HDFC Bank Diners Club Privilege Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

The HDFC Bank Diners Club Privilege Credit Card is a premium offering that rewards cardholders with a range of exclusive benefits. To greet new customers, the card presents complimentary memberships to Times Prime and Swiggy One upon spending Rs. 75,000 within the initial 90 days of acquiring the card.

Cardholders earn 4 Reward Points (RPs) for every Rs. 150 spent, with the opportunity to earn up to 10x reward points on SmartBuy transactions. Additionally, there are accelerated 5x RPs on Swiggy and Zomato expenditures, along with Buy One Get One (BOGO) offers on BookMyShow tickets for weekend screenings. These reward points can be later redeemed across various categories, including flight and hotel bookings, products, vouchers, and cash credits, offering great value.

In terms of travel benefits, the card provides complimentary access to over 1,000 lounges worldwide. Furthermore, the card offers several other advantages, such as a spend-based annual fee waiver, fuel surcharge waiver, insurance benefits, and more. For further details about the HDFC Bank Diners Club Privilege Credit Card, continue reading below.

Rewards and Benefits

Earn 5 times (20) reward points for every Rs 150 spent on Swiggy and Zomato. Enjoy a Buy One Get One offer on BookMyShow movie tickets for Friday, Saturday, and Sunday shows.

• Reward Rate:- Get 4 reward points for every Rs 150 spent and up to 10 times reward points on Smartbuy spends.
• Redeem Rewards:- Each reward point equals Rs 0.5, redeemable on the SmartBuy reward portal for flight and hotel bookings. 1 reward point also equals 0.5 air miles.
• Travel Benefits:- Receive 8 complimentary airport lounge accesses worldwide for both primary and add-on cardholders.
• Golf Benefits:- Not applicable.
• Domestic Lounge Access:- Get up to 8 complimentary domestic lounge accesses every year.
• International Lounge Access:– Enjoy up to 8 complimentary international lounge accesses every year.
• Insurance Coverage:- Receive insurance coverage up to Rs 1 crore in case of an air accident and emergency coverage of Rs 25 lakh in case of hospitalization abroad.
• Zero Liability Protection:– Benefit from a protection cover of Rs 9 lakh in case of any reported fraudulent transaction within a stipulated time on the HDFC Diners Club Privilege credit card.

Fees & Charges

• Spend-Based Fee Waiver:- Enjoy a renewal fee waiver by spending over Rs. 3 lakhs in the previous year.
• Rewards Redemption Fee:- A fee of Rs 99 per redemption request (plus applicable taxes) is applicable.
• Foreign Currency Markup:- A foreign currency markup of 1.99% of the conversion amount (plus applicable taxes) applies.
• Interest Rates:- The card carries an interest rate of 3.6% per month (43.2% per annum).
• Fuel Surcharge:- Get a 1% fuel surcharge waiver on fuel transactions at all fuel stations, up to a maximum waiver of Rs 500 per statement cycle.
• Cash Advance Charges:- Cash advances incur a charge of 2.5% of the withdrawal amount, with a minimum charge of Rs 500.
• Add-on Card Fee:- No fee is charged for add-on cards.

Product Details

• Enjoy a complimentary membership of Swiggy One and Times Prime as a welcome benefit with your HDFC Bank Diners Club Privilege Credit Card.
• Earn 4 Reward Points for every Rs 150 spent, and up to 10 times Reward Points on SmartBuy spends.
• Accelerate your rewards with 5 times Reward Points on your Swiggy and Zomato spends.
• Access 8 complimentary lounge visits in India and abroad.
• Benefit from low foreign markup charges of 1.99%.
• Receive insurance cover worth up to Rs 1 crore in case of an air accident.

The HDFC Bank Diners Club Privilege Credit Card offers a plethora of benefits across various categories, including shopping, rewards, travel, and more. Here’s a detailed look at all its features:

Welcome Benefits:

Upon spending Rs. 75,000 or more within 90 days of card issuance, cardholders receive a complimentary annual membership of Swiggy One and Times Prime. Benefits are unlocked within 48 hours of reaching the spend target.

Rewards:

Earn 4 reward points for every Rs. 150 spent on retail purchases. Enjoy up to 10 times reward points on purchases made through the SmartBuy portal. Receive 5 times (20) reward points per Rs. 150 spent on Swiggy and Zomato, with bonus points capped at 2500 per month. Earn a maximum of 2000 reward points per transaction on insurance spending.

