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HDFC InterMiles Diners Club

HDFC InterMiles Diners Club

Annual Fee

₹5,000

Rewards/₹100

₹2.67 - ₹9.16

Normalized to balance base rate with bonus categories

Interest Rate

23.88%

Credit Score

730+

At a Glance

Key Benefits

8 InterMiles/Rs 150, unlimited lounges, golf, Rs 2Cr cover

Lounge Access

Unlimited domestic + international via Diners Club

Eligibility

Min income Rs 1.2L/month salaried, age 21-60, CIBIL 730+

Quick Analysis

The InterMiles HDFC Bank Diners Club Credit Card was a strong travel-focused card offering excellent lounge access, golf privileges, and InterMiles earning potential. However, this card has been discontinued by HDFC Bank and existing customers have been migrated to other cards. For those still holding the card, it offered good value for the Rs 5,000 annual fee with a fee waiver on Rs 8 lakh annual spend.

Pros

  • Unlimited domestic and international lounge access
  • Generous welcome benefits up to 25,000 InterMiles
  • 2x InterMiles on flight and hotel bookings via intermiles.com
  • Comprehensive insurance including Rs 2 Cr air accident cover
  • Unlimited complimentary golf games and coaching

Cons

  • Card has been phased out by HDFC Bank
  • Fuel and wallet transactions excluded from rewards
  • Grocery rewards capped at 1,000 per month
  • Redemption fee of Rs 99 per transaction

Best For

Frequent travellers who want to earn InterMiles on everyday spends with unlimited lounge access, golf privileges, and comprehensive travel insurance.

Not Ideal For

Those seeking active credit card programs - this card has been phased out. Also not ideal for high fuel or grocery spenders due to exclusions and caps.

Quick Details

Annual Fee
₹5,000 #77
Joining Fee
₹5,000 #75
Interest Rate
23.88% p.a. #1
Forex Markup
2.00% #7
Fuel Surcharge Waiver 1.00% (₹400.00-₹100000.00)
Rewards/₹100
₹2.67 - ₹9.16 #7
Reward Type Reward Points
Points Expiry 36 months
Reward Currency Points
Domestic Lounge Visits
Unlimited #1
International Lounge Visits
Unlimited #1
Min Credit Score These are observed patterns, not bank-published rules.
730+ #46
Min Annual Income These are observed patterns, not bank-published rules. ₹1,20,000
Card Replacement Fee ₹100
Late Payment Fee ₹900
Foreign Currency Markup 2.00%
Reward Redemption Fee ₹99
Rent Payment Fee 1.00%
EMI Processing Fee 2.00%
GST Levy 18.00%
Fee Waiver on Spend ₹8,00,000/yr

Card Features

Contactless International Usage EMI Conversion Balance Transfer Add-on Cards (3) 24x7 Concierge Priority Support

Airport Lounge Access

Domestic Free
Unlimited

visits

Unlimited access to 1,000+ domestic airport lounges via Domestic Lounge Program.

International Free
Unlimited

visits

Access to leading international airport lounges via Exclusive Lounge Program (Diners Club).

Reward Structure

Base

All Spends

₹2.67 /₹100
Accel

Travel

₹5.33 /₹100
Cat

Hotels via intermiles.com

₹5.33 /₹100
Partner

Partner

₹6.67 /₹100
Cat

Insurance Transactions (capped)

₹2.67 /₹100
Cat

Grocery

₹2.67 /₹100

No Rewards On

Fuel Wallet Loads EMI Transactions

Reward Redemption

Redeem your InterMiles for cashback, travel, and more

Best

InterMiles Travel Redemption

Travel Booking
₹0.50/point

Redeem InterMiles for flights, hotels and travel on intermiles.com.

Best

InterMiles Flights

Flight Booking (Portal)
₹0.50/point

Book flights directly on intermiles.com using earned InterMiles.

InterMiles Hotels

Hotel Booking (Portal)
₹0.50/point

Book hotels on intermiles.com using earned InterMiles.

Avios

Airline ProgramOneworld
₹1.10/point

1:1 transfer ratio

Skywards

Airline Program
₹0.85/point

1:1 transfer ratio

Etihad Guest

Airline Program
₹0.80/point

1:1 transfer ratio

KrisFlyer

Airline ProgramStar Alliance
₹0.80/point

1:1 transfer ratio

Club

Airline ProgramStar Alliance
₹0.75/point

1:1 transfer ratio

InterMiles Catalogue

Merchandise / Products
₹0.30/point

Redeem InterMiles for merchandise from the InterMiles catalogue.

