DPDINERS
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Diners PrivilegeHDFC Bank
Fees & charges
| Joining fee | ₹1,000 + applicable taxes (GST) |
|---|---|
| Annual / renewal fee | ₹1,000 + applicable taxes (GST) |
| Renewal-fee waiver | ₹3 lakh spend in the anniversary/renewal year |
| Network | DINERS Diners Club |
Rewards & benefits
| Reward rate | 4 Reward Points per ₹200 spent; 5X points on Swiggy/Zomato online food orders; up to 10X points via SmartBuy |
|---|---|
| Welcome benefit | Complimentary annual memberships of Swiggy One & Times Prime on ₹75,000 spends within first 90 days of issuance |
| Lounge access | 2 domestic + 1 international lounge visits per calendar quarter (unlocked by spending ₹60,000 in the previous quarter) |
| Key benefits | Super-premium Diners card: 5X on Swiggy/Zomato & up to 10X on SmartBuy, quarterly domestic+international lounge access, milestone vouchers (Marriott/Decathlon), Swiggy One + Times Prime welcome memberships |
Eligibility & status
| Eligibility / income | Salaried: net monthly income ≥ ₹35,000; Self-employed: ITR income > ₹6 lakh/year |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹1000MITC v4.3, fee table L245-248 | Joining/Renewal Membership Fee – ₹1,000/- + Applicable Taxes | ✓ |
| Fee waiver (min spend) | ₹3 Lakh / AnnumMITC v4.3, fee table L245-248 | Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off. | ✓ |
| Fuel surcharge waiver | Fuel Surcharge waiver Not ApplicableMITC v4.3, fee table L245-248 | NOT STATED | • |
| Forex markup | 3.5%MITC v4.3, fee table L245-248 | Foreign Currency Markup: Nominal 3.5% on all your foreign currency spends. | ✓ |
| Reward rate | Not in MITC (product term) | 5X Reward Points on online food orders on Swiggy, Zomato, 4 points for every ₹200 spent elsewhere, and up to 10X points on spends via SmartBuy. | • |
| Welcome benefit | Not in MITC | Complimentary Annual Memberships of Swiggy One & Times Prime as Welcome Benefit on Rs. 75,000 spends in first 90 days of card issuance | • |
| Lounge access | Not in MITC | Enjoy 2 domestic and 1 international lounge visits per calendar quarter by spending Rs. 60,000 in the previous quarter. (Update- Starting 01 July 2026, customer will be able to avail 3 Airport Lounge Access Vouchers in a calendar quarter on Rs. 60,000 eligible spends in previous calendar quarter. 3 vouchers will consist of 2 Domestic Lounge Vouchers & 1 International Lounge Voucher.) | • |
| Eligibility | Not in MITC | Salaried: Nationality: Indian National; Age: 21 – 60 years; Net Salary (Monthly) - ₹35,000. Self-Employed: Nationality: Indian National; Age: 21 – 65 years; Annual ITR > ₹6,00,000 | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/Renewal Membership Fee – ₹1,000/- + Applicable Taxes
- Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
- 5X Reward Points on online food orders on Swiggy, Zomato, 4 points for every ₹200 spent elsewhere, and up to 10X points on spends via SmartBuy.
- Complimentary Annual Memberships of Swiggy One & Times Prime as Welcome Benefit on Rs. 75,000 spends in first 90 days of card issuance
- Enjoy 2 domestic and 1 international lounge visits per calendar quarter by spending Rs. 60,000 in the previous quarter.
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