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HDFC Bank Diners Club Privilege Credit Card Review 2022

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HDFC Bank

Diners Club Privilege Credit Card

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Welcome Offer:

Complimentary annual membership of Amazon prime, Zomato pro, MMT Black, BB stars and times prime.

Annual FeeJoining FeeInterest Rate(APR)Credit Score
₹2500₹25003.49% Per month – 41.88% AnnuallyGood/Excellent

HDFC Bank Diners Club Privilege Credit Card is a premium category credit card of hdfc bank for global citizen.

So, let check out some important details of this card like, features and benefits, fees and charges, rewards and cashback offers, interest rate, insurance and security, eligibility criteria etc. before reviewing it.

Key features of HDFC Bank Diners Club Privilege Credit Card

Here is the list of key features of HDFC Bank Diners Club Privilege Credit Card.

  • Earn 4 reward point on every Rs.150 spent.
  • Card holder will get a complimentary annual membership of BB star, Amazon prime, Zomato pro, MMT Black, and times prime.
  • Upto 10x reward points on spends via smart buy.
  • This card comes with complimentary 2 golf games per quarter in finest courses of world.
  • Exclusive discount at leading spas, salon, gyms and other wellness retreats. To know more about it Click here.
  • Foreign currency markup fees 2%.
  • 9 lac rupees credit liability cover.

Key Benefits of HDFC Bank Diners Club Privilege Credit Card

Here is the List of key benefits of HDFC Bank Diners Club Privilege Credit Card.

Welcome benefits

if you spend ₹75000 within the first 90 days or paid first year fees then you will get complimentary annual member ship of Amazon prime, Zomato pro, MMT Black, BB star and times prime.

Airport Lounge Access

HDFC Bank Diners Club Privilege Credit Card gives a 12 airport lounge access to their card holder as compliment. you can visit 1000+ airport lounges of India and outside of India using your priority pass.

This benefit is also available for add on priority pass holders.

Milestone Benefit

Dinners black credit card holders can select monthly one milestone benefits from ola select or cure.fit live 1 month subscription or BookMyShow or TataCliq voucher of ₹500 every month if they spend ₹40,000 in a month.

Annual spend Benefits

if card holder spends ₹5 lakhs annually then they will get complimentary annual member ship of BB star, Amazon prime, Zomato pro, MMT Black, and times prime.

Golf Privileges

HDFC Bank Diners Club Privilege Credit Card offers a 2 golf games per quarter at 15 golf courses of India and over a 100 golf courses of world.

Fuel Surcharge

Card holder will get 1% fuel surcharge wavier on all transaction minimum ₹400. Maximum surcharge wavier of ₹500 per statement.

Earn 10x and 2x reward points

Dinners black credit card holder can earn 10x and 2x reward points on their spends. Let see how?

  • Get upto 10x reward point when you use your card at selected partner brands of HDFC banks which is updated on HDFC bank website or Smartbuy.
  • Get 2x reward points when you spend at restaurant during weekend maximum 1000RP per day on the minimum spend of ₹150. To eligible for it you must have to pay directly using your credit card not from any wallet.

Rewards and cashback offer

Rewards and Cashback offers of HDFC Bank Diners Club Privilege Credit Card

  • You will get 4 rewards points when you spend ₹150.
  • upto 10% – 20% instant discount or cashback when you use your card at online shopping websites and shopping malls during the offer periods.
  • Earn up to 10x reward point when you use you HDFC Bank Diners Club Privilege Credit Card for your travel and shopping spends at https://offers.smartbuy.hdfcbank.com/diners.
  • Get 2x RP on weekend dinning.

Insurance and security

With your HDFC Bank Diners Club Privilege Credit Card, you will get some complimentary insurance and security benefits for yourself. Check out the below list.

  • Get upto ₹1 crore Air accidental death cover.
  • Upto ₹25 lac emergency overseas hospitalization protection for any medical emergency when you are travelling and outside from your home country.
  • Travel insurance cover upto ₹50,000 on baggage delay (10$ per hour upto 8 hours).
  • ₹9 lakh credit liability cover.

Fees, interest rate and Hidden charges

list of fees and hidden charges which is apply on your HDFC Bank Diners Club Privilege Credit Card.

