SimplifyCards take:A good fit if you want a card built for dining, movies, and SmartBuy
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Best for Hotels Via SmartBuy (10X)Best for
40 Reward Points / ₹200 spent on hotels via SmartBuy (10X)
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for dining, movies, and SmartBuyBottom line
It combines complimentary airport lounge access, accelerated rewards on hotels via SmartBuy (10x), and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Daily cap | Monthly cap |
|---|---|---|---|
| Swiggy Zomato | 20 Reward Points / ₹200 spent on Swiggy and Zomato | - | 2,500 Reward Points |
| Hotels Via SmartBuy (10X) | 40 Reward Points / ₹200 spent on hotels via SmartBuy (10X) | 2,000 Reward Points | 2,000 Reward Points |
| Flights Via SmartBuy (5X) | 20 Reward Points / ₹200 spent on flights via SmartBuy (5X) | 2,000 Reward Points | 2,000 Reward Points |
| Brand Vouchers Via SmartBuy (5X) | 20 Reward Points / Rs 200 spent on brand vouchers via SmartBuy (5X) | 2,000 Reward Points | 3,000 Reward Points |
| Other SmartBuy Spends, E.g. Online (5X) | 20 Reward Points / ₹200 spent via SmartBuy (5X) | 2,000 Reward Points | 4,000 Reward Points |
| Others | 4 Reward Points / ₹200 spent | - | - |
Redemption
Statement balanceupto ₹ 0.2 per point
SmartBuy flight/hotelupto ₹ 0.5 per point
Airmile transferupto 0.5 airmile per point
Important conditions
1
Domestic lounge8 visits per year
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending ₹60,000 in the preceding calendar quarter
2
International lounge4 visits per year
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending ₹60,000 in the preceding calendar quarter
3
MilestoneVouchers worth ₹1,500 from brands like Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon, McDonald's, or Domino's on quarterly spends of ₹1.5 lakh
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Fee waiverRenewal fee waived on annual spends of ₹ 3 lakh
Tips
Practical notes from verified sources
Activate HDFC Global Value Program to get an additional 1% cashback on international spends
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Complimentary annual memberships of Swiggy One and Times Prime as welcome benefit on spends of ₹75,000 in the first 90 days of card issuance
Additional benefits
- Buy 1 Get 1 free on weekend movie and non-movie tickets via BookMyShow, up to 2 free tickets every calendar month, capped at ₹250 per ticket
- Extra 10% off on Dineout bills at participating restaurants via Good Food Trail program
Additional details
- Reward Points on grocery transactions are capped at 2,00,000 total cycle cap, but specifically capped at 2,000 Reward Points per calendar month for grocery spends
- Reward Points on utility and telecom transactions are capped at 2,00,000 total cycle cap, but specifically capped at 2,000 Reward Points per calendar month for utility and telecom categories individually
- Reward Points on insurance transactions are capped at 2,000 Reward Points per calendar month (effective 1 July 2025)
- Redemption of reward points for flights and hotel bookings on SmartBuy is capped at 50,000 per calendar month
Latest Updates
Recent changes to this card
HDFC capped Diners Privilege SmartBuy vouchers1 Jul 2026
- From 1 July 2026, SmartBuy brand vouchers earn accelerated points only up to 3,000 points per month
- The overall SmartBuy monthly cap stays 4,000 points
HDFC revised Diners Privilege rewards, lounge access and DCC rules15 May 2026
- Reward earnings moved to 4 reward points per Rs 200 on eligible categories from 15 May 2026
- Lounge access becomes spend-gated from the quarter starting 1 July 2026, with 2 domestic and 1 international access per quarter available only after Rs 60,000 prior-quarter spend
- The official change notice also revises INR DCC markup to 1.75% and the card reissuance fee to Rs 199
Eligibility
Check this before you apply
Salaried
- Indian national
- Age 21 to 60 years
- Net salary of ₹35,000 or more per month
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR above ₹6,00,000
Exclusions
Spending that does not earn reward points
- fuel
- rent
- wallet loads
- government transactions
- cash withdrawal
- emi transactions
- fees and charges
- online skill-based gaming
- education payments through third-party apps
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