HDFC Bank Diners Club Miles Credit Card: Features & Apply

Summary

The HDFC Bank Diners Club Miles Credit Card is a smart and travel-based credit card for those who want reward points while spending on air travel, hotel stays, dining out, and shopping. The card has an excellent combination of luxury, reward points, and convenience. You earn 4 Reward Points on ₹150 spending using the Credit card, and those can be redeemed for air miles, flight or hotel bookings, shopping vouchers, or even cashback. This makes it perfect for frequent flyers and those who would like to maximize their everyday spend.

One of the strongest points for selling this card is the visitation to the airport lounges. Cardholders can have a maximum of 6 complimentary visits annually at prominent domestic and international airports, hence enjoying their flights more. In addition to this, you are provided with travel insurance, accidental coverage, as well as emergency medical cover, which is a relief to tourists.

The card carries an annual charge of ₹1,000 (including taxes), but this gets waived if you have spent ₹1 lakh during the last year. So, it becomes feasible for frequent use. It also offers a 1% fuel surcharge waiver, EMI conversion facilities, and worldwide acceptance, which are additional advantages to its overall usability.

Introduction

In today’s world, possessing a good credit card is very important, especially for those who are fond of traveling or shopping online. One such powerful credit card is the HDFC Bank Diners Club Miles Credit Card. The card is particularly suited for frequent travelers and for those who wish to earn rewards on expenditures. Regardless of whether you are purchasing flight tickets, hotel nights, restaurant checks, or online shopping – this card saves you money while earning you travel points at the same time.

HDFC Bank is one of the most trusted banks in the nation. HDFC’s high-end line of credit cards features the Diners Club Miles Credit Card. It has a whole range of smart features like reward points, travel benefits, lounge access, and more. The best part? You can also trade your reward points for air miles or use them to book flights and hotels. It is, is a good option for those who travel often but without digging a hole in their wallet.

Another major benefit of this card is that it gives you free access to airport lounges in domestic and international airports. Therefore, if you are one of those who travel often, you can rest, relax, and enjoy complimentary snacks at lounges while waiting for your flight. This is something that most people find convenient, especially during long flights or business travel.

Where rewards are concerned, the Diners Club Miles Credit Card is generous to a fault. Every ₹150 you spend on this card earns you 4 reward points. The reward points are not specific to any activity – you can redeem them for booking flight tickets, hotel bookings or even convert them to air miles of major airlines. What that means is that your day-to-day spending can earn you your next holiday!

What is the HDFC Bank Diners Club Miles Credit Card?

The HDFC Bank Diners Club Miles Credit Card is a special credit card for those who like to travel and earn rewards. It is issued by HDFC Bank with the assistance of the Diners Club International network. This card enables you to earn reward points every time you spend money, which can be redeemed to book air tickets, hotels or converted to air miles.

It also gives you free access to airport lounges in India and around the world, making your journey more comfortable. The card features many useful attributes like travel privileges, rewards on online shopping, discounts on dining, and secure protection. In few words, this credit card saves you money and gives you extra benefits when you shop or travel.

What is the design of the HDFC Bank Diners Club Miles Credit Card?

The HDFC Bank Diners Club Miles Credit Card appears extremely trendy with a purple backdrop. Details of the card, such as the card number, are embossed in a unique gold color and appear extremely sophisticated.

The purple and gold embossing pair provides a luxurious and eye-catching look to the card, and it becomes visible in your wallet.

What are the benefits of the HDFC Bank Diners Club Miles Credit Card?

Reward Points:

Earn 4 Reward Points for every ₹150 spent.

Reward Points can be converted as follows:

• Air Miles Conversion: 1 Reward Point = 1 Air Mile on partner airlines like InterMiles, Singapore Airlines (KrisFlyer Miles), and Club Vistara.

• Flight and Hotel Reservation: Use points to book flight and hotel stays using HDFC’s SmartBuy online facility, with 1 Reward Point equal to ₹0.50.

• Product Catalogue: Use points for goods or vouchers; one point could be up to a maximum of ₹0.35.

• Cashback: Redeem points in cashback at a rate of 1 Reward Point = ₹0.20.

Travel Benefits:

• Airport Lounge Access: Get six complimentary accesses a year to over 1,000 airport lounges worldwide.

• Concierge Services: Enjoy personalized assistance with travel reservations and

Dining Benefits

• Restaurant Discounts: Enjoy a minimum discount of 15% at some high-end restaurants globally.

Insurance Benefits:

• Air Accident Cover: Maximum ₹1 Crore coverage.

• Emergency Medical Expenses: Maximum ₹25 Lakh coverage.

• Travel Insurance: Up to ₹50,000 cover if delayed or loss of luggage.

Additional Benefits:

• Fuel Surcharge Waiver: 1% fuel surcharge waiver on spends of ₹400 to ₹5,000 with a maximum benefit of ₹250 per billing cycle.

• Renewal Fee Waiver: The Annual fee is waived on spending ₹1 Lakh in the previous year.

What are the fees for the HDFC Bank Diners Club Miles Credit Card?

Here is a simple HDFC Bank Diners Club Miles Credit Card fee breakup.

Joining Fee	₹1,000 plus GST
Annual Fee	₹1,000 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.6% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Diners Club Miles Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank Diners Club Miles Credit Card?

The documents that you will have to submit to Get an HDFC Bank Diners Club Miles Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Diners Club Miles Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC Bank Diners Club Miles Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your HDFC Bank Diners Club Miles Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HDFC Bank Diners Club Miles Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Diners Club Miles Credit Card?

The credit limit of the HDFC Diners Club Miles Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank Diners Club Miles Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Diners Club Miles Credit Card.

• Just hover your cursor on the HDFC Diners Club Miles Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC Diners Club Miles Credit Card.

• Request for the credit card application form for the HDFC Bank Diners Club Miles Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Diners Club Miles Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Diners Club Miles Credit Card in 2025 be right?

Yes, the HDFC Diners Club Miles Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

The HDFC Bank Diners Club Miles Credit Card is a smart and rewarding option for regular flyers and people who prefer to gain benefits from the money they spend daily. You can earn 4 Reward Points per ₹150 spent with this card, which can be utilized for air miles, air ticket booking, hotel stay, shopping, or cashback. So, it is a multi-purpose and benefit-packed card for all.

One of the biggest benefits of this card is its travel benefits. It grants you complimentary access to airport lounges across India and even outside India, which will make your travel experience richer and relaxing. It also offers travel insurance, medical emergency cover, and accidental cover, which will make you feel more comfortable when you are away from home.

The Credit card also respects your dining experiences by offering you discounts at upscale restaurants. From spending on food, flights, and hotels to even online shopping, this card keeps on rewarding you in the form of Reward Points. Additionally, if you spend ₹1 lakh in a year, your next year’s annual fee of ₹1,000 is exempt – which is a huge advantage.

Frequently Asked Questions (FAQ’s)