HDFC Diners Club Privilege Credit Card Review

By | January 19, 2020

HDFC Bank recently added more benefits & privileges to the already most popular Diners Black and along with it raised the annual fee to Rs.10,000. That may not work out for all and still some cardholders might need better benefits compared to Diners Club Miles at an attractive fee, so I believe that’s how HDFC Diners Privilege came to the picture.

Diners Privilege is positioned a bit above Club Miles and below Diners Black. Its basically a trimmed down version of Diners Black and comes with 1/4th of its fee. Let’s see the benefits in detail.

HDFC Bank Diners Club Privilege Credit Card

Joining Fees

  • Joining/Annual Fee: 2,500 INR+GST (First Year Free usually)
  • Welcome Benefits: Complimentary memberships with Zomato Gold, Amazon Prime, Times Prime, Big Basket Star, MakeMyTrip Double Black (if fee is levied)
  • Renewal Fee waiver: Spend Rs. 3L in 12 Months

Its indeed interesting to see that HDFC is moving the welcome benefit from reward points to memberships.

While Amazon Prime & Zomato gold is a good one among, rest brands aren’t attractive enough. But anyway you can get it as FYF and get renewal fee waiver based on spend.

Reward Points

Regular Rewards

  • Earn 4 Reward Points for every Rs. 150/- spent
  • 1 RP = Rs.0.50 for Hotels/Flights (1.3% Reward Rate)
  • 2 RP = 1 Airmile (~1.3% Reward Rate)
  • Accelerated Rewards: 10X Rewards – Smartbuy + Diners Partners (13% Reward Rate)

Its surprising to note that Diners Privilege – a superior card compared to Diners Club Miles has lower conversion ratio for Airmiles. Maybe HDFC decided to keep Club Miles exclusive for that reason.

Note: Max. Cap for 10X Diners Partners is 10,000 compared to 5000 for Club Miles.

Milestone Rewards

  • Monthly Milestone: Complimentary choice of any 1 voucher can be availed amongst Ola Select membership or BookMyShow or TataCLiQ worth Rs. 500 every month on spends of Rs. 40,000 in a calendar month
  • Yearly Milestone: Complimentary annual memberships can be availed from below partners upon achieving annual spend milestone of Rs 5 Lakhs at the time of card anniversary. Zomato Gold, Amazon Prime, MakeMyTrip Double Privilege, Times Prime, BigBasket Star.

So if you’re hitting the monthly milestone regularly, you get a net reward rate of ~2.3% which is pretty decent.

And its tough to put a % on Yearly milestone as some may or may-not use the membership benefits. So just consider it as an added advantage.

Airport Lounge Access

  • Domestic & International: 12 Complimentary access / Calendar year
  • Above limits are shared with add-on cards as well.

Remember that the credit card itself gives you access to lounges both within India & in foreign countries, so you don’t need to deal with another set of plastic.

Also, as Delhi & Bangalore got separate section for Diners Cardholders recently, it makes sense to hold a Diners Credit Card.

Golf Privileges

  • 2 Complimentary Golf Games per Quarter

This is an unbelievable benefit to see on a credit card of this range as Golf games costs a lot for Banks that even Citi Prestige which is priced at Rs.20K annual fee had to revoke that benefit.

And given the usual restrictions in golf bookings, 2/qtr is more than enough for most people. But of-course this will stay only as long as not many uses it.

Other Benefits

  • Foreign Exchange Markup fee: 1.99% + GST (get additional 1% cashback by enabling Global Value Program)
  • Credit Shield: 9 Lakhs

How to Apply?

  • New Application Eligibility: >6 Lakh Annual Income
  • Upgrade: Limits above 2.5 Lakhs on existing HDFC card with good spends would help.

The new upgrade forms with Diners Privilege option is out, so if you need to apply for this new card, you may do so easily via branch.

Speaking about design, the card looks pretty good outdoors and bit dull indoors, similar to Axis Vistara Signature.

Note: Not to forget that the Diners Club network has acceptance issues especially outside India, so its safe to have a backup visa/mc.


