HDFC Diners Club Privilege cashback rate, cap and annual fee
HDFC Diners Club Privilege pays 2% at Swiggy and Zomato food delivery — on the first INR 31,200 you spend on it each month, which is where the INR 625 cap stops it. The card costs INR 1,000 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
HDFC Bank · India · catalogue v121
Read from HDFC Bank's own published terms on 30 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Swiggy and Zomato food deliveryonline and delivery | 2.00% | INR 625reached at INR 31,200 of spend5X, 20 points per ₹200, on Swiggy and Zomato food delivery (MCC 5812/5814), ₹200 a transaction at least. The extra 16 are capped at 2,500 a calendar m |
| everything else | 0.40% | —4 Reward Points per ₹200 of retail spend (from 15 May 2026; it was 4 per ₹150). |
| groceries, phone and internet | 0.40% | INR 400reached at INR 100,000 of spend4 per ₹200, at most 2,000 points a month. |
| utility billsgovernment | 0.40% | INR 400reached at INR 100,000 of spendUtilities earn 4 per ₹200, at most 2,000 points a month. |
| fuel | None | —Fuel earns no points. |
| rent and property | None | —Rent earns no points (MITC, all cards since 1 Jan 2023). |
| government | None | —Government payments earn no points. |
| paid through third-party apps | None | —Education paid through CRED, Cheq, MobiKwik and similar apps earns no points; paid direct to the school or college it earns the base rate. |
Questions people ask
What cashback does the HDFC Diners Club Privilege pay?
2% at Swiggy and Zomato food delivery, 0.4% on everything else, 0.4% on groceries, phone and internet and 0.4% at utility bills. The top rate is capped at INR 625 a month.
Is there a cap on the HDFC Diners Club Privilege?
Yes. swiggy and zomato food delivery is capped at INR 625 a month; groceries, phone and internet is capped at INR 400 a month; utility bills is capped at INR 400 a month.
What is the annual fee on the HDFC Diners Club Privilege?
INR 1,000 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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