Let’s suppose you spend around three thousand every weekend on food with friends, fifteen hundred on Zomato or Swiggy, and ten thousand on shopping and movies every month. In total, it is more than twenty-five thousand rupees every month. However, with the HDFC Diners Privilege credit card, you can get up to 10x reward points on dining, shopping, and travelling. Also, you will get a gift voucher of rupees 500 if you spend forty thousand rupees a month. It brings zero-cost airport lounge access and travel insurance coverage. You will access a card that turns everyday spending into rewards and savings.
About HDFC Diners Privilege Credit Card
The HDFC Diners Privilege credit card allows you to earn up to 10x reward points on dining, travelling, and shopping. If you like a luxury pre-flight experience, then you can enjoy 8 complimentary lounge accesses every year. Regular spending can allow you to access milestone rewards of two thousand rupees every quarter. The card rewards you for spending. You can also access Zomato Gold, Amazon Prime, and other beneficial memberships that make everyday life easier. It is one of the cards that feel good if you enjoy dining out, receiving rewards, and travelling.
Key Features of HDFC Diners Privilege Credit Card
| Feature | Description |
| Annual fee | 2500 rupees |
| Welcome benefits | Complimentary Swiggy One and Times Prime membership over a spending of seventy-five thousand rupees in 90 days |
| Reward points | 4 reward points for every spending of 150 on retail, 20 on food delivery, and 40 on SmartBuy |
| Quarterly milestone benefits | 1500 rupees vouch for spending one and a half lakh in a quarter |
| Lounge access | 8 visits every year to domestic and international lounges |
| Insurance coverage | Credit liability cover of more than nine lakh |
| Cashboard redemption value | Rs 0.2 per reward point for cashback |
Advantages of HDFC Diners Privilege Credit Card
One of the great features of the HDFC Diners Privilege credit card is its appealing welcome rewards. Once you activate the card, you can access complimentary memberships to a dining app or a travel app, provided you spend Rs 75,000 within the first 90 days of card issuance.
Swiggy One Membership
It facilitates free deliveries and discounts on food orders. Based on the ongoing offerings, the membership usually charges between 899 and 2999.
Times Prime Membership
This membership offers discounts and vouchers on famous brands like Uber, SonyLiv, Hotstar, YouTube, etc. The membership costs 1199 rupees.
Reward Points on HDFC Diners Privilege Credit Card
HDFC Diners Privilege credit card offers a tiered reward structure, which makes it ideal for users who spend time dining, shopping, and travelling. Reward points are earned at these rates:
| 4 reward points | Spend 150 on general retail purchases |
| 20 reward points | Spend 150 on food delivery services |
| 40 reward points | Spend 150 on SmartBuy |
Reward Redemption Reward Point
| Category | Value per reward point |
| Smartbuy | 0.5 |
| Dining catalogue through SmartBuy | 0.5 |
| Product catalog | 0.35 |
| Cashback | 0.2 |
Although 1 reward point is equal to 0.5 for dining and travel, the cashback value is relatively low.
Quarterly Milestone Benefits on HDFC Diners Privilege Credit Card
The HDFC Diners Privilege credit card offers quarterly milestone rewards, a distinguished feature compared to cards providing annual milestone advantages. If you spend one and a half lakh rupees in a quarter, you will be eligible for a 1500 voucher from brands like Marriott, Barbeque Nation, Decathlon, and so on.
If you spend 6 lakh rupees in a year, then you will receive a total milestone benefit of 6000 rupees. Also, the annual fee of the card is 2500, which can be waived if you spend 3 lakh rupees in a year.
Travel Benefits on HDFC Diners Privilege Credit Card
The HDFC Diners Privilege credit card offers travel-related benefits. However, they are not as extensive as other luxury cards:
Complimentary lounge access: You can avail 2 visits in a quarter to the domestic and international airport lounges. It is granted once you spend 15000 rupees in a quarter.
Low Forex Markup Fee of 2%: This is mainly beneficial for those who often make international trips.
Dining Benefits of HDFC Diners Privilege Credit Card
The card provides more offers for dining and entertainment lovers.
Buy 1 get 1 free- Users can avail one-on-one movie and other entertainment tickets through BookMyShow on weekends. The maximum discount limit is 250 on every ticket, and the offer can be availed within 2 months.
Up to 20% off- You can get up to 20% off on restaurant bills through Swiggy Dineout.
Insurance Coverage with Credit Card
The HDFC Diners Privilege credit card offers an insurance package that relaxes the cardholders.
Credit liability cover– 9 Lakh rupees
Accidental air death cover– 1 crore
Emergency overseas hospitalisation- up to 25 lakhs
Travel insurance- up to 50,000
Credit Card Cashback and Rewards
The HDFC Diners Privilege credit card rewards individuals for their spending habits, mainly in dining, travel, and shopping. The tiered reward system enables cardholders to increase their benefits on the basis of their lifestyle choices.
Disadvantages of HDFC Diners Privilege Credit Card
- The card needs you to spend a high amount for welcome benefits, at least 75000 rupees in 90 days
- The travel benefits are limited as no air miles redemption is offered
- 1 reward point is equal to 0.2 rupees for cashback
- Unlike other cards, this card does not offer fuel benefits.
Eligibility Criteria for HDFC Diners Privilege Credit Card
To apply for the HDFC Diners Privilege credit card, the users must meet these criteria:
- He or she must be aged 21 and above
- A minimum annual income should be 6 lakh rupees
- He or she should have a good credit score of 750
How to Apply for HDFC Diners Privilege Credit Card?
You can apply for the credit card through different channels:
- Step 1: Go to the HDFC Bank Site
- Step 2: Visit the Credit Cards Section
- Step 3: Find the HDFC Diners Privilege credit card
- Step 4: Start the Application Process
- Step 5: Enter Personal Details
- Step 6: Include Address and Employment Details
- Step 7: Review and Submit Application
- Step 8: Get Confirmation and Track Application
- Step 9: Approval and Card Dispatch
Conclusion
HDFC Diners Privilege credit card is a great option for individuals who enjoy dining out, shopping, and travelling. It has everything that an individual needs for a lifestyle with maximum rewards. However, you must be aware of the higher spending that are required for you to be eligible for the card.
Also Read:
Phishing scam targets SBI, ICICI, HDFC, Axis Bank, PNB and the Indian IT department
