The InterMiles HDFC Bank Diners Club Credit Card is a co-branded card by HDFC Bank in collaboration with InterMiles, offering great travel benefits. The Card is a premium travel card that comes with an Annual fee of Rs. 5,000. The card comes with an InterMiles Gold Membership for the first year and many other benefits like Intermiles reward points and flight/hotel vouchers. It also offers an attractive reward rate, where you can earn up to 16 Intermiles on every spend of Rs. 150 on flight and hotel bookings and 8 Intermiles on every spend of Rs. 150 on retail purchases.

intermiles hdfc diners club vs intermiles icici sapphiro credit card

You also get Intermiles for Etihad Airways tickets and accelerated reward points on shopping. In a nutshell, the premium travel card offers tons of reward points for every transaction you make. You can get Intermiles not only from regular spending but also from achieving a target spend within 90 days of card activation. The card also offers other benefits like unlimited lounge access and a 40% discount on dining bills.

On the other side, InterMiles ICICI Bank Sapphiro Credit Card is also a co-branded card by ICICI Bank in collaboration with the InterMiles frequent flyer program. The InterMiles ICICI Sapphiro Card also comes with an annual fee of Rs. 5,000 and is a premium travel credit card. The card welcomes you with a Complimentary InterMiles Silver Tier membership and 10,000 bonus InterMiles. Moreover, you get a Flight discount voucher and a hotel discount voucher both with the Amex and Visa variants. As the card comes with two variants, the reward rate also slightly differs between the two. The cardholder receives InterMiles on categories like Domestic spends, International spending, Etihad Airways tickets on the InterMiles website, and for all other spendings on the InterMiles website. We also get to see other benefits with the card like complimentary international and domestic airport lounge visits and Movie and Dining benefits.

Both the cards are quite similar to each other and both of them come with the same annual fee. However, there are many differences in both the cards that you will get to know with this article. Therefore, keep reading to know more about both the cards and their differences and then make the best choice for your travels.

InterMiles HDFC Bank Diners Club Credit Card

The InterMiles HDFC Diners Club Credit Card is a premium co-branded travel credit card offered by the HDFC Bank in collaboration with InterMiles. The card comes with InterMiles Gold Membership for the first year and offers Bonus Intermiles on achieving the target spend within 90 days of card activation. Also, you get unlimited lounge access to over 1,000 domestic lounges in India and access to leading Airport lounges all across the world. Moreover, the card offers complimentary Dineout Passport membership, which would get you up to a 40% discount on dining bills. Apart from this, the card offers many premium benefits like unlimited complimentary golf games and milestone benefits where you get, 10,000 bonus InterMiles every year on spending Rs. 20,000 or more. Following are the detailed benefits of the InterMiles HDFC Bank Diners Club Credit Card-

  • As mentioned above, the card welcomes you with InterMiles Gold Membership for the first year and offers 10,000 bonus Intermiles on spending Rs. 20,000 or more within the first 30 days of card activation. If you are able to spend Rs. 1,50,000 or more within the first 90 days of card set-up, you get a bonus of 15,000 Intermiles.
  • Get flight discount vouchers worth Rs. 2000 and hotel discount vouchers worth Rs. 3000 for the first year.
  • Enjoy unlimited lounge access to over 1,000 domestic lounges in India through Domestic Lounge Program and access to leading Airport lounges all across the world through the Exclusive Lounge Program.
  • Get a 10% discount whenever you book Etihad Airways business class tickets and a 5% discount on Etihad Airways economy class tickets when booked from InterMiles.com.
  • As a Dining benefit, the card offers complimentary Dineout Passport membership which provides you with a 40% discount on dining bills and a discount of 25% at over 2000 premium restaurants. Moreover, you can enjoy 1+1 on the buffer at more than 200 restaurants and early access to various events and festivals.
  • For every Rs. 150 spent on flight and hotel bookings through flights.intermiles.com, you get 16 Intermiles and 8 Intermiles on retail purchases. Also, get 2.5X bonus Intermiles for Etihad Airways tickets booked on Intermiles.com and accelerated reward points on shopping through the intermiles website.
  • Intermiles earned with InterMiles HDFC Bank Diners Club Credit Card can be redeemed on intermiles.com for booking air tickets and for hotel reservations.
  • The card also offers unlimited complimentary golf games at leading golf courses in India and selected golf courses all across the world. Moreover, you get unlimited complimentary golf coaching at selected golf courses all over India.
  • On spending Rs. 20,000 or more within the first 30 days of card renewal, you get 10,000 bonus InterMiles.
  • The renewal fee of Rs. 5000 can be waived off on spending Rs. 8 lacs or more in the previous year.
  • You can also avail of the benefit of a 1% fuel surcharge waiver, with which you can get up to Rs. 1,000 of waiver every month.

