HDFC Bank Diners Club Privilege credit card
HDFC Bank× Diners ClubDiners ClubPremium

Diners Club Privilege credit card

Quarterly ₹1,500 vouchers, Swiggy One and Amazon Prime on spend milestones.

59
Personal score59/100● Good fit
Recurring net savings₹6,020/yrafter fee, GST and caps · bills paid in full
First-year value₹3,070no welcome offer, ₹2,950 joining fee
Effective savings rate1.8%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹2,950waiver at ₹3,00,000 spend
Lounge access✈8 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: HDFC Bank – Diners Club Privilege product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹3,419/yrBase rate 1.33% on other spends
Waived₹2,950 fee
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

Where the money comes from

₹6,020/yr · 1.8%
Base rate 1.33% on other spendson ₹2,57,040₹3,419
5X on Swiggy & Zomato (via SmartBuy)on ₹33,600₹2,241
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360
◻︎ ₹1,500 voucher on ₹1.5L quarterly spend · needs ₹1,50,000/quarter

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹6,020/yr is calculated
Diners Club Privilege
+ Reward value on your spendat ₹0.5/Reward Points realistic value
₹5,660
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹2,950 at ₹3,00,000 spend
₹0
= Recurring net savings
₹6,020/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.8%

How the score of 59 is built

weights total 100% · methodology
Net savings rate37/100 × 55%20.6
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety85/100 × 5%4.3

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
2 per quarterdomestic · needs ₹75,000 spend per quarter
Noneinternational

How you get in: Diners Club lounge network · issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via Diners Club lounge network verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via Diners Club lounge network verified
  • ✈T1 Encalm Lounge (T1) Encalm · via Diners Club lounge network verified
  • ✈T2 Encalm Lounge (T2) Encalm · via Diners Club lounge network verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via Diners Club lounge network verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via Diners Club lounge network check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via Diners Club lounge network verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via Diners Club lounge network verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via Diners Club lounge network verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via Diners Club lounge network verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via Diners Club lounge network check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via Diners Club lounge network verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via Diners Club lounge network verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via Diners Club lounge network check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via Diners Club lounge network verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via Diners Club lounge network check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via Diners Club lounge network check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via Diners Club lounge network check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via Diners Club lounge network check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via Diners Club lounge network check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

  1. New feeHDFC Bank

    HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps

    From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.

    Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn1.33%value on eligible spend
⚡ Accelerated6.67% 5X on Swiggy & Zomato
🚫 No rewards onfuelrent
🏷️ Fees₹2,950/yr incl. GSTwaived on ₹3,00,000 spend · joining ₹2,500
🎁 Welcome (year 1)none
🏁 Milestones₹1,500 @ ₹1,50,000/quarter
✈️ Lounge✈2/qtr dom🌏0 intlneeds ₹75,000/quarter · 2 domestic per quarter on ₹75k quarterly spend
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.5/Reward Points ★★★☆☆₹0.50 on SmartBuy flights/hotels; ₹0.30 vouchers.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waiverottinsurance coverSwiggy One + Amazon Prime on ₹1.5L quarterly spend
🪪 EligibilityIncome ₹6L+/yr

At a glance

  • Quarterly vouchers
  • OTT memberships on spend
  • Diners dining discounts
  • Lounge needs ₹75k quarterly spend
  • Diners acceptance
  • 1.33% base

Compare Diners Club Privilege with

Community Q&A on the Diners Club Privilege

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank Diners Club Privilege?

Joining fee ₹2,500 and renewal fee ₹2,500, plus 18% GST (₹2,950 a year). The renewal fee is waived if you spend ₹3,00,000 in the card year.

Does the Diners Club Privilege give airport lounge access?

8 domestic/yr. 2 domestic per quarter on ₹75k quarterly spend. Access needs ₹75,000 spend per quarter.

How much can I save with the Diners Club Privilege?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹6,020 a year, an effective savings rate of 1.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Diners Club Privilege's reward exclusions and caps?

No rewards on fuel, rent. 5X on Swiggy & Zomato (via SmartBuy): capped at ₹1,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Diners Club Privilege lounge access by airport · all HDFC Bank cards · change log.