MyFinCards
InterMiles HDFC Bank Diners Club Credit Card

Joining Fee

₹5,000

Annual Fee

Rs. 5000 + Taxes

HDFC Bank
Travel
Rewards
Lifestyle
Best For: Frequent travelers, InterMiles collectors, Golf enthusiasts, High spenders seeking lounge access

InterMiles HDFC Bank Diners Club Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Pros

  • Unlimited domestic lounge access at 1,000+ lounges
  • Comprehensive travel insurance including ₹2 crore air accident cover
  • Earn InterMiles on spends
  • Complimentary golf games
  • Annual fee waiver on ₹8 lakh annual spend
  • 1% fuel surcharge waiver

Cons

  • High income requirement (₹1.2 lakh/month for salaried)
  • Add-on card holders do not get primary card features
  • Fee waiver means no Flight/Hotel discount vouchers

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Renewal fee waiver removes eligibility for Flight/Hotel discount vouchers

Baggage delay insurance capped at $10 per hour restricted to 8 hours

Key Benefits & Features

Up to 50 days interest-free credit period from date of purchase.

Up to 3 add-on cards for immediate family members over 18 years.

Contactless payments enabled; transactions up to ₹5,000 without PIN, ₹5,000 and above require PIN.

Zero liability on lost card for fraudulent transactions if reported immediately to HDFC Bank 24-hour Call Centre.

Eligibility Criteria

Min. Annual Income

₹14.4 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Passport
Aadhaar Card
Voter ID
Driving Licence
PAN Card
Passport size photograph

ADDRESS Proof

Utility bills (electricity, water, gas, or telephone)
Rental agreement
Passport
Aadhaar Card
Voter ID

INCOME Proof

Salary slips (for salaried individuals)
Income Tax Returns (ITR)
Form 16
Bank statements
Official Terms & Conditions

About InterMiles HDFC Bank Diners Club Credit Card

The InterMiles HDFC Bank Diners Club Credit Card is a premium travel and lifestyle credit card that lets cardholders earn InterMiles on everyday spends, which can be redeemed through InterMiles.com. Formerly associated with JPMiles, the program has transitioned fully to InterMiles, offering members a robust platform for accruing and utilizing their rewards across travel, dining, and lifestyle experiences. The card comes loaded with strong insurance and protection benefits, including air accident cover of up to ₹2 crore, emergency overseas hospitalization cover of ₹50 lakh, baggage delay travel insurance, and a credit liability cover of up to ₹9 lakh. Cardholders also enjoy a 1% fuel surcharge waiver at fuel stations across India, with a maximum monthly waiver of ₹1,000. An annual fee waiver is available for those who spend ₹8 lakh or more in a year, making it rewarding for high spenders. Additional conveniences include contactless payment capability, zero liability on lost card fraud, up to 50 days of interest-free credit, revolving credit at 1.99% per month, and the ability to add up to three family members as add-on cardholders. This card is ideally suited for frequent travelers, InterMiles enthusiasts, and those seeking premium lifestyle and financial protection benefits in a single card.

Expert Review

Our Verdict

Premium Diners Club card with unlimited lounge access, InterMiles rewards, and comprehensive travel insurance.

