HDFC Diners Club Privilege Credit Card: Check Eligibility & Benefit

Launched in India to cater to a lifestyle-focused clientele, the HDFC Diners Club Privilege Credit Card offers a compelling combination of rewards, travel benefits, and everyday spending advantages. This HDFC Credit card, established through a collaboration between HDFC Bank and Diners Club International, has quickly become a favorite amongst those who appreciate an enriched credit card experience.

Earn rewarding points on everyday purchases, with accelerated rates on popular brands like Swiggy and Zomato. Complimentary annual memberships to Swiggy One and Times Prime further elevate your everyday indulgences (subject to terms and conditions). Travel the world in style with complimentary airport lounge access and a competitive foreign currency markup fee. 

For a truly privileged experience, explore exclusive offers and discounts across dining, entertainment, wellness, and travel. If you value a rewarding credit card experience with a focus on travel, dining, and entertainment, this card might be a perfect match.

Feed and Charges

Fee Type	Details
Interest Rate	3.49% per month (41.88% annually) on outstanding dues.
Cash Withdrawal Fee	2.5% of the withdrawn amount or ₹500, whichever is higher.
Late Payment Fee	Starts at ₹100, increasing with the outstanding balance, up to ₹1,200.
Foreign Currency Markup	2% of the transaction amount.
Over-limit Fee	2.5% of the over-limit amount or ₹500, whichever is higher.
Card Replacement Fee	₹100 plus applicable taxes.

Reward and Benefits

Feature	Description
Rewards Program	Earn 4 reward points for every ₹150 spent. Points can be redeemed for travel bookings, shopping, dining, and more.
Travel Perks	Enjoy complimentary access to over 700 airport lounges worldwide, enhancing your travel experience with comfort and convenience.
Dining Discounts	Get up to 20% discount at select restaurants, perfect for food enthusiasts who love to explore new culinary delights.
Insurance Coverage	Comprehensive insurance coverage including air accident cover, medical emergency cover, and credit shield cover for peace of mind while traveling.
Milestone Benefits	Earn additional reward points on reaching annual spending milestones—10,000 points for spending ₹3 lakh and 15,000 points for spending ₹5 lakh.

Product Details

• Earn 4 reward points for every ₹150 spent, redeemable for travel, shopping, and dining.
• Complimentary access to 700+ airport lounges worldwide and free Priority Pass membership.
• Up to 20% discount at select partner restaurants and complimentary Club Marriott membership.
• Earn 10,000 reward points on spending ₹3 lakh annually and an additional 15,000 points on spending ₹5 lakh annually.
• Includes air accident cover up to ₹1 crore, medical emergency cover, and credit shield cover.
• The interest rate is 3.49% per month (41.88% annually) on outstanding dues, with various charges for late payments and cash advances.

Advantages and Disadvantages

Advantages:

1. Earn 4 reward points for every ₹150 spent, redeemable across travel, shopping, and dining categories.
2. Complimentary access to over 700 airport lounges worldwide and free Priority Pass membership enhance the travel experience.
3. Enjoy up to 20% discount at select partner restaurants and a complimentary Club Marriott membership.
4. Receive 10,000 reward points on spending ₹3 lakh annually and an additional 15,000 points on spending ₹5 lakh annually.
5. Earn 2,500 reward points upon joining.
6. Comprehensive coverage including air accident insurance up to ₹1 crore, medical emergency cover, and credit shield cover.
7. The annual fee of ₹2,500 is waived on spending ₹3 lakh in a year.
8. Access to Priority Pass and Club Marriott, offering additional perks and savings.

Disadvantages:

1. Diners Club cards may not be accepted at all merchants, especially smaller establishments.
2. A 2% fee on foreign currency transactions can add up for frequent international travellers.
3. Charges range from ₹100 to ₹950 depending on the outstanding balance, which can add up quickly.
4. 2.5% of the over-limit amount or ₹500, whichever is higher.
5. High income requirements and excellent credit scores needed for approval may limit accessibility for some applicants.

