Credit Profile:
Salaried Applicants: Good credit score with a healthy repayment history
Self-employed Applicants: Good credit score with responsible credit behaviour
Documents Required:
While the exact document list may vary based on individual profiles, applicants are usually required to submit:
PAN card for identity and income verification
Address proof, such as Aadhaar card, passport, or utility bill
Income documents, such as salary slips for salaried individuals or ITR for self-employed applicants
Bank statements for the recent months, if requested by the bank
Below are the steps you can follow to apply for the HDFC Bank Diners Club Privilege Credit Card on Bajaj Markets without any hassle:
Click here to navigate to the application page
Enter your mobile number and select your profession from the options provided.
Review the terms and conditions carefully and select the checkboxes once done.
Click ‘NEXT’ to submit the completed form.
Verify your identity by entering the One-Time Password (OTP) sent to your registered mobile number.
Review and confirm your information, such as PAN number, email address, residential PIN code, and income details for accuracy.
Compare the available options and select the HDFC Bank Diners Club Privilege Credit Card.
Click ‘Submit’ to securely complete your credit card application.
If you need help at any stage, HDFC Bank’s customer care team is available on 1800-2600 or 1800-1600, round the clock, including Sundays and bank holidays.
Disclaimer
Reviewer
This credit card is ideal for salaried professionals and self-employed individuals with moderate to high monthly spending. It suits users who want better rewards, airport lounge access, and dining benefits without paying a high annual fee, making it a practical mid-premium credit card.
Cardholders earn reward points on most everyday spends such as shopping, dining, and travel. Additionally, the card offers accelerated rewards on select merchants like Swiggy and Zomato, allowing users to earn points faster on regular lifestyle expenses.Individuals having this card can earn 5X rewards on Zomato, up to 10X on bookings done via SmartBuy, BoGo on BookMyShow, Lounge access, attractive welcome benefits, and milestone benefits for quarterly spends.
Yes, the card offers complimentary access to domestic airport lounges in India and select international lounges. This benefit helps travellers relax comfortably before flights, with access to seating, refreshments, and Wi-Fi, making travel more convenient and stress-free. Cardholders can enjoy 3 Airport lounge access vouchers every quarter on spending ₹60,000 in the previous calendar quarter (2 domestic lounges and 1 international lounge).
The annual fee is ₹1,000 plus applicable taxes. However, this fee can be waived if you spend ₹3 Lakhs or more in the previous year, making the card cost-effective for users who regularly use it for monthly expenses.
When you pay directly using the card on Swiggy or Zomato, you earn 5X reward points on eligible spends. The accelerated portion of these rewards is capped monthly, while base reward points continue without a cap, subject to terms and conditions.
Applicants usually need to submit a PAN card, address proof, and income documents. Salaried individuals may need salary slips, while self-employed applicants typically submit Income Tax Returns. The bank may request additional documents during the verification process.
No, reward points have a defined validity period as per HDFC Bank’s rewards policy. If they are not redeemed within this time, they expire automatically. It is advisable to track your reward balance regularly and plan redemptions in advance.
Yes, the card can be used internationally wherever the Diners Club network is accepted. A foreign currency markup fee applies to international spends, along with applicable taxes, so it is important to factor in these charges while travelling abroad.
You can apply online through authorised digital platforms like Bajaj Markets. The process includes checking eligibility, submitting basic and income details, completing verification, and final approval.
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