HDFC Bank Diners Club Privilege Credit Card – Benefits, Fees & Eligibility

HDFC Bank Diners Club Privilege Credit Card

Introduction

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide. Other key advantages include a spend-based annual fee waiver and comprehensive insurance coverage.

Welcome Benefits

• Avail Complimentary Annual memberships of Swiggy One and Times Prime on spending Rs 75,000 within the first 90 days of card issuance.
• The benefits are unlocked within 48 hours of achieving the target spend.
• Easily track your milestone spends and redeem benefits by visiting offers.smartbuy.hdfcbank.com/diners >> Click on 'Diners Club Benefits' tab >> Select 'Diners Club Privilege Milestones' >> Check Welcome Benefits.

Fees

• Joining Fee: ₹1,000 + Applicable Taxes (revised fees effective from 13th November 2024 onwards).
• Renewal Fee: ₹1,000 + Applicable Taxes (revised fees effective from 13th November 2024 onwards).
• Spend-Based Waiver: The renewal fee is waived for the next year on spends of Rs. 3 Lakhs in the card anniversary year.
• Rewards Redemption Fee: Rs 99 per redemption request (plus applicable taxes).
• Foreign Currency Markup: A nominal 3.5% on all your foreign currency spends. These charges are billed on your subsequent statement within 60 days from the date of visit, and the currency conversion rate is applicable as on the date of settlement.
• Interest Rates: 3.75% Per Month (equivalent to 45% Per Annum).
• Fuel Surcharge: Not applicable.
• Cash Advance Charges: 2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
• Revolving Credit: Available at a nominal interest rate.

Rewards

• General Spends:
  • Earn 4 Reward Points on every Rs.150 retail spends.
  • Earn up to 10X Reward Points on Spends Via Smartbuy.
• Dining & Entertainment:
  • 'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow. The offer is applicable for shows on Friday, Saturday and Sunday (irrespective of booking day). Maximum discount is Rs. 250/ticket, and you can avail up to 2 free tickets every calendar month.
  • Earn 5X Reward Points (20 Reward Points) on every Rs 150 spent on Swiggy and Zomato.
  • The additional 4X Reward Points (16 RPs per ₹150 spent) on Swiggy and Zomato are capped at 2500 Reward Points every calendar month.
  • A minimum transaction of ₹150 is required to be eligible for reward points on Swiggy and Zomato.
  • Good Food Trail Program (HDFC Bank x Swiggy Dineout): Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants when paying with your HDFC Bank Credit Card.
  • Exclusive dining offers are available as part of Diners Exclusive Offers.
• Travel:
  • You receive 2 Complimentary Airport lounge accesses every calendar quarter worldwide, totaling 8 visits per calendar year. This benefit is available for both primary and add-on cardholders.
  • Get up to 10X Rewards on booking flight tickets and stays across 150+ hotels (Domestic & International) at offers.smartbuy.hdfcbank.com/diners.
  • Fast Track Airport Experience: Skip the line for check-in and receive baggage assistance as a Diners Exclusive Offer.
• Milestone Benefits:
  • Avail ₹1,500 worth vouchers from Marriott Experience, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon on spends of Rs. 1.5 lakhs in a calendar quarter.
  • Benefits are unlocked within 48 hours of achieving the target spend amount, and the cardholder can download the voucher.
  • Easily track your milestone spends and redeem benefits by visiting offers.smartbuy.hdfcbank.com/diners >> Click on 'Diners Club Benefits' tab >> Select 'Diners Club Privilege Milestones' >> Check Quarterly Benefits.
• Insurance Benefits:
  • Air accident insurance cover worth ₹1 Crore ($125,000).
  • Emergency overseas hospitalization cover up to ₹25 Lakhs ($31,250).
  • Travel Insurance Cover of up to ₹50,000 (up to 625) on baggage delay, capped to 10 per hour and restricted to 8 hours.
  • Credit Liability Cover of up to ₹9 Lakh.
• Other Reward Information:
  • A maximum of 2,000 Reward Points can be earned for insurance, telecom, and utility spends per day.
  • A maximum of 50,000 Reward Points can be earned with the Diners Club Privilege Credit Card in a statement cycle.
  • No reward points are issued on e-wallet loading transactions.
  • No reward points are issued on fuel transactions.

