HDFC Bank · Mid
HDFC Diners Club Privilege
Where it ranks across all 187 cards
#4 Food delivery
5.0%
at Swiggy
direct
#15 Insurance
1.0%
direct
#19 Utility bills
1.0%
direct
#29 Jewellery & watches
1.0%
direct
#34 Mobile / broadband
1.0%
direct
#38 Train tickets
1.0%
direct
#42 Other
1.0%
direct
#46 Cabs & transit
1.0%
direct
#46 Health & pharmacy
1.0%
direct
#51 Electronics
1.0%
direct
#58 Hotels
1.0%
direct
portal reaches 10.0%
#59 Flights
1.0%
direct
portal reaches 5.0%
#63 Groceries
1.0%
direct
#63 Fashion
1.0%
direct
#64 Online shopping
1.0%
direct
#64 Dining out
1.0%
direct
#65 Movies & events
1.0%
direct
1 May 2026
Lounge access now conditional on ₹60K/quarter spend (was unconditional).
Get an email if this card changes - sign in.
SmartBuy travel ₹0.5/pt; vouchers ₹0.35; cashback ₹0.2
Points valued at ₹0.5/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
4 pts / ₹200
source
Source: HDFC DCP MITC - hdfcbank.com - read 20 Aug 2026
DNP 5X on Swiggy & Zomato (direct)
5.00%this rule
20 pts / ₹200
how it works & source
Bank posts base points per txn and the 5X bonus separately as "DNP 5x Reward Points Swiggy Zomato" (visible on statements).
Source: Diners Privilege product feature change, eff. 15 May 2026 (bank PDF) - hdfcbank.com - read 22 Aug 2026
Base rate, but capped4
Utilities: base rate capped 2,000 pts/month
base rate
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Telecom: base rate capped 2,000 pts/month
base rate
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Grocery: base rate capped 2,000 pts/month
base rate
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Insurance: base rate capped 2,000 pts/month
base rate
source
Source: Diners Privilege Rewards T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
SmartBuy portal 5X
via smartbuy · 4,000 RP/month overall SmartBuy shared cap (+2,000/day)
source & note
Bonus points capped at 2,500 pts/month.
Source: HDFC SmartBuy T&C - hdfcbank.com - read 20 Aug 2026
5.0%
SmartBuy gift vouchers 5X
voucher route via smartbuy · 3,000 pts/month
source & note
Jul 1 2026: voucher bonus capped at 3,000 pts/month flat across premium HDFC cards (₹1,500 at ₹0.5/pt).
Source: HDFC SmartBuy master T&C, Sep 2026 (Brand Vouchers row; pt 14 excludes InstaDeals) - offers.smartbuy.hdfc.bank.in - read 24 Sep 2026
5.0%
Amazon Pay gift card: Insta Deal, base RP only
voucher route via smartbuy
source & note
GyFTR sells the Amazon Pay gift card (listed as plain "Amazon") ONLY as an Insta Deal: 1% instant discount + base Reward Points (1X), never the accelerated 5X/3X (master SmartBuy T&C point 14: InstaDeals not eligible for accelerated earn). Amazon Fresh and Amazon Prime offer BOTH tabs and the Accelerated one pays more, so they stay on the accelerated voucher rule; the Amazon Shopping Voucher is Accelerated only. Checked per brand on GyFTR 24 Sep 2026.
Source: GyFTR Amazon Pay Gift Voucher on HDFC SmartBuy - Insta Deal only, 1% + 1X RP - gyftr.com - read 24 Sep 2026
1.0%
SmartBuy hotels 10X
via smartbuy · shares the 4,000 RP/month SmartBuy cap
source
Source: SmartBuy accelerated T&C Jul-Aug 2026 - offers.smartbuy.hdfc.bank.in - read 22 Aug 2026
10.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on7 exclusions
Fuel
earns nothing
Fuel earns 0 points (surcharge waiver only).
→ use IndianOil RBL XTra here (7.5%)
detail & source
HDFC publishes NO exclusion MCC codes - categories only (MITC + card rewards T&C).
categories: Fuel
Source: Diners Privilege Rewards T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent and property-management payments earn 0 points (w.e.f.
→ use Axis Burgundy Private here (4.2%)
detail & source
1 Jan 2023).
categories: Rent
Source: Diners Privilege Rewards T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government transactions earn 0 points (w.e.f.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
1 Jan 2023).
categories: Government / tax
Source: Diners Privilege Rewards T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loading earns nothing; accrued points reversed.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Education
earns nothing
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Diners Privilege Rewards T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming earns nothing (w.e.f.
→ use FIRST Private here (6.6%)
detail & source
1 Jul 2025).
categories: Gaming
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
EMI
earns nothing
EasyEMI/SmartEMI excluded; points reversed on EMI conversion.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.