INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Diners Club / DiscoverTravel & Aviation CardsLast Verified: 2026-09-28

HDFC Diners Club Privilege Credit Card

एचडीएफसी डाइनर्स क्लब प्रिविलेज क्रेडिट कार्ड

Mid-premium lifestyle credit card offering 8 domestic & global lounge visits, BookMyShow B1G1 tickets up to ₹250 twice a month, and 2.0% forex markup.

Annual Fee₹2,500 + GST (Renewal: ₹2,500 + GST)

Reward Rate4 Reward Points per ₹150 spent on regular retail purchases. Up to 5X Reward Points (up to 13.3% return) on SmartBuy flight and hotel bookings.

Airport Lounge2 complimentary domestic and international airport lounge visits per calendar quarter worldwide via Diners Club network (up to 8 complimentary lounge visits annually).

Forex Markup2.00% + GST markup on foreign currency transactions.

What Is This Card

HDFC Diners Club Privilege bridges mid-tier cards and super-premium cards. Designed for upwardly mobile professionals who value weekend entertainment, dining out, and occasional domestic travel, it bundles BookMyShow B1G1 tickets, 8 lounge visits worldwide, and a 2.0% forex markup.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,500 + GST (Renewal: ₹2,500 + GST)

Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,500 waived.

🎁Welcome Benefit

Complimentary annual memberships to Amazon Prime, Swiggy One, and Times Prime on spending ₹75,000 within the first 90 days of card issuance.

⚡Reward Points Structure

4 Reward Points per ₹150 spent on regular retail purchases. Up to 5X Reward Points (up to 13.3% return) on SmartBuy flight and hotel bookings.

Redemption Value: 1 Reward Point = up to ₹0.50 on flight and hotel bookings via SmartBuy. 1 RP = ₹0.20 against cash statement balance.

🛫Airport & Railway Lounge Access

2 complimentary domestic and international airport lounge visits per calendar quarter worldwide via Diners Club network (up to 8 complimentary lounge visits annually).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to ₹15 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver across all petrol pumps in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: BookMyShow Buy 1 Get 1 free movie/event ticket discount up to ₹250 twice every calendar month. Annual fee waiver on ₹3 Lakhs spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Diners Club offline POS acceptance in tier-2/3 cities is occasionally limited. Welcome annual memberships require spending ₹75,000 in 90 days. Reward points expire in 2 years compared to 3 years on DCB.

Forex Markup Fee2.00% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet loads, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹70,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹8,40,000.

Age Requirement21 to 60 Years

Minimum Income₹70,000/month (Salaried) / ₹8,40,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 740+ is recommended.

SBI RelationshipNot mandatory. Open to all qualifying applicants.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit hdfcbank.com or access HDFC NetBanking credit card portal.

2Enter PAN and mobile number for soft credit eligibility check.

3Select HDFC Diners Club Privilege Card.

4Fill employment details, designation, and monthly income.

5Undertake scheduled Video KYC session with bank official.

6Physical card dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch by submitting PAN, Aadhaar, salary slip, and latest bank statements.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (mandatory)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips and 6 months' bank statements OR Latest ITR with computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Diners Club Privilege Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Diners Club Privilege Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Diners Club Privilege Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = up to ₹0.50 on flight and hotel bookings via SmartBuy. 1 RP = ₹0.20 against cash statement balance. Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on HDFC Diners Club Privilege Credit Card and how does it work?

The interest-free period on HDFC Diners Club Privilege Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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