Rated 19 Oct 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate
Premium · Open to new applications · Earns Reward Points
First-year fee
₹1,000 + GST
Annual fee
₹1,000 + GST
What it gives back
4 Reward Points per ₹200 · everyday spends
Compared with the cards we have read
Annual feeJoining fee
₹1,000 + GST
Fee waiver rule
Fee waived if you spend ₹3,00,000.
Add-on card fee
₹0
Welcome benefit
Complimentary Annual memberships of Swiggy One and Times Prime on spending ₹75,000 within the first 90 days of card issuance
Reward rate
4 Reward Points per ₹200 · everyday spends4 Reward Points for every ₹200 spent.
EMI spend earning
EasyEmi and e-wallet loading transaction will not accrue Reward Points.
Fuel earning
Reward Points will not be accrued on fuel transactions.
Government spend earning
Government related transactions will not earn Reward Points/CashPoints.
Groceries earning
Reward Points earned on Grocery transactions capped at 2000 per month.
Insurance spend earning
Reward Points accrued for insurance transactions have a maximum cap of 2000 per month
Online earning
Up to 10X Reward Points on Spends Via Smartbuy
Rent earning
Rent payments will not earn Reward Points/CashPoints on all the cards.
Reward earning on dining spends
20 Reward Points on every ₹200 spent on Swiggy and Zomato online food delivery orders.
Travel earning
Travel deals: get up to 10X Reward Points
Utilities earning
Reward Points earned on Utility transactions capped at 2000 per calendar month.
Wallet load earning
E-wallet loading transaction will not accrue Reward Points. Any accrued reward points will be duly reversed.
Reward exclusions
Reward Points will not be accrued on fuel transactions for Diners Privilege.
Reward caps
The 4X part (16 reward points for every ₹200 spend on Swiggy & Zomato) is capped at 2500 reward points per calendar month across both merchants combined; 4 reward points for every 200 spend on Swiggy, Zomato continue as is without any capping.
What one reward unit is worth
1 Reward Point is equivalent to ₹0.5 on SmartBuy flight and hotel bookings; up to ₹0.35 on the exclusive catalogue; ₹0.50 at select restaurants; up to ₹0.20 as cashback
Cashback redemption
1 RP = ₹0.20 cashback.
Catalogue redemption
Exclusive reward redemption catalogue: 1 RP upto ₹0.35
Flight redemption
1 RP = ₹0.5 via Smartbuy.
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.
Redeeming points for travel
Flights & hotels: Reward Points redemption is capped per calendar month at 50,000 reward points for all other cards (Infinia 1,50,000; Diners Black Metal Edition, Diners Black, Biz Black 75,000). The redemption condition applies to Diners card variants (ClubMiles, Rewardz, Privilege, Premium) for transactions done on HDFC Bank Smartbuy or the dedicated website portals of the bank.
Statement-credit redemption
Cashback from redeeming reward points/CashPoints is credited to the card account and adjusted towards the next statement balance; it is not considered payment for the last statement.
Voucher and product redemption
1 RP upto ₹0.35
Point expiry
Reward Points/CashPoints are valid only for 2 years from the date of accumulation
Smallest number of points that can be redeemed
Minimum amount required for cashback redemption: ₹500
Points transfer redemption
The bank's documents don't say.Checked 19 Oct 2026
Award examples
The bank's documents don't say.Checked 19 Oct 2026
Airline and hotel partners points may move to
The bank's documents don't say.Checked 19 Oct 2026
Reward earning on international spends
The bank's documents don't say.Checked 19 Oct 2026
Domestic lounge access
2 domestic lounge visits per calendar quarter by spending ₹60,000 in the previous quarter.
International lounge access
1 international lounge visits per calendar quarter by spending ₹60,000 in the previous quarter.
Dining programme
Extra 10% off on Dineout bill on participating restaurants.
Concierge
Smartbuy Concierge: Simply call on 1860 425 1188
Milestone benefits
₹1500 worth of voucher of top brands like Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon or Dominos on quarterly milestone spend of ₹1.5 Lakhs.
Movies and entertainment
'Buy One Get One' On BookMyShow.
Retention or continued-access criteria
The card account is closed by the Bank if the card is not used for a continuous period of 1 year and the cardholder does not start using it within 30 days of the Bank's notice
Minimum spend rules
5X Rewards on Swiggy and Zomato: minimum transaction value to be eligible for reward points is ₹200
Renewal benefit
The bank's documents don't say.Checked 19 Oct 2026
Golf
The bank's documents don't say.Checked 19 Oct 2026
Hotel or travel programme
The bank's documents don't say.Checked 19 Oct 2026
Priority Pass
The bank's documents don't say.Checked 19 Oct 2026
Membership tiers and what unlocks them
The bank's documents don't say.Checked 19 Oct 2026
Benefit given each anniversary year
The bank's documents don't say.Checked 19 Oct 2026
Fuel surcharge waiver
Fuel Surcharge waiver Not Applicable
Surcharge on railway tickets
1% of the transaction amount + GST will be charged on Railway Ticket Purchases
Air accident cover
Air accident insurance cover worth $125,000.
