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HDFC Diners Club Miles credit card

HDFC Diners Club Miles credit card

HDFC Bank

4.5

Expert Rating

fuelgroceryrestaurantse-commerce
Annual Fee

₹1,000

Welcome Bonus

1,000 reward points

Lounge Access

12 visits/year

Forex Fee

2.5%

Contents


The HDFC Diners Club Miles credit card is a travel-focused card that rewards frequent flyers and diners. It offers high reward point earn rates, complimentary lounge visits, and milestone benefits. Best suited for cardholders who spend on travel, dining and lifestyle.

Features of HDFC Diners Club Miles credit card which makes it unique

Reward Transfer

Transfer reward points to airline and hotel partners

Unlock higher value for travel redemptions

Competitive transfer options versus peers

Milestone Vouchers

Vouchers or bonus points on meeting milestone spends

Extra value for high spenders

Useful for frequent travellers


Rewards Structure of HDFC Diners Club Miles credit card

Dining

accelerated

Restaurants and partner dining platforms

Reward Rate:4 pts/₹150
Monthly Cap:No explicit cap

Higher earn on dining and selected lifestyle partners.

Travel

accelerated

Airline, hotels and travel bookings

Reward Rate:4 pts/₹150
Monthly Cap:No explicit cap

Good value for travel-related spends and transfers to airline partners.

Shopping

base

All merchants

Reward Rate:2 pts/₹150
Monthly Cap:No explicit cap

Standard earn rate on general retail spends.

Milestones of HDFC Diners Club Miles credit card

Quarterly Spend Benefit

₹1,50,000 (quarterly) or per card-specific criteria

Vouchers or bonus points per HDFC offers

Annual Spend Waiver

₹1,00,000 (annual)

Annual fee waiver

Fees & Charges of HDFC Diners Club Miles credit card

Basic Fees

Joining Fee₹1,000
Annual Fee₹1,000
Forex Fee2.5%

Transaction Fees

Cash Advance2.5%
Late Payment₹750
Over Limit₹500

Other Charges

Returned Payment₹350
Cash Withdrawal3%

Fee Waiver Conditions

Annual fee waived on ₹1,00,000 annual spend.

Detailed Fee Structure of HDFC Diners Club Miles credit card

Fee TypeAmountFrequencyConditions
Annual Fee1000yearlyWaived on ₹1,00,000 annual spend.
Cash Advance Fee2.5%transactionMinimum ₹500 per withdrawal.

Lounge Access Benefits with HDFC Diners Club Miles credit card

domestic Lounges

silver

Visits per year: 6

Guest access: No

Lounge access as per Diners Club network and HDFC terms.

international Lounges

silver

Visits per year: 6

Guest access: No

Access to participating international lounges; check Diners Club network for details.

Insurance Coverage

Travel insurance

₹10,00,000

As per policy when travel is booked using the card; subject to insurer terms.

Purchase protection

₹50,000

Claims within stipulated days from purchase per bank T&C.


Additional Features of HDFC Diners Club Miles credit card

Contactless Payments

Tap and pay enabled

Add-on Cards

Add-on cards available as per bank policy


Application Process for HDFC Diners Club Miles credit card

Step-by-Step Process

1

Apply online via HDFC Bank Diners Club portal or HDFC card application page

2

Upload KYC and income documents

3

Receive verification call and approval

4

Card dispatched within 5-7 business days after approval

Processing Time

5-7 business days

Application Features

Online Application: Available

Instant Approval: Not Available

Required Documents for HDFC Diners Club Miles credit card

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16

ID Proof

all

Accepted documents:

PAN Aadhaar

HDFC Diners Club Miles credit card Merchant Acceptance Network

Domestic Acceptance

Wide coverage across India

International Acceptance

Accepted globally via Diners Club network and partner acceptance

Online Acceptance

Yes

Payment Technologies

Contactless PaymentsSupported

Mobile Wallet Support:

Google PayPhonePePaytmAmazon Pay

Excluded Merchants

crypto exchangesgambling

Eligibility Criteria for HDFC Diners Club Miles credit card

Basic Requirements

Minimum Age21 years
CitizenshipIndian only
Min Credit Score700

Income Requirements

Salaried₹30,000
Self-Employed₹30,000

Occupation Types:

Additional Conditions

Applicant must be an Indian resident with valid PAN and KYC documents as per HDFC policy.

Approval Criteria

  • Minimum income ₹30,000/month for salaried applicants
  • Indian resident
  • Credit score above 700

Pros of HDFC Diners Club Miles credit card

  • Strong travel and dining rewards
  • Complimentary lounge visits
  • Clear annual fee waiver on ₹1L spend

Cons of HDFC Diners Club Miles credit card

  • ✗Joining/renewal fee applies
  • ✗Rewards best for travel/dining heavy spenders

Frequently Asked Questions about HDFC Diners Club Miles credit card