HDFC Diners Club Privilege Credit Card: Everything You Need to Know
The HDFC Diners Club Privilege Credit Card is designed for individuals who wish to enjoy the best of dining, entertainment, and travel benefits. With its rich collection of rewards, welcome benefits, and exclusive perks, this card is ideal for those who lead a premium lifestyle. In this comprehensive guide, we will explore the eligibility criteria, key features, benefits, and other essential details about the HDFC Diners Club Privilege Credit Card.
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HDFC Diners Club Privilege Credit Card Overview
The HDFC Diners Club Privilege Credit Card is one of the most sought-after credit cards for those who value luxury and convenience. Offering a wide range of benefits, from reward points to airport lounge access, this card ensures that cardholders enjoy a premium experience wherever they go. Whether you are a frequent traveler, foodie, or entertainment enthusiast, this card caters to all aspects of your lifestyle.
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Eligibility Criteria for HDFC Diners Club Privilege Credit Card
Before applying for the HDFC Diners Club Privilege Credit Card, you must meet certain eligibility criteria. Below are the detailed requirements:
For Salaried Indian Nationals
- Age: Minimum 21 years and Maximum 60 years
- Net Monthly Income: Greater than ₹35,000
For Self-Employed Indian Nationals
- Age: Minimum 21 years and Maximum 65 years
- Income: ITR greater than ₹6 Lakhs per annum
These eligibility criteria are designed to ensure that only individuals with a stable financial background can apply for this prestigious credit card.
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Key Features of HDFC Diners Club Privilege Credit Card
The HDFC Diners Club Privilege Credit Card comes with an array of exciting features that set it apart from other credit cards. Here are the key features of this card:
1. Dining & Entertainment Benefits
- ‘Buy 1 Get 1 Free’ on all movie/non-movie weekend tickets via BookMyShow. The offer is applicable for shows on Friday, Saturday, and Sunday, with a maximum discount of ₹250 per ticket and up to 2 free tickets per month.
- 5X Reward Points on Swiggy and Zomato for your food delivery orders. Additionally, earn 4X Reward Points, capped at 2,500 reward points per month.
- Exclusive Dining Discounts: Enjoy exclusive offers on dining with the Good Food Trail Program. Get up to 20% off at 20,000+ restaurants across India when you pay via the Swiggy Dineout app.
2. Travel Benefits
- Complimentary Airport Lounge Access: Enjoy 2 complimentary lounge accesses per calendar quarter worldwide at domestic and international lounges.
- 10X Reward Points on booking flight tickets and stays at over 150+ hotels (both domestic and international) via the SmartBuy platform.
- Accidental Air Death Cover: Get coverage worth ₹1 crore on accidental death while traveling by air.
3. Welcome Benefits
- Receive Complimentary Annual Memberships of Swiggy One and Times Prime on spending ₹75,000 within the first 90 days of card issuance.
4. Milestone Benefits
- Get ₹1,500 worth vouchers from brands like Marriott, Decathlon, Barbeque Nation, and more for spending ₹1.5 lakh in a calendar quarter.
5. Credit Benefits
- Enjoy up to 50 days of interest-free credit on your purchases from the date of transaction.
- Revolving Credit: Available at a nominal interest rate for large purchases, allowing you to convert them into easy EMIs.
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Additional Features and Perks
1. Reward Points Accrual
- Earn 4 Reward Points for every ₹150 spent on retail purchases, including online and in-store transactions.
- Earn 20 Reward Points for every ₹150 spent on Swiggy and Zomato.
- Earn up to 10X Reward Points for booking flights and stays through SmartBuy.
2. Foreign Currency Markup
- 3.5% markup on foreign currency spends. These charges are billed within 60 days from the date of the transaction. The currency conversion rate is applicable at the time of settlement.
3. Contactless Payments
- The card is enabled for contactless payments, making transactions faster and more convenient.
4. Travel and Emergency Insurance
- Emergency Overseas Hospitalization coverage of up to ₹25 lakh.
- Travel Insurance coverage for baggage delay up to ₹50,000, with capped compensation for delays of more than 8 hours.
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Lounge Access with HDFC Diners Club Privilege Credit Card
One of the most significant perks of the HDFC Diners Club Privilege Credit Card is the Airport Lounge Access:
- 2 Complimentary Lounge Accesses every calendar quarter worldwide (both domestic and international terminals).
- Use the Priority Pass for additional lounge access outside India.
The lounge access can be used at over 1,000 lounges globally, making it an excellent option for frequent flyers.
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How to Redeem Your Reward Points
Your HDFC Diners Club Privilege Credit Card offers a seamless way to redeem your reward points for exciting benefits. You can redeem your reward points for:
- Flights and Hotel bookings via SmartBuy at a value of 1 RP = ₹0.50.
- Exclusive Privilege Dining Catalogue offers from premium restaurants at 1 RP = ₹0.50.
- Cashback with a conversion rate of 1 RP = ₹0.20.
- Shop for products via the SmartBuy platform using your reward points.
You can easily track your reward points and redeem them by visiting offers.smartbuy.hdfcbank.com/diners.
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Renewal and Milestone Benefits
The HDFC Diners Club Privilege Credit Card comes with attractive renewal and milestone benefits:
- Renewal Fee Waiver: Waive off the renewal fee for the next year if you spend ₹3 lakh in the anniversary year.
- Milestone Benefits: Get ₹1,500 worth vouchers on quarterly spends of ₹1.5 lakh.
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Insurance and Protection
The HDFC Diners Club Privilege Credit Card comes with comprehensive insurance and protection coverage, including:
- Accidental Air Death Cover of ₹1 crore.
- Emergency Overseas Hospitalization coverage of up to ₹25 lakh.
- Credit Liability Cover of ₹9 lakh.
- Travel Insurance for baggage delays.
These benefits offer peace of mind during travel and day-to-day usage of the card.
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HDFC Diners Club Privilege Credit Card Fees and Charges
Here is a summary of the fees and charges associated with the HDFC Diners Club Privilege Credit Card:
- Joining Fee: ₹1,000 + applicable taxes (Effective from 13th November 2024 onwards).
- Annual Fee: ₹1,000 + applicable taxes.
- Foreign Currency Markup: 3.5% on all foreign currency spends.
- Late Payment Charges: Depending on the outstanding balance, fees apply for late payments.
- Cash Withdrawal Fee: Cash withdrawal fees are applicable as per the terms and conditions.
For more detailed information, visit the official HDFC Bank website.
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How to Apply for HDFC Diners Club Privilege Credit Card
To apply for the HDFC Diners Club Privilege Credit Card, follow these steps:
- Visit the Official HDFC Bank Website: Go to the credit card section.
- Choose the Diners Club Privilege Credit Card: Select the card and click on the apply now button.
- Fill in the Application Form: Provide your personal, professional, and financial details.
- Submit Documents: Upload the necessary documents like ID proof, address proof, and income proof.
- Wait for Approval: After the bank processes your application, you will be notified about the approval.
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Conclusion
The HDFC Diners Club Privilege Credit Card is a premium offering that caters to individuals who want to enhance their lifestyle with exclusive dining, travel, and entertainment benefits. With its generous rewards program, milestone benefits, airport lounge access, and comprehensive protection, this credit card is a great choice for those looking to experience luxury and convenience at every step.
If you meet the eligibility criteria and are looking for a card that offers top-tier benefits across dining, travel, and shopping, the HDFC Diners Club Privilege Credit Card is worth considering. Apply today and enjoy the privileges that come with being a part of the Diners Club Privilege experience.
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