Rewards Redemption Guide

• You can redeem your Reward Points on Smartbuy or NetBanking.
• Reward Point Redemption Values:
  • Flights and hotel bookings via Smartbuy: 1 Reward Point = Rs 0.5. A maximum limit of 70% of the booking value applies for hotel and flight bookings using reward points.
  • Exclusive Privilege Dining Catalogue on select Restaurants via Smartbuy: 1 Reward Point = Rs 0.50.
  • Exclusive reward redemption catalogue: 1 Reward Point up to Rs 0.35.
  • Cashback: 1 Reward Point = Rs 0.20.
  • Air miles (via Net Banking): 1 Reward Point = 0.5 Air mile.
• How to Redeem for Exclusive Dining Catalogue: Visit offers.smartbuy.hdfcbank.com/diners >> Click on 'Diners Club Benefits' tab >> Select ‘Exclusive Dining Catalogue'.
• Reward points accumulated are valid for 2 years for redemption.

Card Eligibility Criteria

• For Salaried Indian National:
  • Age: Minimum 21 years & Maximum 60 Years.
  • Net Monthly Income: > Rs 35,000.
• For Self Employed Indian National:
  • Age: Minimum 21 years & Maximum 65 Years.
  • Income: ITR > Rs 6 Lakhs per annum.

Card Review

The HDFC Bank Diners Club Privilege Credit Card is a strong option for individuals seeking a card with a reasonable annual fee and exclusive reward offers and benefits across dining, lifestyle, and travel. It is well-suited for those who appreciate a premium lifestyle and want to maximize benefits on online spending and travel. The card offers attractive welcome benefits, including Swiggy One and Times Prime memberships, accelerated reward points on popular categories like Swiggy and Zomato, and significant bonus points on SmartBuy spends. Despite recent changes, such as revised annual charges, it remains a competitive offering for its reward rate and lifestyle perks.

Pros

• Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.
• Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Cons

• The welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.
• There is no direct cashback on online spends and the annual fee is relatively higher compared to some similar card variants.

Important Product Details

• Complimentary Annual memberships of Swiggy One and Times Prime as a welcome benefit, on spending Rs 75,000 within the first 90 days.
• Earn 4 Reward Points on every Rs 150 spent on retail, and up to 10x Reward Points on Smartbuy spends.
• Accelerated 5x Reward Points on Swiggy and Zomato spends (additional 4X RP capped at 2500 per month).
• 8 Complimentary Airport Lounge visits both in India and abroad per year (2 per calendar quarter), available for primary and add-on cardholders.
• Insurance Cover worth up to Rs 1 crore in case of an Air Accident.
• 'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (maximum discount Rs. 250/ticket, up to 2 free tickets per calendar month).
• Milestone benefit of ₹1,500 worth vouchers (Marriott, Decathlon, Barbeque Nation, O2 Spa, Lakme Salon) on quarterly spends of Rs. 1.5 lakhs.
• Renewal Fee waiver for the next year on spending Rs. 3 Lakhs in the card anniversary year.
• Interest Free Credit Period: Up to 50 days from the date of purchase.
• Credit Liability Cover: Rs. 9 lakh.
• Foreign Currency Markup: 3.5%.

Other Details

• Interest Free Credit Period: Up to 50 days from the date of purchase, subject to the submission of the charge by the Merchant.
• Revolving Credit: Available at a nominal interest rate on your HDFC Bank Diners Club Privilege Credit Card.
• Smart EMI: HDFC Bank Diners Club Privilege Credit Card comes with an option to convert your big spends into EMI after purchase.
• Contactless Payment: The HDFC Bank Diners Club Privilege Credit Card is enabled for contactless payments on HDFC Bank POS machines, facilitating fast, convenient and secure payments at retail outlets. For payments in India, a maximum of ₹5000 is allowed for a single contactless transaction without the need for a Credit Card PIN. If the amount is higher than or equal to ₹5000, the Card holder must enter the Credit Card PIN for security reasons.
• Diners Exclusive Offers:
  • Fast Track Airport Experience: Skip the line for check-in and receive baggage assistance.
  • Luxury Spas: Access to some of the finest spas within India at special rates.
  • Small Medium Enterprise (SME): Tailor-made offers such as workspaces, business insurance, and wellness discounts to meet business needs.
• Customer Care:
  • HDFC Phone Banking: For any queries, call 1800 1600 / 1800 2600 (from 8 a.m. to 8 p.m.).
  • Customers travelling overseas can reach HDFC Bank at 022-61606160.
  • Smartbuy Concierge: Simply call on 1860 425 1188.
• Application Process:
  • Online: You can apply online by clicking on 'Apply Now', filling in the digital application form, and submitting your application.
  • Offline: To apply offline, you can visit the HDFC Bank branch nearest to you and fill in the offline application form. Ensure you carry all necessary documents, including Identity Proof, address proof, and income proof.