Milestone Benefits

Welcome Bonus

InterMiles Gold Membership for the first year, flight discount vouchers worth Rs 2,000, and hotel discount vouchers worth Rs 3,000.

₹5,000

value

Welcome Bonus

10,000 bonus InterMiles on spending Rs 20,000 within the first 30 days of card setup.

Spend ₹20,000 within 30 days

₹5,000

value

Welcome Bonus

15,000 bonus InterMiles on total retail spends of Rs 1.5 lakh within the first 90 days.

Spend ₹1,50,000 within 90 days

₹7,500

value

Renewal Benefit

10,000 bonus InterMiles on spending Rs 20,000 within 30 days of card renewal, plus flight voucher Rs 1,000 and hotel voucher Rs 2,000.

Spend ₹20,000 within 30 days

₹5,000

value

Annual Benefit

Annual fee of Rs 5,000 waived on spending Rs 8 lakh in the previous year.

Spend ₹8,00,000 within 365 days

₹5,000

value

Lifestyle Perks

Golf

100.00% off

Unlimited complimentary golf games and coaching at leading courses in India and select courses worldwide.

Dining

40.00% off

Complimentary Dineout Passport with up to 40% off dining, 25% flat at 2000+ restaurants, 1+1 buffet at 200+.

Concierge

100.00% off

24x7 concierge for reservations, referrals, car rental, and business services.

Custom

10.00% off

10% off Etihad Business Class and 5% off Economy Class tickets via intermiles.com.

Category Rankings

See how this card performs in different spending categories compared to other cards.

Grocery #11 /49
5.3333 pts/₹100 Top 23%
Insurance #1 /25
5.3333 pts/₹100 Top 4%
International #2 /23
13.3333 pts/₹100 Top 9%
Online #4 /57
10.6667-26.6667 pts/₹100 Top 8%
Shopping #9 /51
10.6667 pts/₹100 Top 18%
Travel #9 /45
10.6667-13.3333 pts/₹100 Top 20%

The InterMiles HDFC Bank Diners Club Credit Card is a co-branded travel credit card launched in partnership with InterMiles (formerly JetPrivilege). It is designed for frequent travellers who want to earn InterMiles on everyday spending and redeem them for flights, hotels, and travel experiences.

Important Note: This card has been phased out by HDFC Bank. Existing customers were notified between January-February 2023 and migrated to other HDFC Bank credit cards. Effective January 2023, reward offerings were capped.

With a joining and annual fee of Rs. 5,000 each, the card offered an impressive suite of travel benefits including unlimited domestic and international lounge access, complimentary golf privileges, comprehensive insurance coverage, and attractive InterMiles earning rates on retail and travel spends.

What is HDFC InterMiles Diners Club?

The InterMiles HDFC Bank Diners Club Credit Card is a premium co-branded credit card on the Diners Club network, issued by HDFC Bank in partnership with InterMiles. Key highlights include:

  • Earn 8 InterMiles for every Rs. 150 spent on retail purchases
  • 2x InterMiles (16 per Rs. 150) on flight and hotel bookings via intermiles.com
  • Unlimited access to 1,000+ domestic and international airport lounges
  • Unlimited complimentary golf games and coaching at leading courses
  • Air accident insurance cover of Rs. 2 crore
  • Emergency overseas hospitalization cover of Rs. 50 lakh
  • Complimentary Dineout Passport Membership with up to 40% off dining
  • 24x7 concierge services
  • Up to 50 days interest-free credit period

Travel Benefits

The card offers unlimited airport lounge access through the Domestic Lounge Program covering 1,000+ lounges in India. International lounge access is available through the Exclusive Lounge Program (Diners Club). Cardholders also enjoy exclusive discounts on Etihad Airways with 10% off Business Class and 5% off Economy Class tickets booked via intermiles.com.

Rewards Program

Earn 8 InterMiles for every Rs. 150 spent on retail purchases. On flight and hotel bookings through intermiles.com, you earn double - 16 InterMiles per Rs. 150. Etihad Airways bookings earn 2.5x bonus InterMiles. Up to 10x rewards are available on select partner platforms like SmartBuy.

