# HDFC Bank Diners Club Privilege Credit Card

**Best for:** Frequent travelers and online shoppers

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** 10X Reward Points on Smartbuy purchases · Complimentary airport lounge access quarterly · Waiver on annual fee with high spending

## Fees

- **Joining Fee:** Joining Fee of Rs.1000
- **Annual Fee:** Renewal Fee of Rs.1000
- **Fee Waiver:** Spend Rs.300000 For Renewal Fee Waiver
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 4 Reward Points per Rs.150 on Utility
- **Welcome Benefit:** Complimentary Annual Memberships of Swiggy One

## Lounge Access

- **Domestic:** 2 Complimentary Airport Lounge Access Per Quarter
- **International:** 2 Complimentary Airport Lounge Access Per Quarter

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