InterMiles ICICI Bank Sapphiro Credit Card

The InterMiles ICICI Bank Sapphiro Credit Card is one of the premium travel credit cards by ICICI Bank. The card is a co-branded card by the Bank in partnership with InterMiles. With an annual fee of Rs. 5,000, the card offers premium benefits complimentary rounds of golf every month, and 24×7 concierge services. The card comes with Complimentary InterMiles Silver Tier membership for the first year and 10,000 bonus InterMiles. The card comes in two variants-Visa and Amex and the benefits with both the variants slightly differ from each other. The card also offers benefits like bonus InterMiles and Flight/hotel discount voucher on achieving the spend target. As a travel credit card, it offers complimentary access to international as well as Domestic airport lounges. Following are the features of the card:

  • As a welcome benefit, the card offers Complimentary InterMiles Silver Tier membership for the first year and 10,000 bonus InterMiles. Moreover, you get with the AmEx variant, you get a Flight discount voucher and a hotel discount voucher worth Rs. 750 and Rs. 1,500 respectively.
  • Every year, on card renewal, get a 5,000 bonus InterMiles and Flight discount voucher worth Rs. 500 and a hotel discount voucher worth Rs. 1,000. Get the same vouchers on spending Rs. 60,000 within 3 months of the card anniversary date.
  • Enjoy 2 complimentary international airport lounge access every year with the Dreamfolks membership and 2 complimentary domestic lounge access every quarter (on spending Rs. 5,000 in the previous quarter).
  • With the Amex Card variant, on every Rs. 100 spent you get, 5 InterMiles for domestic spends, 7 InterMiles for International spends, 12.5 InterMiles for Etihad Airways tickets on the InterMiles website and 10 InterMiles  for all other spends on the InterMiles website.
  • With the Visa Card variant, on every Rs. 100 spent you get, 4 InterMiles for domestic spending, 5 InterMiles for International spending, 10 for Etihad Airways tickets on the InterMiles website, and 8 InterMiles for all other spends on the InterMiles website.
  • InterMiles earned with the InterMiles ICICI Bank Sapphiro Credit Card can be redeemed for booking air tickets and for hotel reservations on the InterMiles website.
  • Get up to Rs. 500 off on booking a second ticket on BookMyShow and Exclusive dining offers through ICICI Bank Culinary Treats program.
  • Enjoy up to 4 complimentary rounds of golf every month. Note that each game would be provided on spending Rs. 50,000 or more in the previous month.
  • Enjoy the 24×7 concierge service for Restaurant reservations, Hotel reservations, Flight ticket booking, Car rental and limousine service, Flower & gift assistance, and much more.

Check here: Intermiles ICICI Bank Sapphiro Credit Card Review

Quick Comparison

Basis InterMiles HDFC Bank Diners Club Credit Card InterMiles ICICI Bank Sapphiro Credit Card
Reward Rate 16 Intermiles on every spend of Rs. 150 on flight and hotel bookings.

8 Intermiles on every spend of Rs. 150 on retail purchases.

2.5x bonus Intermiles for Etihad Airways tickets.
Up to 5 InterMiles on every spend of Rs. 100 on domestic spends.

