HDFC Bank Diners Club Privilege Credit Card
Card Overview
The HDFC Bank Diners Club Privilege Credit Card is a good option if you like eating out, shopping, and enjoying entertainment. If you spend ₹75,000 in the first 90 days, you’ll get free memberships for Times Prime and Swiggy One. You earn 4 reward points for every ₹150 you spend on any purchase. You get even more points when you shop on SmartBuy, Zomato, or Swiggy. You can get one movie ticket for free when you buy one on BookMyShow. The points you earn can be used for flight tickets, hotel stays, shopping vouchers, or cashback.
For travelers, the card offers free access to 1,000+ airport lounges worldwide. Other benefits include a low 2% foreign exchange fee, insurance coverage, and rewards from brands like Decathlon and Marriott. It also gives free access to Amazon Prime, Times Prime, and MMT Black. With premium perks at an affordable cost, this "HDFC Bank Diners Club Privilege Credit Card" competes with HDFC Regalia and Regalia Gold.
Card Details
- Free Memberships: Get complimentary Swiggy One and Times Prime memberships as a welcome gift.
- Earn Reward Points: You’ll get 4 points for every ₹150 you spend on normal shopping.
- Extra Rewards on SmartBuy: Earn up to 10X reward points when you shop through SmartBuy.
- Bonus Points on Food Orders: Get 5X reward points when you spend on Swiggy and Zomato.
- Airport Lounge Access: Get 8 free entries to airport lounges in India and other countries.
- Insurance Protection: Get air accident insurance coverage of up to ₹1 crore.
- Movie Ticket Offers: Avail ‘Buy 1 Get 1 Free’ on weekend tickets for movies and other events via BookMyShow.
Features & Benefits
HDFC Diners Club Privilege Credit Card – Key Features & Benefits
The HDFC Diners Club Privilege Credit Card is a lifestyle-focused credit card that offers rewards on daily spending along with travel, dining, and entertainment benefits. It is suitable for people who want extra value on food orders, online shopping, travel bookings, and movies without paying a very high annual fee.
Welcome Benefits
New cardholders receive free annual memberships of Swiggy One and Times Prime. To get this benefit, you need to spend ₹75,000 within the first 90 days of receiving the card. Once the spending target is completed, the memberships are activated within 48 hours.
Airport Lounge Access
With this credit card, you get 8 complimentary airport lounge visits every year. These visits are spread as 2 free visits per quarter and can be used at more than 1,000 lounges across India and abroad. Both primary and add-on cardholders can enjoy this benefit, which is helpful for frequent travelers.
Reward Points on Everyday Spending
For regular shopping and online purchases, you earn 4 Reward Points for every ₹150 spent. This applies to most retail transactions, making your everyday spending more rewarding.
If you shop or book travel through the SmartBuy platform, you can earn up to 10 times Reward Points. This is one of the biggest advantages of the card, especially for booking flights, hotels, and shopping from partner brands.
Extra Rewards on Food Orders
When you order food from Swiggy or Zomato, you earn 5 times Reward Points, which means 20 Reward Points for every ₹150 spent. The extra reward points are capped at 2,500 points per month. Normal reward points continue without any limit. The minimum transaction value to earn points is ₹150.
Reward Points Limits
For insurance payments, utility bills, and telecom recharges, you can earn up to 2,000 Reward Points per day. The total Reward Points you can earn in one statement cycle is limited to 50,000 points.
How You Can Use Reward Points
Reward Points earned on this card can be redeemed in different ways. The best value comes when you use them on the SmartBuy reward portal.
- Flights and hotels can be booked using Reward Points, where 1 point equals ₹0.50
- You can pay up to 70 percent of the booking value using Reward Points
- Reward Points can be converted into air miles, where 1 point equals 0.5 air miles
- Product catalogue redemption offers a value of ₹0.35 per point
- Cash redemption gives ₹0.20 per Reward Point
Milestone Spending Benefits
If you spend ₹1,50,000 or more on retail purchases in a calendar quarter, you become eligible for a ₹1,500 voucher. You can choose this voucher from popular brands like Marriott, O2 Spa, Lakme Salon, Barbeque Nation, or Decathlon. The voucher is available within 48 hours after completing the spending target.
Movie and Entertainment Offers
The card offers a Buy One Get One Free deal on BookMyShow for movie and non-movie tickets. You can use this offer twice every month with a maximum discount of ₹250 per ticket. The offer is valid on Fridays, Saturdays, and Sundays, no matter when the booking is done.
Insurance Coverage
The HDFC Diners Club Privilege Credit Card comes with useful insurance benefits that add extra safety while traveling.
- Accidental air death cover of ₹1 crore
- Medical emergency cover of ₹25 lakhs
- Delayed baggage cover of ₹50,000
- Credit liability cover of ₹9 lakhs
Annual Fee and Waiver
The annual fee for this credit card is ₹1,000 plus GST. This fee is waived if you spend ₹3 lakhs or more in the previous card year, making it affordable for regular spenders.
Who Should Use This Credit Card
This credit card is a good option for people who frequently order food online, book travel tickets, watch movies, and shop online. It is ideal for users who want reward points along with lifestyle benefits like lounge access and entertainment offers.
HDFC Diners Club Privilege Credit Card Review
Overall, the HDFC Diners Club Privilege Credit Card offers a good mix of rewards, travel benefits, and lifestyle perks. With strong reward earning options, flexible redemption choices, milestone rewards, and welcome benefits, it is a practical and value-for-money credit card for everyday and lifestyle spending.
Pros/Cons
Reality Check Feedback
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
- How can I pay my HDFC Diners Club Privilege Credit Card bill?
You can pay your bill online, through phone banking, at AXS stations, or in person with cash or cheque at the HDFC Diners Club office.
- What is the value of 1 reward point on SmartBuy?
1 reward point equals ₹0.5 when redeemed for flights and hotel bookings on SmartBuy.
- Do I get reward points for adding money to an e-wallet?
No, loading money into an e-wallet does not earn reward points.
- How long are the reward points valid?
Reward points stay valid for 2 years before they expire.
- Can I earn reward points on fuel purchases?
No, fuel transactions do not earn any reward points.
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