HDFC Bank Dinner Club Privilege Credit Card

HDFC Bank Dinner Club Privilege Credit Card is good choice for customer looking for premium lifestyle and benefits across multiple brands. It is a sub premium credit card that is lower version of HDFC Regalia. Cardholder can earn 5X Reward point on Swiggy and Zomato and 10X Reward on Smartbuy platform. Apart from this Buy1 Get1 Movie ticket on Bookmyshow, quarterly milestone that is ₹1500 voucher of famous brands like Decathlon and Barbeque Nation. It also offer complimentary lounge access for primary and add-on card holder and there are several other benefits like spend based waiver, Insurance benefits. Let’s read in detail about this credit card.

JOINING FEE
Rs.1000+GST
RENEWAL FEE
Rs.1000+GST
BENEFITS
2 complimentary Lounge Access Every Quarter worldwide.
REWARDS &CASHBACK
Buy 1 Get1 Free on Movie/non-Movie Weekend Ticket via BookMyshow.
1500 worth Voucher on Marriott, Decathlon on Quarterly spend on Rs.1.5 Lakh

Key Features of HDFC Bank Dinner Club Privilege Credit Card

Reward Points

  • Get 5X (4X + 1X) Reward points on every ₹150 spent on Swiggy & Zomato where 4X Reward point is capped at 2500 per month.
  • Get 10X Reward point when you spend on smartbuy portal.
  • Get 4 Reward Point on every ₹150 spent.
  • Get 2000 Reward point daily on Insurance, telecom and utility.
  • Get 4 Reward point on every ₹150 on Education payment done on school website/POS.
  • You can earn maximum 50,000 Reward point in a statement cycle.
  • No Reward points on transaction done on Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances.

Travel Benefits

  • You will get 8 complimentary lounge access that is 2 per quarter to deomestic and International Airport lounge.
  • The Airport Lounge is for both primary and add-on cardholder.
  • Complimentary lounge access will be available only if you spend more than ₹15,000 in previous quarter.

Spend Based Waiver

  • The annual fee of Rs.100 is waived off if you had spent Rs. 3 lakh in previous year and this is very much achievable.

Welcome Benefits

  • You will get complimentary annual membership of Swiggy One and Times Prime on spending ₹75,000 within first 90 days of card issuance.

Quarterly Milestone Benefits

  • If You will spend ₹1,50,000 in a calendar quarter, you wll receive voucher of worth ₹1500 of top brand from Marriott, O2 spa, Decathlon, Barbeque Nation.

Entertainment Benefits

  • Buy 1 Get 1 Movie/ Non Movie Ticket on Bookmyshow and this offer is only applicable for weekend that is Friday, saturday, sunday.
  • Maximum discount is ₹250 per ticket and upto 2 free ticket in a calendar month.

Reward Redemption

  • These Reward point can be redeemed on smartbuy for flight and hotel booking where value of 1 Reward point = ₹0.5.
  • You can also redeem through netbanking for airmiles in 2:1 ratio.
  • 1 Reward point = ₹0.2 if you redeem against statement.
  • 1 Reward point = ₹0.35 if you redeem your reward point for various product catalog offered by HDFC Bank exclusive for Dinner club card.

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. For International travel you can use this card for lounge access but for transaction you can go for other card which is having less Foreign markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is 55.55% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.

Eligibility Criteria

Criteria Salaried Individuals Self Employed Individuals
Age
21-60 Years
21-65 Years
Income
Should be greater than ₹35000 Per month
ITR should be 6 lakh or more
  • Final Thoughts

HDFC Bank  Dinner Club Privilege Credit Card is a great choice for individual who is looking decent annual fee and great reward rate. If you look into the market major devaluation is going  in credit card Industry and HDFC Dinner club also changes it Foreign Markup fee but still if you look into the reward rate, complimentary lounge access, BOGO offer on Movies you will find this credit card is at much better position than others. If you use your credit card majorly International then Regalia will be better option. What do you think about these credit card please let us know in comment section.

  • Frequently Asked Questions
What is the validity of Reward in HDFC Dinner Club Privilege credit card?

The Reward rate will be valid for two years from the date of credit.

Yes you will have to spend 15000 in previous quarter to access complimentary lounge.

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