Credit shield cover
Credit Liability Cover of up to ₹9 Lakh
Lost card liability
Liability on lost card is covered to an extent of ₹900,000, for 2 days prior to Date of Block and 30 days post the Date of Block. Cover is available to the primary card holder.
Medical and hospitalisation cover
Emergency overseas hospitalization: $31,250
Travel insurance
Baggage delay cover of USD 625 for the primary card holder: only applicable for delay beyond a period of 8 hours for international flight, and maximum amount payable is $10 per hour. Travel Insurance will be activated if the tickets are purchased using Diners Card.
Balance transfer terms
1% of the transfer value or ₹250, whichever is higher.
Purchase to EMI conversion
repay over 9 to 36 months
Purchase protection
The bank's documents don't say.Checked 19 Oct 2026
Add-on card eligibility
The bank's documents don't say.Checked 19 Oct 2026
Forex markup
3.5% on foreign currency transactions.3.5% on all foreign currency spends
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
Cash advance fee
2.5% or ₹500 whichever is higher.
Cash advance interest
Finance charges on cash advances: 3.75% monthly and 45.0% annually (excluding GST)
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
Finance charges (excluding GST) on revolving credit and cash advances: 3.75% monthly and 45.0% annually
Interest-free period
Up to 50 days from date of purchase
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 charges on total outstanding exceeding the Credit limit: 2.5% of the overlimit amount, subject to a minimum of ₹550, 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
₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit 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 (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.
EMI conversion fee
Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant
Fee on online skill-based gaming spends
From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee 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, levied on the amount withdrawn and billed in the next statement.
Reward redemption fee
Processing fee of ₹99 + GST for each catalogue redemption request; a redemption request may contain one or multiple items/products redeemed together, and processing fee is charged once per 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
Spend ₹3 lakh within the anniversary year of the card to avoid the fee
Fuel transaction fee
1% fee will be levied on Fuel transaction exceeding ₹15,000 for consumer cards. Fee will be applied on the total transacted amount. Fee capped at ₹4999 per transaction.
Rent transaction fee
From 1st July 2025, 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 will be levied on utility spends exceeding ₹50,000 per Calendar month for consumer cards. Fee will be applied on the total Utility spends in a calendar month. Fee capped at ₹4999 per month.
GST note
Applicable on all Fees, Interest, and other Charges.
Grace days after the due date
3 grace days are allowed from the payment due date; late payment charges are levied when the account stays past due for more than 3 days.
Minimum amount due
MAD = GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) if higher than the Finance Charge, else 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); rounded to the next higher 10th digit; ₹200 if MAD is ₹200 or below; MAD = TAD if TAD is ₹200 or lower; MAD = OVL if OVL amount is higher than Computed MAD.
Fee for paying the bill by cheque
The bank's documents don't say.Checked 19 Oct 2026
Age the primary cardholder must be
Salaried: age 21 – 60 years. Self-employed: age 21 – 65 years.
Income requirement
Salaried: Net Salary (Monthly) — ₹35,000; Self-Employed: Annual ITR > ₹6,00,000.
Income, salaried
Net Monthly Salary ₹35,000
Income, self-employed
Annual ITR > ₹6,00,000
Minimum age
Salaried Age: 21 – 60 years Self-Employed Age: 21 – 65 years.
Documents required
Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills (electricity, water, gas, or telephone), Rental agreement; Income proof: Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, Bank statements
Residency
Indian National
Spend that unlocks lounge visits in the next period
₹60,000 eligible spends in previous calendar quarter.
The period milestones are measured over and when it resets
Quarterly milestone is measured over a calendar quarter: Jan – Mar; Apr – Jun; Jul – Sep; Oct – Dec.
How the earn rate is rounded
Reward Points are earned on transaction amounts in multiples of ₹200; residual amounts or transactions below ₹200 do not earn Reward Points.
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.
Spends that do not count toward the fee waiver
Excluded transactions: Cash on Call, Balance Transfer, Cash Withdrawal
What must be paid with the card for the cover to apply
Air Accident cover will be activated if the tickets are purchased using 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
What applies: ₹199 for non-metal cards
per MITC and Key Fact Statement v4.14, 9 Oct 2026
Fees and charges page says: ₹100
“The HDFC Bank Diners Club Privilege Credit Card charges ₹100 for replacing a lost or damaged card.”
“Reissue of Lost, Stolen or Damaged Card: • ₹199 for non-metal cards; • ₹3,500 for metal cards.”
On these lists
₹1,000 a year
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