This is HDFC Bank's mid premium lifestyle card on the Diners Club network. It rewards the things city users do most: ordering food on Swiggy and Zomato at 5X points, booking flights and hotels on SmartBuy at up to 10X points, and weekend movies with a Buy 1 Get 1 offer on BookMyShow. A quarterly milestone of Rs 1.5 lakh brings Rs 1,500 worth of brand vouchers from names like Marriott Experience, Decathlon, Barbeque Nation and Domino's.
The fee is now a modest Rs 1,000 and is waived on Rs 3 lakh of annual spends. The catch to plan around is lounge access: from 1 July 2026 it comes as quarterly vouchers that need Rs 60,000 of eligible spends in the previous quarter. If you will not cross that spend level, treat this as a dining and SmartBuy rewards card rather than a lounge card.
Joining PerkComplimentary annual memberships of Swiggy One and Times Prime as welcome benefits, plus Buy 1 Get 1 free on weekend movie tickets via BookMyShow (up to 2 free tickets a month, up to Rs 250 per ticket)
Primary Reward4 Reward Points per Rs 200 on retail spends, 5X points on Swiggy and Zomato orders, and up to 10X points on SmartBuy spends; 1 point is worth up to Rs 0.50 on SmartBuy flight and hotel bookings
Airport Lounge Access3 lounge vouchers per calendar quarter (2 domestic and 1 international) on eligible spends of Rs 60,000 in the previous calendar quarter, applicable from 1 July 2026
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForFood lovers and regular travellers who order often on Swiggy or Zomato, book through SmartBuy and can spend Rs 60,000 a quarter to unlock lounge vouchers
What We Like
5X reward points on Swiggy and Zomato food orders
Up to 10X points on SmartBuy flight and hotel bookings
Rs 1,500 brand vouchers on quarterly spends of Rs 1.5 lakh
Low Rs 1,000 fee, waived on Rs 3 lakh of annual spends
Watch Out
Lounge vouchers need Rs 60,000 of spends in the previous quarter
Diners Club acceptance is narrower than Visa or Mastercard at some offline stores
Points give their best value only on SmartBuy travel bookings
MITC & Hidden Charges
Reward points are valid for 2 years. Bonus points on Swiggy and Zomato are capped per month, and SmartBuy accelerated points are also capped per month. Lounge vouchers are not automatic: they need Rs 60,000 of eligible spends in the previous calendar quarter. Points are not earned on fuel, wallet loads, rent, government and EMI transactions, and a fee applies on rental transactions. Points are worth up to Rs 0.50 each on SmartBuy travel bookings but less on cashback and catalogue redemptions.
What is the annual fee of the HDFC Diners Club Privilege card?
The joining and renewal fee is Rs 1,000 plus GST. The renewal fee is waived if you spend Rs 3,00,000 or more in the previous year.
How does lounge access work on this card?
From 1 July 2026 you get 3 lounge vouchers in a calendar quarter (2 domestic and 1 international) if you spent Rs 60,000 or more in the previous calendar quarter.
What is one reward point worth?
Up to Rs 0.50 when redeemed for flights and hotels on HDFC SmartBuy. The value is lower for cashback and product catalogue redemptions.
Alternatives to Consider
HDFC Millennia Credit Card
HDFC Bank
HDFC’s flagship cashback card for young professionals.
86/100✓ MITC verified
Annual Fee₹1,000 + GST
Reward5% Cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra
LoungeNo standalone lounge access: 1 domestic lounge visit per quarter is offered only as a milestone choice instead of a ₹1,000 gift voucher, on ₹1,00,000 or more spends in that quarter
RewardUp to 10% NeuCoins on Tata Neu App spends (5% base + 5% NeuPass on select categories) + UPI earns 0.5% via any UPI ID and 1.5% via a Tata Neu UPI ID (capped at 500 NeuCoins per month)
Lounge8 domestic + 4 international lounge visits per year; domestic access is milestone-voucher based from 10 Jun 2025 (2 vouchers per quarter, only on ₹50,000 spends in that quarter)