HDFC Bank Diners Club Privilege Credit Card

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Payment Return Charges: 2% subject to min ₹450.
• Overlimit charges: 2.5% of overlimit amount subject to min ₹550.
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per request.
• Cashback Redemption Charges: ₹50 per redemption.
• Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
• Duplicate physical statement: ₹10.
• Card Validation charges: ₹2.
• Reissue of lost/stolen/damaged card: ₹199 (effective 15th May 2026).
• Dynamic Currency Conversion markup fee: 1.75% w.e.f 15th May 2026 on transactions in INR at international location or Indian merchants registered overseas.
• Rent Pay: 1% (capped ₹4999/txn).
• Fuel charges: 1% on fuel transactions exceeding ₹15,000 (consumer, capped ₹4999/txn).
• Utility charges: 1% on utility spends exceeding ₹50,000/month (capped ₹4999/month).
• Education charges: 1% on education via third-party apps (capped ₹4999/txn).
• Online Skill-based Gaming: 1% over ₹10,000/month (w.e.f 1st July 2025, capped ₹4999/month).
• Wallet Loading (excl PayZapp): 1% over ₹10,000/month (w.e.f 1st July 2025, capped ₹4999/month).
• Add-on Card Fee: Lifetime Free.
• Late Payment Charges by slab up to ₹1300 for balance over ₹50,000 (w.e.f 1st August 2024).

Verified · Most Important Terms & Conditions (MITC) - covers Diners Privilege · 2026-07-30 · source

Interest-free period

• Interest free (grace) period could range from 20 to 50 days, subject to scheme and submission of claims by merchant.
• Not applicable if previous balance not cleared in full or cash withdrawn from ATM.

Verified · Most Important Terms & Conditions (MITC) - covers Diners Privilege · 2026-07-30 · source

Fuel surcharge waiver

Fuel surcharge waiver Not Applicable for Diners Privilege.

Verified · Most Important Terms & Conditions (MITC) - covers Diners Privilege · 2026-07-30 · source

Reward cap

• 5X (16 accelerated / 4X) reward points on Swiggy & Zomato capped at 2500 reward points per calendar month across both merchants combined.
• Base 4 RP per ₹200 continues without capping.
• Fair Usage: max 50,000 reward points per statement cycle.
• Insurance transactions capped 2,000 RP per month (w.e.f 1st July 2025).
• Grocery capped 2,000 RP per month.
• Utility and Telecom each capped 2,000 RP per month (w.e.f 1st Sep 2024).
• Flight & hotel redemption capped 50,000 RP per calendar month.
• Credit Card purchases via UPI earn up to max 500 points per calendar month.

Verified · harvested from product page · 2026-07-30 · source

Reward exclusion

Verified · harvested from product page · 2026-07-30 · source

Milestone benefit

Quarterly Milestone: Choose any one ₹1500 voucher from Marriott, Dominos, Decathlon, Barbeque Nation, O2 Spa or Lakme Salon upon net spends of ₹1,50,000 or more in a calendar quarter.

Verified · harvested from product page · 2026-07-30 · source

Dining benefit

• Entertainment Benefit: 'Buy One Get Free' on BookMyShow - offer applicable for shows on Friday, Saturday and Sunday.
• Maximum discount ₹250 per ticket, up to 2 free tickets every calendar month.
• Valid on purchase of minimum 2 tickets.

Verified · harvested from product page · 2026-07-30 · source

Insurance

• For Diners Privilege primary cardholder (Policy 2999204800579203000, 23 July 2025 - 22 July 2026): Air Accident cover USD 125,000.
• Emergency Medical Expenses USD 31,250 (international travel outside India).
• Card/Financial Liability Cover INR 900,000.
• Baggage Delay USD 625 (beyond 8 hours, international, max $10/hour).
• Loss of Personal Documents USD 625.
• Hijacking USD 625 ($75 per 6 hours, deductible 12 hours).
• Insurance partner HDFC Ergo.

Verified · harvested from product page · 2026-07-30 · source