HDFC Bank Diners ClubMiles Credit Card
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HDFC Bank

HDFC Bank Diners ClubMiles Credit Card

Diners Club
Regular

Your rating

Community rating

Best for Entry-level Diners — miles on travel + 6 international lounges/year

Joining Fee

₹1,000

Annual Fee

₹1,000

Reward Rate

0.67% – 2%

Forex Markup

2%

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Key Benefits

4 Reward Points per ₹150 on eligible retail spends
1 Reward Point = 1 Air Mile with airline and hotel transfer partners
6 complimentary airport lounge visits per year (domestic + international)
Up to 5X Reward Points on SmartBuy travel bookings
₹1,000 renewal bonus Reward Points on fee payment
Annual fee waiver on ₹1 lakh annual spends
15% dining discount at partner restaurants via Good Food Trail
1% fuel surcharge waiver on eligible fuel transactions
Air accident insurance cover up to ₹1 crore
Contactless tap-to-pay enabled

Rewards

How you earn back on every swipe

miles

Reward type

0.67% – 2%

Earn rate

1.3

Points / ₹100

₹0.2

Per point

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹1,000
Annual fee₹1,000
Fee waiver on annual spend₹1,00,000
Interest-free period50 days
Interest rate (APR)43.2%
Late payment fee (max)₹1,300
Cash advance fee2.2% (min ₹500)
Forex markup2%
Fuel surcharge waiverYes

Travel & Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

6 per year

International lounge visits

Priority Pass

Included with this card

Things to Keep in Mind

  • No reward miles on fuel, rent, wallet loading, government transactions, EMI
  • No domestic lounge access

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹30,000/month
CIBIL score720+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Good entry-level travel and air miles credit card
  • Airline mile transfers improve redemption flexibility
  • Lounge access is strong for the annual fee segment
  • Low annual fee with achievable waiver milestone
  • SmartBuy rewards boost travel value significantly
  • Dining discounts add extra lifestyle value
  • Good beginner-friendly travel rewards card
Cons
  • Diners Club acceptance can be inconsistent at some merchants
  • Forex markup is relatively high for international spends
  • Reward system is more complex than cashback cards
  • Best redemption value depends on airline transfer usage
  • Base reward rate outside travel categories is average
  • No premium travel benefits like unlimited lounge access
  • Reward exclusions apply on fuel, wallet loads, EMI, and rent

Who is this card for?

Travel enthusiasts who want an entry into the Diners Club network with miles transferable to airline programmes, without the high fees of Diners Black. Good for those who fly internationally 2–4 times a year.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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