Up to 7 InterMiles on every spend of Rs. 100 on International spends.

Up to 12.5 InterMiles on every spend of Rs. 100 on Etihad Airways tickets.

Up to 10 InterMiles on every spend of Rs. 100 on all other spends on the InterMiles website.
Reward Redemption InterMiles earned with the InterMiles ICICI Bank Sapphiro Credit Card can be redeemed for booking air tickets and for hotel reservations on the InterMiles website. InterMiles earned with the InterMiles ICICI Bank Sapphiro Credit Card can be redeemed for booking air tickets and for hotel reservations on the InterMiles website.
Welcome Benefit InterMiles Gold Membership for the first year.

10,000 bonus Intermiles on spending over Rs. 20,000 within the first 30 days of the card activation.

15,000 bonus Intermiles on spending Rs. 1,50,000 or more within the first 90 days.

Get flight and hotel discount vouchers worth Rs. 2000 and Rs. 3,000 for the first year.
 InterMiles Silver Tier membership for the first year and 10,000 bonus InterMiles.

Flight discount voucher worth Rs. 750 and hotel discount voucher worth Rs. 1,500 with the AmEx variant.

Flight discount voucher of Rs. 750 and hotel discount voucher of Rs. 1,500 on spending Rs. 60,000 within the first 3 months of card activation with the Visa variant.
Fuel Surcharge Waiver 1% fuel surcharge waiver with a maximum benefit of Rs. 1,000 per month. 1% fuel surcharge waived off at all fuel stations across India.
Dining Benefits Complimentary Dineout Passport membership.40% discount on Dining Bills.

1+1 on the buffer at more than 200 restaurants.

Early access to various events and festivals.

Additional discount of 15%.
Exclusive dining offers through ICICI Bank Culinary Treats Programme.
Entertainment Benefits NA Buy one movie ticket on BookMyShow and get up to Rs. 500 off on the second ticket.
Milestone Benefits 10,000 bonus InterMiles every year on spending Rs. 20,000 or more within the first 30 days after card renewal. 5,000 bonus InterMiles every year on card renewal.

Flight discount voucher of Rs. 500 and hotel discount voucher of Rs. 1,000 on spending Rs. 60,000 or more within 3 months of the card anniversary date.
Travel Benefits Unlimited lounge access at over 1,000 domestic lounges in India through Domestic Lounge Program.

Access to leading Airport lounges all across the world through the Exclusive Lounge Program.
2 complimentary international airport lounge visits every year with Dreamfolks membership.

2 complimentary domestic lounge visits per quarter. 
Golf Games Unlimited complimentary golf games at leading golf courses in India and selected golf courses all across the world. Up to 4 complimentary rounds of golf every month.
Concierge Services NA 24×7 concierge services.
Insurance Benefit Air accident cover worth Rs. 2 crores NA
Annual Spend-Based Waiver Annual fee waived off on spending Rs. 8 Lakhs or more in the previous year. NA
Joining and Renewal Fee Rs. 5,000 (plus applicable taxes) Rs. 5,000 (plus applicable taxes)
Foreign Currency Mark-up 2% on all foreign currency spends. 3.5% on all foreign currency spend

Bottom Line

Both the cards offer great benefits in travel and in other categories as well. The InterMiles HDFC Bank Diners Club Credit Card offers great benefits such as Unlimited access to International and Domestic lounges and a lucrative reward rate. Moreover, we get Unlimited golf games every year and Insurance Benefits to aid the travel benefits being offered. Also, the reward rate provided is as exciting as other benefits offered with the card. However, even with the same Annual fee, InterMiles ICICI Bank Sapphiro Credit Card, cardholders get limited access to airport lounges as well as to golf games. Therefore, it would be wise to say that the InterMiles HDFC Bank Diners Club Credit Card is a better choice than the InterMiles ICICI Bank Sapphiro Credit Card as it offers better benefits even with the same card charges.

If you have any queries related to these cards, please let us know in the comment section below.

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