Reward Redemption:

Redeem reward points at the SmartBuy reward portal for flight bookings and hotel stays. 1 reward point equals Rs. 0.5 when redeemed on the SmartBuy reward portal using the HDFC Bank Diners Club Privilege Credit Card. Redeem reward points via net banking for Air miles, where 1 reward point equals 0.5 Air mile. Access an exclusive product catalog for reward redemption for the HDFC Diners Club Privilege Credit Card, where 1 reward point equals Rs. 0.35. Redeem reward points for cash at a rate of 1 reward point to Re. 0.20. The maximum redemption limit for hotel and flight bookings using reward points is capped at 70% of the booking value.

Milestone Benefits:

Upon achieving retail spends of Rs. 1,50,000 or more per calendar quarter, cardholders can choose a Rs. 1500 voucher from Marriott, O2 Spa, Lakme Salon, Barbeque Nation, or Decathlon. The benefit is unlocked within 48 hours of achieving the target spend, and the voucher can be downloaded by the cardholder.

Dining Benefits:

Earn 5 times (20) reward points per Rs. 150 spent on Swiggy and Zomato. There is a cap of 2500 reward points per month on the accelerated 4 times reward points, while there is no cap on the regular rate of 4 reward points per Rs. 150 spent on Swiggy and Zomato. A minimum transaction of Rs. 150 is required to be eligible for the reward points.

Airport Lounge Access:

Enjoy 8 complimentary lounge visits at 1000+ lounges worldwide in a calendar year with the HDFC Bank Diners Club Privilege Credit Card (2 visits per quarter). Lounge access is available to both primary and add-on cardholders. Cardholders must spend Rs. 15,000 in the previous quarter to unlock the complimentary lounge access.

Fuel Surcharge Waiver:

Enjoy a waiver of the 1% fuel surcharge on all fuel transactions of Rs. 400 and above. The maximum fuel surcharge waiver is capped at Rs. 500 per calendar month.

Spend-Based Renewal Fee Waiver:

The renewal fee of Rs. 2,500 is waived if you spend Rs. 3 lakhs or more in the previous anniversary year.

Low Foreign Markup Fee:

With the HDFC Diners Club Privilege credit card, you benefit from a low foreign markup fee compared to other credit cards. While other banks charge around 3.5% as a foreign markup fee, you are charged approximately 1.99% on the conversion amount.

Is This Credit Card Right for You?

Consider getting this credit card if you want an affordable card with decent benefits across various categories, including travel, dining, and lifestyle. Additionally, the card offers a lower forex markup fee, making it suitable for those who frequently make foreign transactions with their credit card. You can also make your card lifetime free by activating any of the above-mentioned facilities. Therefore, consider this card if you want to maximize benefits with minimal charges.

Application Process for the HDFC Bank Diners Club Privilege Credit Card:

You can apply for the HDFC Diners Club Privilege card online or offline. To apply offline, visit the nearest HDFC Bank branch and fill out the application form. Make sure to carry all necessary documents, including proof of identity, address, and income. To apply online, follow these steps:

• Click on “Apply Now.”
• Fill out the digital application form.
• Submit your application.

Who Should Apply for the Diners Club Privilege Credit Card?

The HDFC Bank Diners Club Privilege credit card is ideal for those who prefer a premium lifestyle. Whether you prioritize dining, lifestyle, travel, or other benefits, this card has it all. As a welcome benefit, you receive a 1-year membership to Times Prime and Swiggy One, and earn accelerated 5x reward points on Zomato and Swiggy spends.

Furthermore, you get a bonus of 10x reward points on spends made via SmartBuy. If you frequently travel and make foreign currency spends, you can benefit from the low 1.99% forex markup fee. The card comes with a joining/annual fee of Rs. 2500 plus GST, making it a worthy consideration.

Review of HDFC Diners Club Privilege Credit Card:

With an array of benefits across almost all categories, the HDFC Bank Diners Club Privilege Credit Card is an excellent choice for individuals seeking a card with a decent annual fee and exclusive rewards and benefits. The card offers the opportunity to make it a lifetime free card by activating one of the facilities mentioned above.

In addition to providing domestic and international lounge access, the card’s low foreign currency markup fee makes it even more appealing for saving on international transactions. What are your thoughts on our review of the HDFC Bank Diners Club Privilege credit card? Please let us know in the comments section.