HDFC Bank Diners Club Privilege Credit Card Review

The hdfc diners club privilege credit card is a low-budget mid-tier lifestyle credit card. It is a trimmed-down version of the hdfc bank diners club black credit card. The awesome benefits of this card include useful diners club rewards points on every transaction, free access to airport lounges, complimentary golf rounds, and lots more. A detailed description of the benefits of hdfc credit card is given below. 

Who can apply for the HDFC diners privilege card?

  • Resident Type: Indian. 
  • HDFC diners club credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 70,000 monthly. 
  • HDFC credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 8.4 lakh annually. 
  • A CIBIL score of 770+ is required to apply for this hdfc diners credit card. 

What documents are required to apply for an hdfc diners club credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

What are the hdfc credit card annual charges?

  • HDFC diners privilege card joining fee: Rs. 2,500 + GST
  • HDFC credit card annual fee: Rs. 2,500 + GST

What are the hdfc diners club credit card benefits?

  • Make your transactions more rewarding:

The HDFC diners club card reward points are offered like this.

Category of transaction

Rate of earning diners club rewards

Spends during weekends 2X hdfc credit reward points for every Rs.150 transaction
Transactions made via smartbuy app 10x reward points for every Rs.150 transaction
All other transactions 4 hdfc diners rewards for every Rs.150 transaction

 The value of hdfc credit card rewards points depends on the reward redemption method. The details are mentioned below.

1 hdfc credit card reward points value in rupees is equivalent to
Air miles  0.50 air mile 
Flight/ hotel booking at smartbuy hdfc Rs.0.50
HDFC bank rewards catalog Rs.0.35
Cash Rs.0.20
  • Add comfort to your travel:

This hdfc bank card offers 12 yearly accesses to over 1000+ airport lounges across the globe. This benefit is available for both primary and hdfc bank add-on credit card members.

  • Enjoy attractive deals on hotel booking:

The hdfc credit card hotel offers are awesome. From time to time this card comes with exclusive flight and hotel bookings. Subscribe to our notification service to get regular updates on upcoming hdfc diners card offers

  • Attractive hdfc credit card dining offers:

This hdfc dinner credit card offers up to 2X diners club rewards on your dining spending. The hdfc dining offers are applicable only on weekends.

  • Attractive deals for golf lovers:

This hdfc diners club card gives you 2 free quarterly accesses to some of the most premium golf courses across the globe.

  • Complimentary HDFC privilege insurance coverage:

The details of hdfc credit card insurance coverage are mentioned below.


Total coverage amount
Air accidental death coverage Rs.1 Crore
Emergency medical expense coverage Rs.25 Lakh
Lost or delayed baggage coverage Rs.50,000
  • Complimentary lost card liability coverage:

This hdfc diners privilege card comes with lost card liability coverage of Rs. 9 lakh. So if your diners card ever gets lost or stolen, then you just have to report it by calling the hdfc smart buy customer care number and you will not be liable for anything bad that may happen to your hdfc privilege account.

You can also block your missing card from your hdfc credit card android app. If you want to know how to block hdfc credit card through net banking or the hdfc credit card mobile app, then make sure to visit our hdfc card faq page.

  • Attractive deals on milestone expenses:

The milestone rewards are offered like this.

Credit card usage

Total benefit

Rs.40,000 within a hdfc credit card billing cycle One of the three hdfc vouchers (worth Rs.500): Ola select, BookMyShow, or TataCLiQ
Rs.5 lakh within an anniversary year Complimentary annual membership of Zomato Gold, Amazon Prime, BigBasket Star, MakeMyTrip, etc
Rs.3 lakh within a year Complete waiver on next year’s hdfc diners club credit card annual fee
  • Cutting-edge security:

This privilege card comes with a built-in EMV chip, these chips use a very strong encryption method to store your sensitive credit card information, making your diners privilege card nearly impossible to clone.

What are the HDFC diners club privilege credit card charges?


Payable Amount

HDFC credit card cash withdrawal fee 2.5% against the withdrawn amount, min Rs. 500 (check your hdfc credit card cash withdrawal limit before making a withdrawal)
HDFC credit card finance charges The hdfc bank credit card interest rate for this particular card is 3.6% monthly.
diners club privilege international transaction charge 2% against the transaction amount.
HDFC add-on card fee Free for a lifetime.

For more details check the hdfc bank credit card terms and conditions page.

How to contact the hdfc diners club customer care department?

100xGain Ratings: 


Pros and cons of the hdfc privilege card:



  • This hdfc diners credit card offers you free access to airport lounges.
  • You can also enjoy some complimentary golf rounds.
  • The hdfc bank credit card rewards earning rate is quite impressive.
  • There are no entertainment benefits on this hdfc diners card.

If you want to know, ‘What is the limit of HDFC Diners Club credit card?’, then login to your hdfc card net banking account, you can find all the details there.

Final Opinion:

HDFC bank diners privilege credit card is an excellent credit card for golf lovers and for those who cannot afford the hdfc black credit card. It offers useful hdfc card rewards on every transaction, complimentary diners lounge accesses, free golf games, and lots more, which is more than enough at this cost. 

But if you think this hdfc travel card is not good enough for you or you want to explore some alternative options, then take a look at the alternative cards given below. 

Alternative cards of the diners privilege card:

  1. AU Small Vetta card (Best for reward point and lounge access)
  2. Axis Bank Vistara Infinite Credit Card (Best for lounge access, dining, and golf)
  3. HDFC Bank Diners Club Black Credit Card (Best for reward, lounge, and golf benefits)
  4. RBL MoneyTap black credit card (Best for reward point and lounge access)

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