DetailsFees and charges
Annual/Renewal fee₹2500 + GST
Minimum Due5% or min ₹200
Cash advance limit40% of your credit limit
Add on card feeNil
Credit revolving charges3.49 % per month and 41.88% annually
Auto EMI conversion charges20% ROI and ₹99 processing fee
Grace Period3 days from the payment due date
Cash advance charges2.5% of amount or ₹500 whichever is higher
Late payment charges₹100 to ₹1300 according to your statement amount
Overlimit amount charges2.5% of amount or minimum ₹550
Payment returns charges2% of amount or min ₹450
ATM or cash withdrawal fees₹100
Reward redemption feeNill
Balance transfer processing charge1% of amount or ₹250 whichever is high
Loan processing fee₹799 – ₹999
Loan preclosure charges3% of balance principal outstanding
Fuel surcharge1% wavier on min ₹400 transaction upto ₹500 per billing cycle.
Reissue of lost, stolen or damage card₹100
Forex transaction charges (Foreign Currency Markup)1.99%

Annual fee waiver off

if you wish to waiver off next year annual/renewal membership fee of your HDFC Bank Diners Club Privilege Credit Card then you have to spend ₹3,00,000 in a year. Mark that this amount is excluded from transactions like cash on call, balance transfer and cash withdrawal. So, you can use this for lifetime free by spending ₹3 lakh in every 12 months.

Eligibility criteria

If you are thinking to apply for HDFC Bank Diners Club Privilege Credit Card, then you must have to fulfil these criteria:

  • For salaried Indian national requires minimum age of 21 to 60 years with a monthly income of above ₹70000 per month.
  • For self-employed Indian national requires minimum age of 21 to 65 years with an ITR of more than ₹8.4 lakhs per annum.

Genuine Reviews of Diners Club Privilege Credit Card

Well, HDFC Bank Diners Club Privilege Credit Card is a premium privilege credit card which offers you a good reward point program, international travel benefits, golf games, premium memberships, and voucher.

So, if you wish to enjoy all of the above benefits of diners club privilege card you should apply for it. It is a one of the best reward card of india.

Reward Point Redemption  

You can easily redeem your HDFC Bank Diners Club Privilege Credit Card reward points from smartbuy or by login into your netbanking.

Reward point values and redeem for:

  • You will get value of 1RP = ₹0.5 if you book flight and hotels via smartbuy. Upto 70% of booking values.
  • If convert your reward point into Airmiles then you get the value of 1RP=0.5 Airmile.
  • You can redeem your RP at value of 1RP= upto ₹0.35 for product and gift vouchers via netbanking and smartbuy.
  • Convert your RP into cashback at the value of 1RP=₹0.20.

FAQ:

you can directly apply for HDFC Bank Diners Club Privilege Credit Card by visiting to official website of HDFC bank if you are feeling all the eligibility criteria of card. If you are existing customer of hdfc bank, then you can apply directly thought net banking and also apply offline by visiting the nearest hdfc bank branch.

You can easily activate your HDFC Bank Diners Club Privilege Credit Card by visiting to neatest HDFC bank ATM. Generate your credit card pin by entering OTP which you got on your registered mobile number and your card will be activated.

Other method of activating your card Is by login into internet banking of HDFC bank and generate your password online.

If your card is lost or stolen, you can easily block your card by contacting customer care no 1800-118-887 (Toll Free) and Landline no +91- 22 4232 0225of HDFC bank. You can also block your credit card by log in into internet banking or mobile app of HDFC bank.

HDFC Bank Diners Club Privilege Credit Card reward points are valid for 2 years after that it will be expired.

Redeeming your HDFC Bank Diners Club Privilege Credit Card reward points is very easy. You can redeem your reward point via netbanking and HDFC smartbuy.

you can easily pay your HDFC Bank Diners Club Privilege Credit Card bill via following options.

  • Mobile banking app
  • Net banking
  • ATM fund transfer
  • Cash
  • Cheque
  • Auto-pay
  • From a non-HDFC bank account
  • Other credit card payment app like Paytm, cred, PhonePe etc.

Late payment charges of HDFC Bank Diners Club Privilege Credit Card are various according to your statement amount. Let’s have look on it.

Amount Charges
Less than ₹100 Nil
₹100 to ₹500 ₹100
₹501 to ₹5,000 ₹500
₹5,001 to ₹10,000 ₹600
₹10,001 to ₹25,000 ₹800
₹25,001 to ₹50,000 ₹1100
More than ₹50,000 ₹1300

 

loan processing charges of HDFC Bank Diners Club Privilege Credit Card are various according to your loan type. Let’s see

Loan Type Processing fee
Insta loan ₹999 + GST
Jumbo loan ₹999 + GST
Smart EMI ₹799 + GST
Balance transfer on EMI 1% of loan amount + GST (Minimum ₹250)

 

Disclaimer: we always intend to provide you all updated details. But there is a possibility changes in data, rates, charges and fees by bank and issuer company. So kindly refer all the latest data by visiting official website of issuer before applying. We are not responsible for any legal or financial implication in any case.

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