HDFC Diners Privilege Credit Card 2025
Save over ₹30,000+ every year with 10X rewards + low forex!
Best mid-premium all-rounder! HDFC Diners Privilege gives 10X rewards on SmartBuy, 8 lounge visits, 2% forex markup, ₹1,500 Amazon voucher, and easy ₹2,500 fee waiver.
Perfect balance of rewards & travel benefits!
Why Choose Diners Privilege in 2025?
10X SmartBuy rewards • 8 lounge visits • 2% forex • ₹1,500 voucher • ₹2.5K fee waiver on ₹3L
Best for: SmartBuy users, moderate travelers, ₹50K+/month spenders
Card At a Glance
₹2,500 + GST
₹2,500 + GST (Waived on ₹3L)
10X SmartBuy | 4X Others
₹1,500 Amazon Voucher
8 visits/year
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Annual Fee | ₹2,500 + GST (Waived on ₹3L spend) |
| Welcome Benefit | ₹1,500 Amazon voucher |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 10X Reward Points on SmartBuy (flights, hotels, Amazon)
- 4X Reward Points on all other spends
- 1 RP = ₹0.50 (vouchers) | 1:1 airmiles
- Max 20,000 RP/month on 10X category
- Points valid 2 years
Airport Lounge Access
8 complimentary domestic lounge visits per year
2 visits per quarter
No minimum spend required
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹15 Lakh personal accident cover
- ₹9 Lakh emergency hospitalization
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X SmartBuy rewards | 20K RP monthly cap |
| 8 lounge visits/year | 3.6% interest rate |
| 2% low forex markup | 2-year point expiry |
| ₹1,500 welcome voucher | Only 8 lounge visits |
| Easy ₹3L fee waiver | No international lounges |
| 1:1 airmiles transfer |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹9 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit HDFC website and select Diners Privilege
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best mid-premium all-rounder! 10X SmartBuy + 8 lounges + 2% forex = ₹30,000+ value. Perfect for SmartBuy users & moderate travelers!
Frequently Asked Questions (FAQs)
10X on SmartBuy?
Yes! Flights, hotels, Amazon via HDFC SmartBuy portal.
Fee waiver threshold?
₹3 Lakh annual spend waives ₹2,500 fee.
2% forex markup?
Yes! One of the lowest in mid-premium segment.
8 lounge visits enough?
Yes for moderate travelers (2/quarter).
SmartBuy mandatory?
No! 4X on direct spends too.