The HDFC Bank Diners Club Privilege Credit Card is designed to elevate your dining and entertainment experiences. With this card, you can enjoy a host of exclusive benefits and rewards. You’ll receive ‘Buy 1 Get 1 Free’ offers on movie tickets through BookMyShow, 5X Reward Points on popular food delivery platforms Swiggy and Zomato, and complimentary annual memberships of Swiggy One and Times Prime. Additionally, on quarterly spends of Rs. 1.5 lakh, you can earn vouchers worth Rs. 1,500 for renowned brands like Marriott and Decathlon. The card also provides access to eight complimentary airport lounges worldwide, making your travel more comfortable. You’ll earn 4 Reward Points for every Rs. 150 spent and have the option to redeem them for flights, hotel bookings, dining experiences, and cashback. With its contactless payment feature and comprehensive insurance coverage, the HDFC Bank Diners Club Privilege Credit Card is a convenient and rewarding choice for those who appreciate fine dining and entertainment.
Benefits and Features of HDFC Bank Diners Club Privilege Credit Card
The HDFC Bank Diners Club Privilege Credit Card offers a range of features and benefits to enhance your dining and entertainment experiences. Here is a summary of the key features:
Reward Type: Reward Points
Key Features:
1. ‘Buy 1 Get 1 Free’ on all tickets via BookMyShow.
2. 5X Reward Points on Swiggy and Zomato.
3. Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit.
4. Quarterly spends of Rs. 1.5 lakh earn vouchers worth Rs. 1,500 for Marriott, Decathlon, and more.
5. 8 Complimentary airport lounge access worldwide.
6. Earn 4 Reward Points for every Rs. 150 spent.
Additional Features:
1. Travel benefits: Earn up to 10X Rewards on flight tickets and hotel bookings.
2. Interest-free credit period: Enjoy up to 50 days of interest-free credit.
3. Credit Liability Cover: Coverage of Rs. 9 lakh.
4. Foreign Currency Markup: 2% on foreign currency spends.
5. Revolving Credit: Available at a nominal interest rate.
6. Customer Care: Contact HDFC Phone Banking or Smartbuy Concierge for assistance.
Lounge Access:
Enjoy 8 complimentary airport lounge access worldwide for both primary and add-on card members. Access is applicable upon spending Rs. 15,000 in the previous calendar quarter.
Welcome Benefits:
Receive complimentary annual memberships of Swiggy One and Times Prime on spending Rs. 75,000 within the first 90 days of card issuance.
Dining & Entertainment Benefits:
1. ‘Buy 1 Get 1’ offer on weekends on BookMyShow.
2. 5X Reward Points on Swiggy and Zomato.
Milestone Benefit:
Earn vouchers worth Rs. 1,500 from Marriott Experience, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon on spending Rs. 1.5 lakhs in a calendar quarter.
Renewal Offer:
Renewal fee waiver for the next year on spending Rs. 3 lakhs in the card anniversary year.
Contactless Payment:
The HDFC Bank Diners Club Privilege Credit Card is enabled for contactless payments, allowing fast and secure transactions at retail outlets.
Insurance/Comprehensive Protection:
Coverage includes accidental air death worth Rs. 1 crore, emergency overseas hospitalization up to Rs. 25 lakhs, and travel insurance for baggage delay.
Reward Point/Cashback Redemption & Validity:
Redeem reward points for flights, hotel bookings, dining, and cashback through Smartbuy or NetBanking.
Good Food Trail Program:
Enjoy discounts of up to 20% on restaurant bill payments through Swiggy Dineout.
Please note that the terms and conditions, eligibility criteria, and benefits may vary. It is recommended to refer to the official HDFC Bank website or contact the bank directly for the most accurate and up-to-date information.
HDFC Bank Diners Club Privilege Credit Card Eligibility:
To be eligible for the HDFC Bank Diners Club Privilege Credit Card as a salaried Indian national, you should be between the ages of 21 and 60. Additionally, your net monthly income should be above Rs. 70,000. This income requirement ensures that you have a stable financial standing to handle the credit card’s privileges and responsibilities.
