What is the annual fee for HDFC Bank Diners ClubMiles Credit Card?

The annual fee for HDFC Bank Diners ClubMiles Credit Card is ₹1,000. The fee is waived on annual spend above ₹1,00,000.

What is the joining fee for HDFC Bank Diners ClubMiles Credit Card?

The one-time joining fee for HDFC Bank Diners ClubMiles Credit Card is ₹1,000.

What are the rewards and benefits of HDFC Bank Diners ClubMiles Credit Card?

HDFC Bank Diners ClubMiles Credit Card earns miles rewards. Reward rate ranges from 0.67% to 2%. You earn 1.3 points per ₹100 spent.

What lounge access benefits does HDFC Bank Diners ClubMiles Credit Card provide?

HDFC Bank Diners ClubMiles Credit Card provides 0 domestic lounge visits per quarter and 6 international lounge visits per year.

What is the eligibility criteria for HDFC Bank Diners ClubMiles Credit Card?

To be eligible for HDFC Bank Diners ClubMiles Credit Card, you need a minimum monthly income of ₹30,000.

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HDFC Bank

HDFC Bank Diners ClubMiles Credit Card

Name: HDFC Bank Diners ClubMiles Credit Card
Brand: HDFC Bank
Price: 1000 INR
Availability: InStock

The HDFC Bank Diners ClubMiles Credit Card is the entry point into the Diners Club network, offering 4 miles per ₹150 on travel spends and 2 miles per ₹150 on all other spends.

Regular

CardCheck ScoreVery Good

Top Category Performance

Travel & Lounge (82/100)

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

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

24/35

Fee Value & ROI

20/25

Lounge & Perks

18/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Travel & Lounge

82/100

Online Shopping

72/100

Dining & Food

70/100

Zero Fee & Starter

65/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

HDFC Bank Diners ClubMiles Credit Card 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

HDFC Bank Diners ClubMiles Credit Card Rewards

How you earn back on every swipe

miles

Reward type

0.67% – 2%

Earn rate

1.3

Points / ₹100

₹0.2

Per point

HDFC Bank Diners ClubMiles Credit Card 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

HDFC Bank Diners ClubMiles Credit Card 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

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹1,00,000/yr

Your Estimated Monthly Spend:₹8,333/mo

Presets:

100% to Annual Fee Waiver₹99,996 / ₹1,00,000

Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.

Gross Rewards+₹2,000

Effective Fee₹1,000

Net Profit/Yr+₹1,000

Tips & reviews

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

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HDFC Bank Diners ClubMiles Credit Card 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.