HDFC Bank Diners Club Privilege Credit Card Review

HDFC Bank Dinners Club Privilege Credit Card is a low-budget credit card from HDFC Bank, it is a trimmed-down version of Dinner’s Club Black Credit Card with a lower fee. It offers some extraordinary benefits like big reward points, free lounge access, complimentary golf rounds, travel insurance, and lost card liability coverage. Let’s discuss the benefits in detail.   

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹40,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹6 lakh annually. 
  • Good CIBIL score (750 or more). 
  • Good relation with the bank. 

Required Documents:

  • 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
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹2,500 + GST
  • Annual Fee: ₹2,500 + GST


  • Reward Benefit:

You can earn 4 points for each ₹150 spend with this card.

You can also earn 2x points on your dining spends on weekends.

1 point = Rs. 0.50 which can be redeemed on hotel and airline bookings on Smartbuy.

These reward points can also be redeemed for Air Miles across British Airways, Singapore Airlines at 1 reward point = 0.5 Air miles

  • Lounge Access:

Your HDFC Diners Club Privilege Credit Card comes with 12 complimentary airport lounge access to 700+ Lounges in India and worldwide for primary and add-on card members.

  • Hotel Booking:

From time to time this card comes with exclusive flight and hotel bookings. 

  • Dining:

With this card, you can earn up to 2X reward points on your dining spends. This offer is applicable on weekends.

  • Golf Access:

This card allows you to enjoy up to 2 free golf games per quarter at some of the most premium golf courses in the world. 

  • Insurance Coverage:

In case of an air accident, this card gives your family ₹1 crore of coverage against air accidental death.

In case of a medical emergency Diners Club Privilege Credit Card, it covers you up to ₹25 lakh.

This card also comes with lost and delayed baggage coverage of 50,000. 

  • Lost card liability:

In case of lost or stolen cards, you will get ₹9 lakh coverage against lost or stolen cards. To avail the benefits of the coverage you have to report the loss as soon as possible.  

  • Monthly Benefit:

If you can spend ₹40,000 with your card you can select one of the three membership vouchers, Ola select, BookMyShow, or TataCLiQ. Every membership voucher worth ₹500, and you can select only one among the three.  

  • Yearly benefit:

If you can spend ₹5 lakh within your anniversary year, you will get annual membership of Zomato Gold, Amazon Prime, Times Prime, BigBasket Star, MakeMyTrip Double Privilege, etc. 

  • Contactless payment:

This card comes with a contactless payment facility, so you don’t need to hand over your card at counters to make payments. It reduces the risk of misplaced or lost cards. 


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, min ₹500.  
  • Finance Charge: 3.6% monthly. 
  • Foreign currency transaction: 2% against the transaction amount. 

Contact Details:

Call: 1800-118-887


Mail: [email protected] 

Dispute Resolution Process:

100xGain Ratings: 7/10

Final Opinion:

HDFC Bank Dinners Club Privilege Credit Card is an excellent credit card for golf lovers and for those who cannot afford the Diners Club Black Credit Card. It offers 4 reward points for ₹150 spends, 12 complimentary lounge accesses, 2 free golf games per quarter, ₹1 crore of air accidental coverage, and lots more. 

So if you are eligible and if you want to upgrade your credit card then this card can be a better option for you. 

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