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PremiumPremiumDiners Club

Diners Club Premium Credit Card

No longer offered

HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Annual fee₹2,500Waived on ₹3.0L spend
Rewards1%Assumes 1 RP = ₹0.50 via SmartBuy flight & hotel bookings (issuer's highest/primary marketed redemption path, listed first); max 70% of booking value payable with reward points, balance by Credit Card. Other paths lower: Products Catalogue/vouchers up to ₹0.35, Cashback up to ₹0.20.
Forex markup2%Lowest markup on foreign currency transactions of just 2%

Welcome benefits

2,500 Reward points on card activation

Type
Reward Points
Trigger
Activation

Rewards

Base earn rate

Earn 4 Reward Points for every ₹200 spent

Redemption options

Flights hotels smartbuy:₹0.50 per pointAirmiles:₹0.50 per pointProducts vouchers:₹0.35 per pointCashback:₹0.20 per point
  • • Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
  • • Redemption fee: ₹99

Fees & charges

Joining fee
₹2,500 plus applicable taxes
Annual / renewal fee
₹2,500 plus applicable taxes
Annual fee waiver
Renewal fee waiver on spending ₹3 lakh or more in a year before renewal date
Interest rate
3.6% per month on outstanding amounts past the due date
Interest-free period
50 days
Cash advance fee
2.5% fee, minimum ₹500, on all cash withdrawals
Overlimit fee
2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour
2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup
Lowest markup on foreign currency transactions of just 2%
DCC markup
2%
Reward redemption
₹99 per redemption

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹5,000₹600
₹5,001 – ₹10,000₹750
₹10,001 – ₹25,000₹900
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Insurance covers

Air accident

₹100L

Accidental air death cover worth ₹1 crore

Travel insurance

₹50,000

Medical emergency

₹25L

Baggage loss

₹50,000

Credit liability

₹9L

Features

✓ Contactless✓ International usage✓ Concierge service

Additional features

  • Credit Card Registration and Activation
  • Set up your Card PIN
  • Manage Card Controls like Online Spends, Contactless Transactions
  • View Transactions / Download e-Statements
  • Check Reward Points
  • Block/ Re-Issue Your Card
  • Single Interface for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans
  • Spends tracking
  • View and redeem points at the push of a button

Card management via MyCards.

Is this card worth it for you?

₹10,000₹5,00,000

Rewards / year

₹6,000

≈ 1.00% effective

Annual fee

₹0 (waived)

waived at ₹3,00,000/yr spend

Net steady-state return

+₹6,000/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹6,000 a year.

One-time joining fee (year 1 only): ₹2,500

One-time welcome benefit: ~₹1,250 — 2,500 Reward Points credited on card activation (unconditional on activation).

Based on published rates as of 2026-08-07; assumes 1 RP = ₹0.50 via SmartBuy flight & hotel bookings (issuer's highest/primary marketed redemption path, listed first); max 70% of booking value payable with reward points, balance by Credit Card. Other paths lower: Products Catalogue/vouchers up to ₹0.35, Cashback up to ₹0.20.. Rewards estimates, not guarantees.

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Joining₹10K
Annual₹10K/yr
Reward3.33%Assumes SmartBuy flight/hotel booking (offers.smartbuy.hdfcbank.com/diners): HDFC-stated primary path 1 RP = Rs.1, max 70% of booking via points. Catalogue only ~Rs.0.50.
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  • 10X reward points on HDFC SmartBuy portal
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HDFC Bank is no longer accepting applications for this card.

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