HDFC Diners Club Privilege Credit Card: Benefits & Apply

Table of Contents

Summary

HDFC Diners Club Privilege Credit Card is a premium card for those who are keen to experience the appeal of traveling, dining, and shopping. At partner places such as Swiggy, Ola, and Tata Cliq, Reward Points are credited at 10X while booking through SmartBuy. For daily spending, Reward Points are credited at 4 per ₹150. These reward points can be exchanged for flights, hotels, and vouchers, which makes it the best card to carry while spending regularly.

This is an ideal card for travelers, providing up to 8 free airport lounge visits in a quarter, both in domestic and international lounges. Such a card further saves users from international transactions with a low forex markup of 1.99% and comes with an air accident insurance cover of ₹1 crore and overseas hospitalization coverage of ₹25 lakh, so this is a safe option for global travelers.

The most distinct feature of this card is the free annual membership worth ₹18,000+, including Amazon Prime, Zomato Pro, and MMT Black, among others. However, users need to spend ₹1.5 lakh per quarter to avail of these memberships.

Introduction

Diners Club Privilege Credit Card is a premium credit card for those looking forward to experiencing the high facilities and benefits. The Diners Club Privilege Credit Card would be a great option, especially for travelers and foodies, because of the many fantastic offers and rewards that come with it.

Along with offering dining discounts that allow a person to dine in different restaurants, the Diners Club Privilege Credit Card further enjoys its dining-out experience. This card also benefits a customer in the airways as the Diners Club Privilege Credit Card offers them bumper benefits such as free lounge access and cashback offers at different airlines.

One special feature of the Diners Club Privilege Credit Card is that you get reward points which can be used on various purchases. By these points, one can not only travel but also avail benefits on shopping and other different types of services.

Today, we will talk about Diners Club Privilege Credit Card in detail. In which we will let you know the entire benefits for that card. Along with this, we will also discuss the fees of HDFC Bank Diners Club Privilege Credit Card, and its complete procedure to apply for the same.

What is the HDFC Diners Club Privilege Credit Card?

Credit Card is a high-class credit card that is of very great use to its customers who wish to have better facilities. HDFC Bank Diners Club Privilege Credit Card also provides customers with numerous benefits whilst traveling in India and abroad with airport lounge access, which gives comfort while traveling.

One special feature of the Diners Club Privilege Credit Card is its reward points system. You get reward points at each consumption with HDFC Diners Club Privilege Credit Card, which you may redeem for free travel, shopping, or other services. The system also lets you benefit from special offers and promotions.

How is the design of the HDFC Diners Club Privilege Credit Card?

It’s sleek and premium in design with a dark elegant background that boasts a glossy finish. The design is high-class and sophisticated looking.

The card carries the logo of Diners Club International besides the HDFC Bank branding which makes it seem exclusive. There is a minimal, yet stylish design that reflects high-end benefits as well as its premium feel.

What are the benefits of the HDFC Diners Club Privilege Credit Card?

Here are the key benefits, along with some actual reward points:

1. Earn Reward Points on Every Spend

4 Reward Points per ₹150 spent on regular purchases.

10X Reward Points on partner brands like Swiggy, Ola, Tata Cliq, and more (via SmartBuy).

2. Free Airport Lounge Access

Up to 8 free lounge visits per quarter (India & international lounges).

3. Free Annual Memberships Worth ₹18,000+

FREE subscription to Zomato Pro, Amazon Prime, MMT Black, and other services on expenditure of ₹ 1.5 lakh per quarter.

4. Fuel Surcharge Waiver

1% Fuel surcharge is waived at every fuel station for a maximum amount of ₹400 per month

5. Golf & Dining Benefits

Golf lessons/access in select courses.

Exclusive discounts are available at premium dining places.

6. Low Foreign Currency Markup

Only a 1.99% markup on overseas transactions, significantly less than a lot of the other credit cards.

7. Insurance & Protection

Air accident cover of ₹1 crore.

Emergency overseas hospitalization cover of ₹25 lakh.

What are the fees for the HDFC Diners Club Privilege Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee	₹999 + GST (one-time fee when you get the card).
Annual Fee	₹999 = GST per year. This will be waived if you spend 1,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (47% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Diners Club Privilege Credit Card?

The following are the primary requirements:

To apply for the Diners Club Privilege Credit Card, you must be between 18 and 70 years old.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs 2 lakhs usually does the job.

A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750.

You must be an Indian resident and have valid address proof within the country.

A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC Diners Club Privilege Credit Card?

The documents that you will have to submit to get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Diners Club Privilege Credit Card be used?

Here is the list of places where you can use it:

With the Diners Club Privilege Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Diners Club Privilege Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Diners Club Privilege Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Diners Club Privilege Credit Card?

The credit amount you can spend is what you are provided with a Diners Club Privilege Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HDFC Diners Club Privilege Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the HDFC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Diners Club Privilege Credit Card.

Just hover your cursor on the Diners Club Privilege Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest HDFC Bank branch to apply for the Diners Club Privilege Credit Card.

Request for the credit card application form for the Diners Club Privilege Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Diners Club Privilege Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Diners Club Privilege Credit Card in 2025 be right?

Yes, getting an HDFC Bank Diners Club Privilege Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The Diners Club Privilege Credit Card is a great option designed for customers who want to add some extra extras to their life. With the HDFC Bank Diners Club Privilege Credit Card, customers can enhance their travel and dining experience as it offers a wide range of discounts, reward points, and cashback.

Features like airport lounge access and travel insurance make it a great choice for travelers. Also, restaurant offers and discounts on online shopping help you save on your expenses. Although the annual fee of the card may be a bit high, the benefits and features it offers justify the fee.

Overall, the Diners Club Privilege Credit Card is an excellent choice for customers who want to experience a premium lifestyle with smart management of their finances. Therefore, if you manage your expenditures prudently, the Diners Club Privilege Credit Card will not only be a payment instrument but will also act as a priceless companion for you.