HDFC Bank Diners Club Miles Credit Card
- Updated On: 19 May, 2026
HDFC Bank Diners Club Miles is a top-notch credit card with the best-in-class air miles program. Through the miles exchange program, points are redeemable for air miles at 1 RP = 1 Airmile. However, Airmiles are not the only option to redeem your reward points. You can redeem them against other categories, including flight/hotel bookings, products/vouchers, or cash back. The card is issued at a joining fee of Rs. 1,000 and offers 1,000 bonus reward points as a welcome benefit. The customers can also avail of 10X reward points on partner brands capped at Rs. 5,000 per month.
This credit card also provides complimentary airport lounge access at both international & domestic airports. You can also avail of exclusive discounts on dining at thousands of partner restaurants. More of the card’s benefits include insurance covers, a spend-based waiver for the annual fee, a fuel surcharge waiver, etc. Have a look at this article to know more details.
HDFC Bank Diners Club Miles Credit Card
( 4.3 / 5 )
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- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
4 Reward Points per Rs. 150 spent.
Welcome Benefits
1,000 Reward Points on settling the renewal membership fee.
Rewards and Benefits
Movie & Dining
15% discount and other offers on the finest restaurants all over India.
Rewards Rate
4 Reward Points per Rs. 150 spent.
Reward Redemption
1 Reward Points = 1 Airmile, 1 RP = Re. 0.50 when redeemed against flight or hotel bookings on SmartBuy, 1 RP = Re. 0.35 for products/vouchers, and 1 RP = Re. 0.20 for cashback.
Travel
Complimentary access to domestic as well as international lounges.
Domestic Lounge Access
Up to 6 complimentary access to domestic lounges annually
International Lounge Access
Up to 6 complimentary access to international lounges annually.
Golf
N/A
Insurance Benefits
Air accident Insurance up to Rs. 1 Crore, travel insurance cover worth up to Rs 50,000, emergency medical expenses cover worth up to Rs 25 Lakhs. Credit liability protection worth up to Rs 9 Lakhs.
Fees & Charges
Spend-Based Waiver
The annual fee can be waived on spending Rs. 1 Lakh.
Rewards Redemption Fee
Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup
3.00% of the total transaction value (plus applicable taxes)
Interest Rates
3.6% per month (or 43.2% per annum)
Fuel Surcharge Waiver
1% of Fuel Surcharge Waiver (waiver capped at Rs. 250 per billing cycle) at fuel stations all over India.
Cash Advance Charges
2.5% of the total transaction amount (Minimum Rs. 500)
Product Details
- HDFC Bank Diners Club Miles is offered at Rs. 1,000 + taxes.
- Earn 1,000 Reward Points on paying the Annual Joining Fee.
- Earn 4 Reward Points per Rs. 150 you retail spends and other purchases.
- Get 15% discounts and offers on Fine Dining and restaurants.
- Complimentary Airport Lounge access worldwide.
- Concierge benefits to cater to all your travel needs.
- Air Accidental Insurance worth Rs. 1 Crore.
- Credit Liability protection up to Rs. 9 Lakhs.
- 1% Fuel Surcharge Waiver at all fuel stations in India.
- Earn 1,000 bonus RPs on paying of annual fee.
HDFC Bank Diners Club Miles Benefits
Welcome Benefits
With HDFC Bank Diners Club Miles Credit Card, you earn 1,000 RPs as a welcome bonus, which will be credited once the Annual Membership fee is paid.
Rewards
- You get 4 Reward Points per Rs. 150 spent.
- 10X Reward Points on partner brands via HDFC Bank Diners Club 10x rewards program. The 10X reward points are capped at a maximum of 5,000 points per month.
Reward Redemption
- You can redeem your reward points for air miles with partners, including InterMiles, Singapore Airlines, and Club Vistara.
- These reward points are redeemable against an array of categories at the following rate:
|
1 Reward Point Value |
Airmiles (1 Air Mile) |
|
Cashback (₹0.20) |
|
|
SmartBuy (Flights/ Hotels) ₹0.50 |
|
|
Product Catalogue (Gifts/Vouchers) Up to ₹0.35 |
Dining:
With HDFC Bank Diners Club Miles Credit Card, you can avail a discount of 15% and around 1,400 other offers and privileges at some of the finest restaurants across the globe.
Travel Benefits
Get six complimentary Airport Lounge access per year to 25+ domestic lounges and 700+ lounges worldwide.
Insurance Benefits:
A complimentary insurance benefit is available with the HDFC Bank Diners Club Miles Credit Card. Following are the covers provided:
| Insurance Covers | Insured Value |
| Air accident cover | Rs 1 Crore |
| Emergency medical expenses cover | Up to Rs.25 lakh |
| Travel Insurance cover | In case of loss or delay of luggage Up to Rs.50,000. |
| Credit liability coverage | Rs.9 Lakhs |
Renewal Benefits
- HDFC Bank Diners Club Miles Credit Card provides you with 1,000 RPs as an annual bonus when you settle renewal fees.
- However, the bonus is not applicable if you have claimed a waiver on the annual fee by spending Rs. 1 lakh.
Fuel Surcharge Waiver
Get a 1% waiver on fuel surcharge applicable on all fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India.
Eligibility Criteria for HDFC Bank Diners Club Miles Credit Card
The HDFC Bank Diners Club Miles Credit Card holds some basic eligibility criteria that have to be fulfilled:
- The applicant should be a resident of India and must be between 21-65 years of age.
- The credit score or credit history should be preferably above 700.
| Criteria | Salaried Class | Self Employed |
| Age | 21-60 | 21-65 |
| Income | ₹3,60,000 P.A | ₹3,60,000 P.A |
HDFC Diners Club Miles Credit Card Review
The HDFC Bank Diners Club Miles card is a high-end card issued in partnership with Diners Club. It boasts several top-notch benefits and features, including exciting welcome bonuses that give a great start to your card journey and the ability to earn bonus RPs every year upon card renewal. One of its most impressive features is complimentary lounge access. Additionally, the card offers insurance coverage, fuel surcharge waivers, renewal fee waivers, and other benefits that cannot be overlooked. These facilities add to the overall appeal of this exceptional credit card, making it a great choice for anyone looking for a hassle-free and rewarding experience.
FAQs:
Do I get any Accidental Cover with this credit card ?
Yes, you get a complimentary Air Accidental protection worth Rs 1 crore with this card.
What type of coverage does the Travel Insurance provide ?
Travel Insurance covers Loss off or Delay in luggage.
How many Airport Lounges can be accessed around the globe with this card ?
You can access over more than 1000 airport lounges around the globe using this card.
What is the validity period for the accrued reward points ?
The validity period of the accrued reward points is 2 years after which they get expired.