  • CardExpert Rating: 4.2/5

Overall an amazing card for a fee of this range, especially if you play golf. For those who’re unable to make it to Diners Club Black or unhappy with its high annual fee, this card makes sense as it comes with most of what Diners Black has to offer, except the higher reward rate and higher max cap. on 10X rewards.

Also, if you hold Diners Club Miles and trying to upgrade to Diners Black, this card might get you one step closer, among other parameters.

Did any of you upgrade your HDFC card to Diners privilege? Feel free to share your experiences in the comments below.

Author: Siddharth

A Credit Card addict, minting reward points & air miles for years. Obsessed with aviation, airport lounges and luxury hotels. Helping Indians choose a right credit card and enjoy luxury travel at affordable cost.

14 thoughts on “HDFC Diners Club Privilege Credit Card Review

  1. Vishal

    Thanks for this review.

    I am getting an option to get Either Regalia or Diners Club Privilege as Life time free.Which one would you recommend ?

    1. Siddharth Post author

      LTF option? Interesting.

      Diners Club Privilege would do in most cases. But go through both articles to make sure it fits you.

      1. Neil

        I too got regalia LTF. Been using it now for about 2 months. It was upgraded from JP Platinum.

        1. Siddharth Post author

          HDFC stopped LTF since late 2019, maybe only on offline applications?

    2. Hari

      Is club privilege offered lifetime free? Can you share details on this please.

  2. Gopal

    I got this card recently,upgraded to this from Regalia first card.I am holding Regalia first,since 6 months,and my credit limit was 2.75 lakhs,before upgrading to Diners privilege.Basically I wanted this card for the golf games,and the advantage with HDFC is that,you can book overseas golf games also.ICICI Rubyx and sapphire are other cards where you can book overseas golf games.I have Rubyx ,SBI Prime,Axis Select and Axis Flipkart cards also.But with prime and Select credit cards,you can’t book golf games in other countries.I will try to spend mainly on Diners privilege and Select credit cards and will change Prime card to Simply click credit card in the near future.
    I applied for the Global value program with Diners card,but I didn’t get any response,before my trip to Dubai.I tried to use HDFC Rupay platinum debit card in Burj Al arab restaurant( Sahn Eddar),but it didn’t work,and Diners privilege card worked there.And I used my Diner’s privilege card for access to my wife,in Al Ahlan lounge in Dubai airport terminal 1 and they didn’t object.I used priority pass for myself.My wife has an add on Diner’s privilege card but I didn’t set the PIN for that,so couldn’t use that,and she forgot to bring her Diner’s club miles card with her,but the reception people were very courteous and they didn’t object when I gave my Diner’s card.The lounge is very good.

    1. Praveen Katiyar

      A lot of fellow enthusiasts including myself would like more insight on golf games, this is one benefit we may have but hardly use.
      Can u please elaborate or write a small article on it.
      @Sid, I request you to help all of us.
      Thanks in advance.

  3. Prashant Agrawal

    I decided to hold on Diners ClubMiles exclusively for the Vistara 1:1 transfers till I get a dedicated Vistara card.

    Please tell us more about separate section for Diners. It used to exist few years back but seemed to have been discontinued.

  4. Vaish

    On Diners/mastercard/pp , can addon user and primary user use the airport lounge on same day same time ?, given free access quota is not over? Asking mainly because mastercard gives same card number for hdfc.
    Also, can I use same card for 6 hour lounge access same day ?


    1. Gautam

      Yes, it is possible for 2 people with the same card number to use the lounge at the same time.

  5. SG

    I went to the Delhi T3 lounge a couple of weeks ago. There’s separate queues for Visa/Master and Amex/Diners, so people in the left queue tend to go to the left section and similar for ones on the right. I had DCB but I didn’t get the sense that only my queue was entitled to go to the new right section.


      If u take the stairs or the elevator to the plaza premium in t3 3rd floor, the right one is reserved for business class and the left one is for normal/economy class. I had a economy class ticket but i asked them which card they want amex or master…they told me to give me the amex one and sent me to the right to the more premium one. The right lounge had definitely some premium feeling and sitting was also ok. They have seperate dining tables there and food was awesome. I accessed the lounge with my emralde amex card.


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