For self-employed Indian nationals, the eligibility criteria are slightly different. The age range remains the same, between 21 and 65 years. However, the income requirement is based on your annual income tax return (ITR), which should be above Rs. 8.4 lakhs per annum. This criterion ensures that you have a consistent and substantial income as a self-employed individual.
Meeting these eligibility requirements demonstrates your financial stability and capacity to handle credit card payments and obligations. It also helps ensure that you can make the most of the card’s features and rewards.
It’s important to note that meeting the eligibility criteria doesn’t guarantee automatic approval for the credit card. The final decision on your application will be subject to the bank’s evaluation of your creditworthiness, based on various factors such as your credit score, credit history, and overall financial profile.
It is advisable to check with HDFC Bank directly for the most accurate and up-to-date eligibility criteria and requirements before applying for the HDFC Bank Diners Club Privilege Credit Card.
Fees and Charges
1. Infinia (Metal Edition):
– Annual Income Requirement: ₹10 lakh per annum
– Annual Fee Waiver: Capped at ₹1,000 every billing cycle
2. Infinia:
– Annual Income Requirement: ₹8 lakh per annum
– Diners Black: ₹5 lakh per annum
3. HDFC Bank Times:
– Annual Income Requirement: ₹1.5 lakh per annum
– Annual Fee Waiver: Capped at ₹250 every billing cycle
4. IRCTC HDFC Bank Credit Card:
– Best Price Save Smart: ₹50,000 per annum
5. Regalia Gold:
– Annual Income Requirement: ₹4 lakh per annum
– Regalia, Business Regalia, Diners Privilege, Diners Club Premium, Doctor’s Regalia: ₹3 lakh per annum
– Waiver capped at ₹500 every billing cycle (except for Diners Privilege fuel surcharge waiver, which is not applicable from 1st Aug ’23)
6. Tata Neu Infinity:
– Annual Fee: ₹1,499
7. Times Platinum:
– Annual Income Requirement: ₹2.5 lakh per annum
– Annual Fee: ₹1,000
8. Regalia First, Business Regalia First:
– Annual Income Requirement: ₹1 lakh per annum
9. Diners ClubMiles, Diners Club Rewardz, 6E Rewards Indigo XL:
– Annual Income Requirement: ₹50,000 per annum
10. Indian Oil HDFC Bank:
– Annual Income Requirement: ₹50,000 per annum
– Annual Fee: ₹500
Please note that these are just brief summaries of the eligibility criteria for each credit card. It’s always advisable to refer to the official HDFC Bank website or contact the bank directly for the most accurate and up-to-date information regarding eligibility requirements.
Frequently asked questions (FAQs)
Here are some common questions and answers:
1. How do credit cards work?
Credit cards allow you to make purchases on credit, up to a certain limit set by the card issuer. You can use the card to pay for goods and services, and you’ll receive a monthly statement detailing your transactions. You can choose to pay off the full balance or make a minimum payment, with interest charged on the remaining balance.
2. What are the benefits of having a credit card?
Credit cards offer various benefits, such as convenience, rewards programs, cashback offers, travel perks, and purchase protection. They can also help build your credit history when used responsibly.
3. How can I apply for a credit card?
You can apply for a credit card online through the bank’s website or by visiting a branch in person. You’ll need to provide personal and financial information, such as your income, employment details, and identification documents.
4. What is the interest rate on credit cards?
Credit card interest rates, also known as Annual Percentage Rates (APRs), can vary depending on the card issuer and the type of card. It’s important to understand the interest rate and any applicable fees before using a credit card.
5. How can I manage my credit card payments?
You can manage your credit card payments by keeping track of your spending, paying your bills on time, and avoiding carrying a high balance. Setting up automatic payments or reminders can help ensure you don’t miss any payments.
Conclusion:
Credit cards can be valuable financial tools when used responsibly. They offer convenience, rewards, and financial flexibility. It’s important to choose a credit card that suits your needs and financial situation, considering factors such as annual fees, interest rates, rewards programs, and eligibility criteria. Remember to use credit cards responsibly, make payments on time, and keep track of your spending to maintain a healthy financial profile.
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