Dining Benefits

Complimentary Dineout Passport Membership provides up to 40% off on dining. This includes an assured 25% discount at over 2,000 premium restaurants, an additional 15% off for cardholders, 1+1 on buffet at 200+ restaurants, and early access to food events and festivals.

Golf Privileges

Unlimited complimentary golf games at leading golf courses across India and select courses worldwide. Additionally, unlimited complimentary golf coaching is available at selected courses in India.

Insurance Coverage

Comprehensive protection including Rs. 2 crore air accident cover, Rs. 50 lakh emergency overseas hospitalization, Rs. 55,000 travel insurance on baggage delay, and Rs. 9 lakh credit liability cover.

Welcome Benefits

  • Complimentary InterMiles Gold Membership for the first year
  • 10,000 bonus InterMiles on spending Rs. 20,000 within 30 days of card setup
  • 15,000 bonus InterMiles on total retail spends of Rs. 1.5 lakh within 90 days
  • Flight discount vouchers worth Rs. 2,000 for the first year
  • Hotel discount vouchers worth Rs. 3,000 for the first year

Renewal Benefits

  • 10,000 bonus InterMiles on spending Rs. 20,000 within 30 days of anniversary date
  • Flight discount vouchers worth Rs. 1,000
  • Hotel discount vouchers worth Rs. 2,000
  • Renewal benefits applicable on realisation of membership fee

Annual Fee Waiver

Spend Rs. 8 lakh in a year to get next year annual membership fee waived. Note: Flight/hotel discount vouchers are not provided in case of fee waiver.

Airport Lounge Access

The InterMiles HDFC Bank Diners Club Credit Card provides comprehensive airport lounge access:

  • Domestic Lounges: Unlimited complimentary access to 1,000+ airport lounges across India through the Domestic Lounge Program.
  • International Lounges: Access to leading international airport lounges worldwide through the Exclusive Lounge Program (Diners Club).

Lounge facilities include light refreshments, conference rooms, fax machines, and more. Terms and conditions apply.

Earning InterMiles

  • Base Rate: 8 InterMiles for every Rs. 150 spent on retail purchases
  • Travel Bookings: 16 InterMiles (2x) per Rs. 150 on flights and hotels via intermiles.com
  • Etihad Airways: 2.5x bonus InterMiles on tickets booked via intermiles.com
  • SmartBuy: Up to 10x reward points on select partner platforms
  • Accelerated Shopping: Enhanced InterMiles on shopping through the InterMiles website

Exclusions and Caps

  • Fuel transactions do not earn InterMiles
  • Cash advances and e-wallet loading excluded
  • EasyEMI and SmartEMI conversions reverse accrued InterMiles
  • Insurance transactions capped at 2,000 InterMiles per transaction
  • Grocery rewards capped at 1,000 per month (effective Jan 2023)

Redemption

InterMiles can be redeemed on intermiles.com for flights, hotels, and travel experiences. A redemption fee of Rs. 99 plus applicable taxes is charged per transaction.

Fees & Charges

Fee TypeAmount
Joining FeeRs. 5,000 + GST
Annual FeeRs. 5,000 + GST
Annual Fee WaiverSpend Rs. 8 lakh in previous year
Interest Rate1.99% per month (23.88% p.a.)
Interest-Free PeriodUp to 50 days
Foreign Currency Markup2%
Cash Advance Fee2.5% (min Rs. 500)
Late Payment FeeUp to Rs. 900
Over Limit Fee2.5% (min Rs. 550)
Reward Redemption FeeRs. 99 + taxes
Card Replacement FeeRs. 100
Fuel Surcharge Waiver1% on transactions Rs. 400+, max Rs. 1,000/billing cycle

For Salaried Individuals

  • Indian nationality
  • Age: 21 to 60 years
  • Minimum gross monthly income: Rs. 1,20,000
  • Good credit history with CIBIL score of 730+

For Self-Employed Individuals

  • Indian nationality
  • Age: 21 to 65 years
  • Minimum annual ITR: Rs. 14,40,000
  • Good credit history

Identity Proof (Any One)

  • Aadhaar Card
  • PAN Card
  • Passport
  • Voter ID
  • Driving Licence

Address Proof (Any One)

  • Utility bills (electricity, water, gas, telephone)
  • Rental agreement
  • Passport
  • Aadhdr Card
  • Voter ID

Income Proof

  • For Salaried: Latest salary slips, Form 16, bank statements
  • For Self-Employed: Income Tax Returns (ITR), bank statements

Other Documents

  • Passport-size photograph

Important Notice

This card has been phased out by HDFC Bank and is no longer available for new applications. Existing customers have been migrated to other HDFC Bank credit cards.