Frequently Asked QuestionsAbout InterMiles HDFC Bank Diners Club Credit Card

OTHERWhat is an InterMiles HDFC Bank Diners Club Credit Card?
The InterMiles HDFC Bank Diners Club Credit Card is a premium Credit Card that offers exclusive benefits, rewards, and privileges. It allows you to earn InterMiles on your spends and provides access to various travel, lifestyle, and dining benefits. You can accrue and redeem InterMiles via www.InterMiles.com. It is built on the Diners Club network and is well-suited for frequent travelers seeking comprehensive rewards and insurance coverage.
DOCUMENTSWhat documents are required to apply for the InterMiles HDFC Bank Diners Club Credit Card?
To apply for the InterMiles HDFC Bank Diners Club Credit Card, you need to submit identity proof (such as Aadhaar or PAN Card), address proof (such as a latest utility bill or passport), and income proof. Salaried individuals must provide latest salary slips, while self-employed individuals are required to submit income tax returns. Ensure all documents are valid and up to date before applying.
OTHERHow is the credit limit determined for the InterMiles HDFC Bank Diners Club Credit Card?
The credit limit of the InterMiles HDFC Bank Diners Club Credit Card is not fixed and varies from applicant to applicant. HDFC Bank determines the credit limit based on various factors such as your income, repayment history, and overall creditworthiness. A stronger credit profile typically results in a higher credit limit. You can contact HDFC Bank's customer care for more details regarding your specific credit limit.
ELIGIBILITYWhat are the eligibility criteria for the InterMiles HDFC Bank Diners Club Credit Card?
To be eligible for the InterMiles HDFC Bank Diners Club Credit Card, applicants must be at least 21 years of age. Salaried individuals need a minimum monthly income of ₹1,20,000 (₹14,40,000 annually). Self-employed applicants may have different income assessment criteria. A good credit history and creditworthiness are also important factors considered during the application process. HDFC Bank reserves the right to approve or reject applications based on its internal policies.
FEESHow can I get a waiver on the annual membership fee?
You can get a waiver on the next year's annual membership fee by spending ₹8 lakh or more in a year on your InterMiles HDFC Bank Diners Club Credit Card. However, please note that if your annual fee is waived, you will not receive the Flight or Hotel discount vouchers that are typically provided to fee-paying members. Plan your spends accordingly to decide which benefit suits you better.
BENEFITSWhat insurance benefits does the InterMiles HDFC Bank Diners Club Credit Card offer?
The InterMiles HDFC Bank Diners Club Credit Card comes with comprehensive insurance coverage including an air accident insurance cover worth ₹2 crore, emergency overseas hospitalization cover of ₹50 lakh, and travel insurance covering up to ₹55,000 on baggage delay (capped at $10 per hour, restricted to 8 hours). Additionally, it includes a credit liability cover of up to ₹9 lakh, offering robust protection for cardholders during travel and everyday use.
BENEFITSWhat is the fuel surcharge waiver offered on the InterMiles HDFC Bank Diners Club Credit Card?
The InterMiles HDFC Bank Diners Club Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India on transactions of a minimum of ₹400. The maximum waiver is capped at ₹1,000 per billing cycle. This benefit helps reduce your overall fuel expenses when you regularly use your card for refueling, making it a practical everyday benefit alongside the card's premium travel and rewards features.
USAGEHow does contactless payment work on the InterMiles HDFC Bank Diners Club Credit Card?
The InterMiles HDFC Bank Diners Club Credit Card is enabled for contactless payments at retail outlets. In India, contactless transactions up to ₹5,000 do not require a PIN entry. For transactions of ₹5,000 or more, cardholders must enter their Credit Card PIN for security. Look for the Contactless Network Symbol on your card or at the payment terminal to confirm contactless payment is supported at a given outlet.
BENEFITSCan I get add-on cards for my family members?
Yes, the InterMiles HDFC Bank Diners Club Credit Card allows you to avail up to 3 add-on cards for your immediate family members who are above 18 years of age. However, it is important to note that the card features and benefits, such as lounge access and insurance cover, are applicable only to the primary cardholder and not to add-on cardholders. Add-on cards allow family members to share the spending convenience of the account.
REWARDSWhat rewards can I earn with the InterMiles HDFC Bank Diners Club Credit Card?
The InterMiles HDFC Bank Diners Club Credit Card allows you to earn InterMiles (formerly JPMiles) on your everyday spends. These InterMiles can be accrued and redeemed via www.InterMiles.com for flights, hotels, and other travel-related rewards. The card's reward type is classified as Air Miles, making it an excellent choice for frequent flyers and travel enthusiasts who want to maximize their spends and convert them into meaningful travel benefits.
FEESWhat is the interest rate on revolving credit for this card?
The InterMiles HDFC Bank Diners Club Credit Card offers revolving credit at an interest rate of 1.99% per month, which is among the lowest available. Cardholders also benefit from an interest-free credit period of up to 50 days from the date of purchase, subject to the submission of the charge by the merchant. To avoid interest charges, it is advisable to pay your outstanding balance in full before the due date each billing cycle.
OTHERWhat should I do if my InterMiles HDFC Bank Diners Club Credit Card is lost or stolen?
If your InterMiles HDFC Bank Diners Club Credit Card is lost or stolen, you should immediately report it to HDFC Bank's 24-hour Call Centre. The card comes with zero liability protection on fraudulent transactions, provided the loss is reported promptly. Timely reporting ensures that you are not held responsible for any unauthorized transactions made after you notify the bank. Acting quickly is essential to protect yourself from potential financial loss.
BENEFITSDoes the InterMiles HDFC Bank Diners Club Credit Card offer lounge access?
Yes, the InterMiles HDFC Bank Diners Club Credit Card offers unlimited domestic lounge access at over 1,000 lounges across India. This is a significant travel perk that allows primary cardholders to relax and refresh before their flights without incurring any additional charges. Please note that this benefit is available exclusively to the primary cardholder and does not extend to add-on cardholders. Lounge access is subject to the terms and conditions set by the bank and respective lounges.
BENEFITSDoes the InterMiles HDFC Bank Diners Club Credit Card offer golf benefits?
Yes, the InterMiles HDFC Bank Diners Club Credit Card includes complimentary golf games as one of its lifestyle benefits. This makes the card an attractive option for golf enthusiasts who also enjoy travel and rewards perks. The card is categorized under Travel, Rewards, and Lifestyle segments, reflecting its all-around premium positioning. For specific details on the number of complimentary golf rounds and participating golf courses, you should refer to the card's Most Important Terms and Conditions document.
APPLICATIONHow can I apply for the InterMiles HDFC Bank Diners Club Credit Card?
You can apply for the InterMiles HDFC Bank Diners Club Credit Card online through the HDFC Bank website by filling out the credit card application form. You will need to provide personal details along with the required documents including identity proof, address proof, and income proof. Alternatively, you can visit your nearest HDFC Bank branch or contact HDFC Bank's customer care for assistance with your application. Ensure you meet the minimum eligibility criteria before applying to improve approval chances.

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