HDFC Bank Diners Club Privilege Credit Card

4 points/₹200 eligible retail, valued for SmartBuy flights and hotels.

How this estimate works

HDFC Diners Club Privilege earns 4 reward points per ₹200 of eligible retail spend on its current issuer card page. Grocery points are capped at 2,000 per calendar month; fuel, rent, government, EasyEMI and wallet loads do not earn. HDFC lists ₹0.50 per point for SmartBuy flights and hotels, with a maximum 50,000 points redeemed per calendar month and up to 70% of a booking paid with points. The estimate assumes one qualifying purchase monthly and enough future travel to redeem points, up to that monthly limit. It deducts ₹99 plus estimated GST for each needed reward redemption and the ₹1,000 joining fee plus estimated GST separately. The issuer product page states four points per ₹200, while a linked older portfolio document says per ₹150; this model uses the current card page, not the older document. The page lists 5X Swiggy/Zomato points, but its linked terms use a different earn increment; the model counts only the base rate for food orders and does not project the bonus. SmartBuy accelerated earning, movie BOGO, welcome memberships, milestone vouchers, lounges and the ₹3 lakh preceding-year renewal-fee waiver are omitted. This is a travel-use value, not cash; booking prices and availability affect the actual return.

Issuer terms

Issuer card, earn and redemption · Issuer joining/renewal fees

Terms checked 29 September 2026. SmartBuy travel redemption, 50,000-point monthly redemption cap, 70% booking limit and fee apply.