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HDFC Bank
HDFC Diners Club Privilege
Diners ClubPremiumPoints
💰
Annual Fee
₹2,500
🎁
Reward Type
Points
🌍
Forex
2%
✈️
Lounge
12 dom · 6 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹2,500
Annual Fee₹2,500(waived ≥ ₹3,00,000)
Min Monthly Income₹60,000
Rewards
Reward TypePoints
Base Rate1.3%
Point Value₹0.5/point
Category Multipliers
dining2.6%smartbuy hotels10%smartbuy flights10%
Redemption Values
flights₹1/pt
statement credit₹0.5/pt
Travel & Global
Forex Markup2%
Domestic Lounge12 visits/yr
Intl. Lounge6 visits/yr
Lounge NetworkDiners Club
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Spend ₹3L annually to waive ₹2,500 fee. SmartBuy bookings can accelerate.
⚖️ Breakeven Analysis
To recover the ₹2,500 annual fee at the base reward rate of 1.3%, you need to spend ₹1,92,308 annually.
🎯 Pro Tips
- ▸10X on SmartBuy flights/hotels — book all travel here
- ▸12 complimentary domestic lounges per year
- ▸Milestone: ₹80K spend → golf access voucher
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹7,250
Effective Rate
0.6%
Ranked #99 of 173 cards#99
₹2,500 annual fee deducted from gross rewards value.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| SmartBuy FlightsBEST | ₹1/pt via SmartBuy | 10K pts = ₹10K flight | Frequent flyers |
🏷️ Best For
traveldininglifestylepremium