Renewal fee waiver on spending ₹3 lakh or more in a year before renewal date.
Add-on card fee
₹0
Rewards+−
Groceries earning
Reward Points earned on Grocery transactions capped at 2000 per month.
Reward exclusions
Rent payments will not earn Reward Points/CashPoints on all the cards.
Reward caps
The maximum reward points that can be earned in a statement cycle for Diners Premium Card is 50,000
Cashback redemption
Capped per calendar month to 50,000 reward points/CashPoints.
Flight redemption
Capped at 50,000 reward points per calendar month for all other cards.
Hotel redemption
For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.
Point expiry
Reward Points and CashPoints are valid only for 2 years from the date of accumulation
Card benefits+−
International lounge access
Diners Club Credit Cardholders can use their credit card to avail lounge access outside India.
Also included+−
Fuel surcharge waiver
1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycle.
Surcharge on railway tickets
1% of the transaction amount + GST will be charged on Railway Ticket Purchases
Air accident cover
USD 125,000
Credit shield cover
Credit Shield of up to ₹9,00,000
Lost card liability
Liability on lost card covered to an extent of 900,000.
Medical and hospitalisation cover
Emergency medical expenses cover of USD 31,250 for bodily injury or sudden unexpected sickness, only for international travel outside India
Travel insurance
BAGGAGE DELAY COVER USD 625.
Add-on card eligibility
All HDFC Bank credit card members can avail of up to 3 add-on cards where the limit on the primary credit card is shared with the add-on card members
Balance transfer terms
1% of BT amount or ₹250, whichever is higher.
Charges+−
Dynamic currency conversion markup
With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas
Forex markup
3.5% on foreign currency transactions.3.50% of transaction value
Cash advance fee
2.5% fee, minimum ₹500, on all cash withdrawals
Cash advance interest
Cash advances carry a finance charge equal to charges on revolving credit from the date of withdrawal until the date of full payment
Cash withdrawal limit
Cash withdrawal limit: 40% of the Credit Limit.
Interest on unpaid balance
3.75% Monthly 45.0% Annually
Interest-free period
20 to 50 days interest-free when you pay in full.
Late payment fee
₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)
Over-limit fee
Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent
Payment return or dishonour fee
2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Card replacement fee
Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Education / school fee charge
1% fee on Education transactions done through third party applications like CRED, Nobroker, Cheq, capped at ₹4999 per transaction.
EMI conversion fee
Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)
Fee on online skill-based gaming spends
1% fee on online skill based gaming spends exceeding ₹10,000 in a calendar month, capped at ₹4999 per month.
Foreign ATM fee
Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500 whichever is higher on the amount withdrawn.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month
What the card's fee or benefit year means
Annual spending of ₹3 lakh or more in a year before the Credit Card renewal date: renewal fees waived off.
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards, capped at ₹4999 per transaction.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards, capped at ₹4999 per month.
GST note
Applicable on all Fees, Interest, and other Charges.
Minimum amount due
Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)
In the terms, not the brochure (4)
How the earn rate is rounded
Reward Points accrue on spends in multiples of ₹200 across eligible categories.
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
What must be paid with the card for the cover to apply
Insurance covers are available to the primary card holder; air accident cover and travel insurance are activated if the tickets are purchased using the Diners Card.
What happens to unredeemed points if the card is closed
For closed cards: reward points can be redeemed only for 30 days from the date of card closure (unredeemed points lapse), only towards products/vouchers through a manual redemption form; cashback redemption is not allowed on closed cards
How we know - 9 documents from HDFC Bank, checked 19 Oct 2026
