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HDFC Bank Diners Club Privilege Credit Card
HDFC • Diners Club

HDFC Bank Diners Club Privilege Credit Card

Earn accelerated Reward Points on SmartBuy travel and weekend dining while retaining lounge coverage.

Annual Fee₹2500Waived on INR 3L annual spend
Base Reward1.0%On all spends
Lounge Access1612 domestic • 4 intl
Est. Annual Savings₹1,634Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on INR 3L annual spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹3,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.3%
Dining
2.0%
Shopping
1.5%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • HDFC Bank Diners Club Privilege Credit Card is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 3.3% on travel-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 2,500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹2,500
  • Annual fee₹2,500
  • Waiver threshold₹3,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkDiners Club
  • Domestic count12
  • International count4
  • Quarterly limitNot listed
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports21
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HDFC Regalia Gold

Annual fee: ₹2500

Shared focus: Travel, Lifestyle+17 more lounge visits in current datasetHigher top earn rate (6.5%)
View Details
Step 2

HDFC Millennia

Annual fee: ₹1000

Shared focus: Lifestyle, Dining+3 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details
Step 3

Tata Neu Infinity

Annual fee: ₹1499

Shared focus: Travel+1 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Bank Diners Club Privilege Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Review current spend trigger and eligible lounge list before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Validate latest card-level eligibility, add-on card access, and any visit controls in current HDFC terms.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

Blr Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

Chennai

3 lounges • 2 domestic • 1 international

3
Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Mumbai

3 lounges • 2 domestic • 1 international

3
Loyalty LoungeInternational

MUM • Mumbai Airport • Terminal 2

Oasis LoungeDomestic

MUM • Mumbai Airport • Terminal 1b

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 2

Encalm LoungeInternational

NEW • New Delhi Airport • Terminal 3

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Pune

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

PUN • Pune Airport • Terminal 1

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Domestic and international lounge access under Diners Club programs
  • Accelerated rewards on SmartBuy flights and hotels
  • Milestone benefits on higher annual spend
  • Fuel surcharge waiver at eligible fuel stations

Things to Consider

  • Diners acceptance can be lower than Visa or MasterCard
  • Fee waiver threshold may be high for moderate spenders

About HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Diners Club Privilege Credit Card is a points card from HDFC, best for frequent travelers who want a mid-premium diners card. It is tagged under travel, lifestyle, dining, premium categories in our database.

TravelLifestyleDiningPremium

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Frequently asked questions

Is HDFC Bank Diners Club Privilege Credit Card lifetime free?

It has an annual fee of ₹2500. Waived on INR 3L annual spend

What rewards does HDFC Bank Diners Club Privilege Credit Card offer?

Earn accelerated Reward Points on SmartBuy travel and weekend dining while retaining lounge coverage.

Does HDFC Bank Diners Club Privilege Credit Card include lounge access?

HDFC Bank Diners Club Privilege Credit Card lists 16 lounge visits (12 domestic, 4 international).

Who should consider HDFC Bank Diners Club Privilege Credit Card?

Frequent travelers who want a mid-premium Diners card

Where can I apply for HDFC Bank Diners Club Privilege Credit Card?

Check the issuer website for application availability.