HDFC Bank Diners Club Privilege Credit Card: Features and Benefits

Benefit	Details
Welcome Benefit	➡ 2,500 Reward Points on the first spend. ➡ Annual Fee Waiver on spending ₹40,000 in the first 90 days.
Milestone Rewards	➡ 10,000 Reward Points on spending ₹3 lakh in a year. ➡ Additional 5,000 Reward Points on spending ₹5 lakh in a year.
Travel Lounge Access	➡ 12 Complimentary Domestic Airport Lounge Access per year. ➡ 6 Complimentary International Airport Lounge Access per year.
Golf Benefits	6 Complimentary Golf Games per quarter at select courses in India.
Travel Insurance	➡ Accidental Death Cover of ₹1 crore. ➡ Emergency Medical Expense Cover up to ₹25 lakh. ➡ Travel Inconvenience Insurance covering baggage loss, flight delay, etc.
Forex Markup Fee	2% Forex Markup Fee on international transactions.
Fuel Surcharge Waiver	1% Fuel Surcharge Waiver on transactions between ₹400 and ₹5,000.

HDFC Bank Diners Club Privilege Credit Card Reward Offers

• Reward Points: Earn 4 Reward Points for every ₹150 spent.
• Accelerated Rewards: 8 Reward Points for every ₹150 spent on HDFC Bank website, SmartBuy, and select partners.
• Milestone Rewards: 10,000 Reward Points on spending ₹3 lakh in a year, and additional 5,000 Reward Points on spending ₹5 lakh.
• Welcome Benefit: 2,500 Reward Points on the first spend.
• Redemption: Redeem points for a variety of options including air miles, hotel stays, and gift vouchers.

Reward Redemption

• Flexibility: Redeem Reward Points for flights across major airlines, hotel stays, and exclusive merchandise.
• Airline Miles: Convert points to airline miles with leading airlines including Vistara and Singapore Airlines.
• Hotel Stays: Enjoy luxury stays at partner hotels like Taj Hotels and Resorts.
• Gift Vouchers: Exchange points for gift vouchers from top brands and retailers.
• Easy Redemption: Convenient online redemption through HDFC Bank’s rewards portal or mobile app.

HDFC Bank Diners Club Privilege Credit Card: Fees and Charges

• Finance Charges:
  • Interest rate on revolving credit: 3.49% per month (41.88% annually).
  • Interest-free period: Up to 50 days, applicable only on retail purchases and if the previous month’s outstanding balance is paid in full.
• Late Payment Charges:
  • Nil for statement balance up to ₹100.
  • ₹100 for statement balance between ₹101 to ₹500.
  • ₹500 for statement balance between ₹501 to ₹5,000.
  • ₹600 for statement balance between ₹5,001 to ₹10,000.
  • ₹700 for statement balance between ₹10,001 to ₹25,000.
  • ₹950 for a statement balance above ₹25,000.
• Cash Advance Fee: 2.5% of the transaction amount or ₹500, whichever is higher.
• Over-limit Fee: 2.5% of the over-limit amount or ₹500, whichever is higher.
• Foreign Currency Transaction Fee: 2% of the transaction amount for transactions made in foreign currencies.
• Card Replacement Fee: ₹100 plus applicable taxes for card replacement.
• Payment Return Charges: ₹450 for each payment return.
• Outstation Cheque Fee: ₹25 for each cheque + applicable taxes.
• Rewards Redemption Fee: ₹99 per redemption request for redemption of reward points.
• Statement Request Fee: ₹100 per statement for statements older than 3 months.
• Railway Ticket Booking Surcharge: 1.8% of the transaction amount for railway ticket bookings through the IRCTC website with the card.
• Convenience Fee: 1% of the transaction amount for utility bill payments made through net banking.

