HDFC Diners Club Privilege card
🇮🇳 India · HDFC Bank

HDFC Diners Club Privilege

Food delivery regulars who want 5x points on Swiggy and Zomato.

4.1 / 5
Joining fee
₹1,000
Annual fee
₹1,000
Top reward
1%
Min income
₹4,20,000

External link to HDFC Bank’s own application page.

The HDFC Diners Club Privilege costs ₹1,000 a year, waived at ₹3,00,000 annual spend. It earns 1% on all spends. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much HDFC Diners Club Privilege actually pays you over time, net of annual fees.

₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹6,000
Annual fee₹0 (waived ✓)
Cumulative net value
+₹30,000
over 5 years
Year 1
₹6,000
+₹6,000/yr
Year 2
₹12,000
+₹6,000/yr
Year 3
₹18,000
+₹6,000/yr
Year 4
₹24,000
+₹6,000/yr
Year 5
₹30,000
+₹6,000/yr
Year 1 (with bonus)
₹6,000
Year 2+ (steady state)
₹6,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the HDFC Diners Club Privilege earn?

What you earn back, by category.

Everything else
1%
📈

What do you get with the HDFC Diners Club Privilege?

  • 4 reward points per ₹200 spent
  • 5x reward points on Swiggy and Zomato (extra points capped at 2,500 a month)
  • 1 point = ₹0.50 on SmartBuy flights and hotels, ₹0.20 as cashback
  • Renewal fee waived on ₹3,00,000 spend in a year
  • Foreign currency markup 3.5%

Who qualifies for the HDFC Diners Club Privilege?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹4,20,000
Self-employed
Eligible

What people say about the HDFC Diners Club Privilege

Real answers from readers. No login, and nothing here affects our scores.

HDFC Diners Club Privilege FAQ

›What is the HDFC Diners Club Privilege annual fee?

The annual fee is ₹1,000. It is waived if you spend ₹3,00,000 in a year.

›What does the HDFC Diners Club Privilege earn?

It earns 1% on all spends.

›What is the HDFC Diners Club Privilege forex markup?

The HDFC Diners Club Privilege charges 3.5% forex markup on foreign-currency spends.

›What income do you need for the HDFC Diners Club Privilege?

The stated minimum income is ₹4,20,000 a year. Banks treat this as a guideline, not a hard cutoff.

›Are these HDFC Diners Club Privilege figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.