HDFC Bank Diners ClubMiles Credit Card
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.
Travel & Lounge Fit Score
82/100
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate (%)
0.67 – 2
1.3 pts/₹100 · ₹0.2/pt
Forex Markup
2%
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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.
Reward Power
24/35
Fee Value & ROI
20/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC Bank Diners ClubMiles Credit Card Eligibility
Employment type
Pros & Cons
- 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
- 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
Data last updated 14 Aug 2026
Calculate your exact earnings with HDFC Bank Diners ClubMiles Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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