Verified — 16/16 categories
HDFC · Diners Club
HDFC Diners Club Privilege Credit Card
Best forTravel & Food Delivery
Earns40 RP/₹150 on travel
1st Year / Joining Fee
₹2,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹3,00,000
annual spend
Network
Diners Club
HDFC
HDFC Diners Club Privilege Credit Card
Diners ClubWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on travel and food delivery, where it earns 40 RP/₹150
- Annual fee is waived at ₹3,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Travel40 RP/₹150
Food Delivery20 RP/₹150
Education4 RP/₹150
Insurance4 RP/₹150
Utilities4 RP/₹150
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on educationDetails
|
| Insurance | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on insuranceDetails
|
| Utilities | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on utilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on groceriesDetails
|
| Dining | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on diningDetails
|
| Food Delivery | 20 RP/₹150 | 2,500 RP per month | 5X points (20 RP / ₹150 = 6.67%) on Swiggy and Zomato (cap 2,500 RP/mo)Details
|
| Shopping | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on retail shoppingDetails
|
| Travel | 40 RP/₹150 | 2,500 RP per month | Up to 10X points on SmartBuy flight and hotel bookings (cap 2,500 RP/mo)Details
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on railwaysDetails
|
| FASTag | No reward | — | —Details
|
| Jewellery | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on jewelleryDetails
|
| Telecom | 4 RP/₹150 | — | 4 RP / ₹150 (1.33%) on telecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹2,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹3,00,000
annual spend
Reward caps
- Food Delivery — 2,500 RP / month (per category — Food Delivery)
- Travel — 2,500 RP / month (per category — Travel)
Spending thresholds
- Spend ₹40,000 per month → Monthly milestone: Spend ₹40,000 in a calendar month and select 1 voucher worth ₹1,500 (₹18,000 annualized value)
Key benefits
Rewards
40 RP/₹150 on travel
Fuel surcharge waiver
1% fuel surcharge waiver on transactions ₹400-₹5,000, max ₹500/statement
Milestone benefit
Monthly milestone: Spend ₹40,000 in a calendar month and select 1 voucher worth ₹1,500 (₹18,000 annualized value)
Fee waiver
Annual fee waived on ₹3,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Food Delivery rewards are capped at 2,500 RP / month (per category — Food Delivery)
- Travel rewards are capped at 2,500 RP / month (per category — Travel)
- No reward on: Rent, Fuel, Government, Wallet +1 more
- Spend ₹40,000 per month → Monthly milestone: Spend ₹40,000 in a calendar month and select 1 voucher worth ₹1,500 (₹18,000 annualized value)
Who should consider this card
✓ Good fit if
- Your spending is concentrated in travel, food delivery, education
- You can reach the ₹3,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 2 caps · 5 no-reward categories
Caps
- Food Delivery — 2,500 RP / month (per category — Food Delivery)
- Travel — 2,500 RP / month (per category — Travel)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
- FASTag — No reward.
Milestones · 1 recorded
- Spend ₹40,000 per month → benefit worth ₹18,000 — Monthly milestone: Spend ₹40,000 in a calendar month and select 1 voucher worth ₹1,500 (₹18,000 annualized value).
Eligibility
Subject to HDFC's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Diners Club
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions ₹400-₹5,000, max ₹500/statement.
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-27
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-27
Documents used
Official Diners Privilege schedule, 5X Swiggy/Zomato, SmartBuy 10X, ₹40k monthly voucher · SRC-HDFC-DINERS-PRIVILEGE