HDFC Diners Club Privilege Credit Card - Detailed Review

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Key features and benefits of HDFC Diners Club Privilege Credit Card
  • Earn 4X reward points for every Rs. 150 spent on retail transactions.
  • Earn 5X reward points on Swiggy and Zomato spends.
  • Get up to 8 complimentary domestic & International airport lounge access per year.
  • Enjoy international travel insurance coverage of up to Rs. 1 crore.
  • Get complimentary annual memberships to Swiggy One and Times Prime.
  • Enjoy Buy 1 Get 1 Free offers on movie tickets via BookMyShow.
  • 1% fuel surcharge waiver on fuel transactions at all fuel stations subject to a maximum waiver of Rs 500 per statement cycle
Eligibility criteria

Salaried EmployeesSelf-Employed Individuals
Age21 Years to 60 Years21 Years – 65 Years
IncomeMinimum Rs. 70,000 per monthMinimum Rs. 8,40,000 per annum (as per ITR)

Fees and charges
  • Joining fee: Rs. 2,500 + GST
  • Annual fee: Rs. 2,500 + GST
  • Spend Based Waiver - Renewal fee waiver on spending over Rs. 3 lakhs in the previous year.
  • Rewards Redemption Fee - Rs 99 per redemption request (plus applicable taxes)
  • Foreign Currency Markup - 1.99% of the conversion amount (plus applicable taxes)
  • Interest Rates - 3.6% per month (43.2% per annum)
  • Cash Advance Charges - 2.5 % of the withdrawal amount subject to a minimum charge of Rs 500
  • Add-on Card Fee - Nil
Overall, the HDFC Diners Club Privilege Credit Card is a good option for frequent travelers and those who spend a lot on dining and entertainment.
However, the high fees and limited international airport lounge access may be a deterrent for some.