HDFC Bank Diners Club Premium Credit Card: Benefits & Charges

Summary

The HDFC Bank Diners Club Premium Credit Card is a premium credit card for someone who wants a combination of lifestyle, travel, and reward benefits. The card is best for people who are heavy spenders on travel, dining, and shopping and want to earn reward points that can be redeemed in more than one way.

You earn 4 points on every ₹150 spent using this card, and you can trade these points in for flights, hotel bookings, air miles, shopping vouchers, products, and even cashback. The value of each point varies depending on what you use it for—flights and hotels are top, followed by cashback, which is lower in value.

One of the high-end perks of this card is complimentary usage of domestic as well as international airport lounges. You get to indulge in up to 6 free lounge visits a year, hence making your journey even more comfortable and hassle-free. Besides this, the card also gets you up to 15% discount at India’s finest restaurants.

Introduction

If you happen to be the kind of person who enjoys high-end lifestyle experiences, travels quite often, and appreciates distinct privileges, then the HDFC Bank Diners Club Premium Credit Card might be perfect for you. This card is specifically formulated for those people who want more than a basic card – it offers you luxury, convenience, and a slew of benefits on travel, dining, shopping, and wellness.

HDFC Bank is India’s most esteemed bank, and its credit cards are famous for quality service and value. Diners Club Premium Credit Card stands out from the crowd because it’s not just a plain spending tool – it’s the gateway to better services. If you travel frequently or have a taste for good food, this card grants you privileges that make your life easier and richer.

One of the biggest highlights of the HDFC Diners Club Premium Card is the reward points scheme. You receive high reward points on every spend, and the reward points can be redeemed to book flights, hotels, and products or can even be availed as cashback. For frequent flyers, the card offers complimentary use of airport lounges, not just in India but also in international airports. This feature alone makes it an ideal option for frequent flyers.

In this article, we are going to explore in-depth all of the primary features, benefits, eligibility criteria, and charges of the HDFC Bank Diners Club Premium Credit Card. If you are interested in upgrading your lifestyle or want to apply for a premium credit card, by reading this guide, you will be able to determine whether this card suits your needs or not.

What is the HDFC Bank Diners Club Premium Credit Card?

HDFC Bank Diners Club Premium Credit Card is a premium credit card from HDFC Bank for those who like to live life in style. It’s perfect for frequent travelers, frequent diners, and individuals looking for special offers and rewards at all times. With this card, you can earn reward points every time you shop, travel, dine, and so on. These are redeemable points that can be utilized to book flights, accommodations, or gift vouchers at some future time of one’s preference.

One of the greatest benefits of this card is that it provides you with complimentary entry to airport lounges in India and internationally as well. It also provides you with discounts on fine dining at high-end restaurants, wellness centres such as spas and gyms at special rates, and various other high-end benefits. The card also provides you with travel insurance, EMI facility, and additional reward points when you spend more.

What is the design of the HDFC Bank Diners Club Premium Credit Card?

The HDFC Bank Diners Club Premium Credit Card is a classy and sophisticated card design that is worth its premium tag. The card is usually made with a minimalist design with a dark matte finish, which gives a sense of sophistication and eliteness.

Even the Diners Club International logo itself is reflectively shown, indicating global acceptance. Incorporation of HDFC Bank branding is also included that is seamlessly embedded without lowering the high-level look. A sophisticated look such as this one not only garnishes the looks of the card but also comes along with the high-flying lifestyle of the cardholders.

What are the benefits of the HDFC Bank Diners Club Premium Credit Card?

HDFC Bank Diners Club Premium Credit Card gives several rewards and travel benefits to individuals looking for reward points as well as travel rewards. Its features are outlined below:

Reward Points:

• Earn Points: Earn 4 Reward Points for every ₹150 of retail spending.

Redemption Options:

• Flights and Hotels: Redeem on bookings, where 1 Reward Point = ₹0.50.

• Air Miles Conversion: Convert points to air miles at the rate 1 Reward Point = 0.50 Air Mile.

• Product Catalogue: Convert points to products or vouchers. 1 Reward Point worth up to ₹0.35.

• Cashback: Collect cashback, 1 Reward Point worth ₹0.20.

Travel Benefits:

• Airport Lounge Access: Get 6 free visits per year to more than 1,000 airport lounges globally.

Dining and Lifestyle Benefits

• Dining Discount: Get up to a 15% discount at participating restaurants in India.

Other Benefits:

• Waiver of Fuel Surcharge: Get a 1% waiver on fuel surcharge at all fuel pumps in India, up to ₹500 per billing cycle.

Insurance Cover:

• Air accident insurance cover of ₹1 crore.​
• Medical emergency insurance of ₹25 lakhs.​
• Travel insurance cover of ₹50,000 against loss or delay of baggage.​
• Credit liability cover of ₹9 lakhs.

What are the fees for the HDFC Bank Diners Club Premium Credit Card?

Here is a simple HDFC Bank Diners Club Premium Credit Card fee breakup.

Joining Fee	₹2,500 plus GST
Annual Fee	₹2,500 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.2% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

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

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

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

The documents that you will have to submit to Get an HDFC Diners Club Premium Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Diners Club Premium Credit Card be used?

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

• With the HDFC Diners Club Premium 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 HDFC Diners Club Premium Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HDFC Diners Club Premium 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 Bank Diners Club Premium Credit Card?

The credit limit of the HDFC Diners Club Premium Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

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

Apply it through both these modes: 

Online Application Process

• Visit the official website of 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 Diners Club Premium Credit Card.

• Just hover your cursor on the HDFC Bank Diners Club Premium 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 you submit 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 HDFC Diners Club Premium Credit Card.

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

• Fill in 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 a passport.

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

• The bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Diners Club Premium 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 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 Bank Diners Club Premium Credit Card in 2025 be right?

Yes, the HDFC Diners Club Premium Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

HDFC Bank Diners Club Premium Credit Card is an aggressive option for those looking for luxury, rewards, and value all in one credit card. In case you are the person who travels frequently, dines at expensive restaurants, or simply wishes to receive more value from your everyday spending, this card offers you a myriad of benefits that can upgrade your lifestyle.

You get reward points for almost every purchase with this card, which can be redeem against flights, hotel reservations, vouchers, products, or even cashback. This means that the more you spend using the card, the better the rewards coming your way. Second, free entry is a very big benefit to travelers, and your journey is smoother and easier as a result.

Another great feature is the discounts on dining, gym membership, and spas, which allow you to save and yet avail yourself of premium facilities. The card also offers useful insurance coverage, like air accident insurance and cover for lost baggage, medical emergencies, etc.—making it convenient for domestic as well as foreign travel.

Frequently Asked Questions (FAQ’s)