Travel Benefits Available on HDFC Bank Diners Club Privilege Credit Card

• Airport Lounge Access: Enjoy complimentary access to over 700 airport lounges worldwide through the Priority Pass membership provided with the card. This includes both domestic and international lounges, offering a comfortable and relaxing environment before your flight.
• Travel Insurance Coverage:
  • The card provides comprehensive travel insurance coverage, including:
  • Air accident insurance covers up to ₹1 crore.
  • Medical emergency cover for travel-related incidents.
  • Credit shield cover to protect against outstanding balances in case of unfortunate events.
• Travel Discounts and Offers: Cardholders can avail of exclusive discounts and offers on travel bookings through partner platforms. These may include discounts on flights, hotels, car rentals, and vacation packages, providing savings and value-added benefits.
• Foreign Exchange Markup Fee Waiver: Enjoy freedom from availing a 2% forex markup fee on international transactions, making it cost-effective to use the card for purchases abroad without incurring additional charges.
• EMI Options for Travel Expenses: Enjoy freedom from foreign exchange markup fees on international transactions, making it cost-effective to use the card for purchases abroad without incurring additional charges.
• Travel Concierge Services: Access to 24×7 concierge services to assist with travel planning, reservations, and personalized recommendations for dining, entertainment, and local experiences at various destinations.

HDFC Bank Diners Club Privilege Credit Card: Terms and Conditions

• Billing Cycle: The billing cycle typically ranges from 28 to 31 days, with payment due dates specified on the statement.
• Validity and Termination: The card remains valid as long as fees are paid and terms are adhered to. Termination can occur for non-compliance with terms or bank policies.
• Changes in Terms: HDFC Bank reserves the right to modify terms, fees, benefits, and features of the card with prior notice to cardholders.
• Interest Calculation Method: Interest is calculated on a daily basis from the date of the transaction until the amount is paid in full, considering the revolving credit facility.
• Grace Period and Interest-Free Period: While there is typically a grace period of up to 50 days on retail purchases, interest-free periods do not apply to cash advances and certain transactions like utility bill payments and railway ticket bookings.

Who Can Apply for the HDFC Bank Diners Club Privilege Credit Card?

Age Criteria

• Primary Cardholder: Minimum age of 21 years and maximum age of 60 years.
• Add-on Cardholder: Minimum age of 18 years.

Income Criteria

• Salaried Individuals: Minimum income of ₹1.75 lakh per month.
• Self-employed Individuals: Minimum income tax returns of ₹21 lakh per annum.

Employment Status

• Salaried: Employed for at least 2 years with current employer.
• Self-employed: In business for at least 3 years.

Credit Score:

• A 750 or above credit score is generally required for approval.
• HDFC Bank assesses the applicant’s creditworthiness and repayment capability based on their credit history.

Residency Status:

• Applicants must be residents of India.
• Valid proof of residence is required, such as an Aadhar card, passport, voter ID card, or utility bills in the applicant’s name.

Documentation Needed for HDFC Bank Diners Club Privilege Credit Card

Proof of Identity	Proof of Address
Aadhaar card	Aadhaar card
Passport	Utility bills (electricity, telephone)
Voter ID	Passport
Driving license	Bank statement

1. Income Proof:
   • Latest salary slips (last 3 months)
   • Form 16
   • Income tax returns (ITR)
2. Photographs:
   • Recent passport-size photographs (typically 2 to 3)
3. Additional Requirements:
   • For Non-Resident Indians (NRIs):
     • Copy of passport
     • NRE account statement
   • For Self-Employed Individuals:
     • Business proof (certificate of incorporation, partnership deed)
     • Income tax returns (ITR)

Application Process for HDFC Bank Diners Club Privilege Credit Card

• Visit the HDFC Bank website or use the mobile app. Select the Diners Club Privilege Credit Card.
• Enter personal details, and income, and upload scanned copies of required documents.
• HDFC Bank will verify your details and documents. This process may take 5-7 business days.
• Once approved, you will receive a notification. Your Diners Club Privilege Credit Card will be dispatched, typically within 7-10 business days.

FAQs