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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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