HDFC Bank Diners Club Miles is a top-notch credit card having the best-in-class air miles program. Through the miles exchange program, points are redeemable for air miles at the rate of 1 RP = 1 Airmile. However, Airmiles are not the only option to redeem your reward points for. You can also redeem them against various other categories, including flight/hotel bookings, products/vouchers, or cashback. 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 discount offers 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.
- Joining Fee- Rs. 1,000 (plus applicable taxes)
- Renewal Fee- Rs. 1,000 (plus applicable taxes)
- Best Suited For- Travel
- Reward Type- Reward Points
- 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.
- Golf- N/A
- Domestic Lounge Access- Up to 6 complimentary access to domestic lounges annually
- International Lounge Access- Up to 6 complimentary access to international lounges annually.
- 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.
- Zero Liability Protection- N/A
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- 1% of Fuel Surcharge Waiver (waiver capped at Rs. 250 per billing cycle) at fuel stations all over India.
- Cash Advance Charge- 2.5% of the total transaction amount (Minimum Rs. 500)
- Add-on Card Fee- Nil
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 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 | Airmiles (1 air mile) |
| Cashback (Rs 0.20) | |
| Smart Buy (Flights/ Hotels) Rs 0.50 | |
| Product catalogue (Gifts/Vouchers) Up to Rs 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 6 complimentary Airport Lounge access per year to 25+ domestic lounges and 700+ lounges worldwide.
Insurance Benefits:
Avail complimentary insurance benefits 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 has 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 | Rs 3,60,000 P.A | Rs 3,60,000 P.A |
How to apply for HDFC Bank Diners Club Miles card Select?
To apply for HDFC Bank Diners Club Miles Credit Card, following documents have to submitted to the bank:
- Proof of Address- Driving License, Aadhar Card, Voter ID Card, Utility bills, Passport, etc.
- Proof of Identity- Voter ID Card, PAN Card (Form 16 if no PAN Card), Aadhar Card, Driving License, etc.
- Proof of Income- Latest salary slips (for salaried person) or Bank statements for the last 3 months. ITR or Form 16 as proof are also acceptable.
Conclusion
The HDFC Bank Diners Club Miles card is a premium card issued in collaboration with the Diners Club. It offers a few of the best-in-class benefits and features. With exciting welcome benefits, it gives a great start to your journey with the card and you can earn bonus RPs annually on card renewal. Along with that, the complimentary lounge access provided by the card is among its most influential features. Also, other benefits like insurance coverages, fuel surcharge waiver, renewal fee waiver, etc can not be ignored. Considering these facilities as a bonus, one can have a good time using this amazing credit card.