Previously Available Application Methods

  1. Online: Visit the HDFC Bank website and navigate to the credit cards section
  2. Branch Visit: Visit your nearest HDFC Bank branch with required documents
  3. Phone: Call HDFC Bank customer care to request an application

Documents Required

  • Identity proof: Aadhaar card, PAN card, Passport, Voter ID, or Driving Licence
  • Address proof: Utility bills, rental agreement, Passport, Aadhaar, or Voter ID
  • Income proof: Salary slips, ITR, Form 16, or bank statements
  • Passport-size photograph

Conclusion

The InterMiles HDFC Bank Diners Club Credit Card was a compelling choice for travel enthusiasts who preferred earning InterMiles on their everyday and travel spending. With unlimited domestic and international lounge access, complimentary golf privileges, comprehensive insurance coverage, and attractive earning rates on travel bookings, the card provided excellent value for its Rs. 5,000 annual fee.

However, it is important to note that this card has been discontinued by HDFC Bank. Existing customers have been migrated to alternative HDFC Bank credit cards. For those seeking similar travel benefits, the HDFC Diners Club Black or HDFC Diners Club ClubMiles cards may serve as suitable alternatives.

Frequently Asked Questions

What is the joining fee for the InterMiles HDFC Bank Diners Club Credit Card?
The joining fee is Rs. 5,000 plus applicable GST.
What is the annual fee and how can it be waived?
The annual fee is Rs. 5,000 plus GST. It can be waived by spending Rs. 8 lakh or more in the previous year. Note: Flight/hotel discount vouchers are not provided if the fee is waived.
How are InterMiles earned on this card?
You earn 8 InterMiles for every Rs. 150 spent on retail purchases. On flight and hotel bookings via intermiles.com, you earn 16 InterMiles (2x) per Rs. 150 spent. You also earn 2.5x bonus InterMiles on Etihad Airways tickets booked via intermiles.com.
What categories are excluded from earning InterMiles?
Fuel transactions, cash advances, e-wallet loading transactions, and EasyEMI/SmartEMI conversions do not earn InterMiles. Insurance transactions are capped at 2,000 InterMiles per transaction.
What are the welcome benefits?
You receive InterMiles Gold Membership for the first year, flight discount vouchers worth Rs. 2,000, hotel discount vouchers worth Rs. 3,000, 10,000 bonus InterMiles on spending Rs. 20,000 within 30 days, and 15,000 bonus InterMiles on spending Rs. 1.5 lakh within 90 days.
What lounge access does this card offer?
The card provides unlimited access to 1,000+ domestic airport lounges via the Domestic Lounge Program and access to leading international airport lounges via the Exclusive Lounge Program (Diners Club).
What insurance coverage is provided?
The card offers air accident cover of Rs. 2 crore, emergency overseas hospitalization cover of Rs. 50 lakh, travel insurance cover of up to Rs. 55,000 on baggage delay, and credit liability cover of up to Rs. 9 lakh.
What are the dining benefits?
You get complimentary Dineout Passport Membership with up to 40% off on dining. This includes a flat 25% discount at 2,000+ premium restaurants, an additional 15% off for cardholders, 1+1 on buffet at 200+ restaurants, and early access to food festivals.
What golf benefits are available?
The card provides unlimited complimentary golf games at leading courses across India and select courses worldwide. It also includes unlimited complimentary golf coaching at selected courses in India.
How can I redeem InterMiles?
InterMiles can be redeemed for travel-related bookings on intermiles.com including flights, hotels and experiences. A redemption fee of Rs. 99 plus applicable taxes is charged by HDFC Bank.
What is the foreign currency markup?
The foreign currency markup on all international transactions is 2%.
What are the eligibility requirements?
For salaried individuals: age 21-60 years, minimum monthly income Rs. 1,20,000. For self-employed: age 21-65 years, annual ITR above Rs. 14.4 lakh. Indian nationality required.
What documents are required to apply?
You need identity proof (Aadhaar, PAN, Passport, Voter ID), address proof (utility bills, rental agreement, Passport), and income proof (salary slips, ITR, Form 16, bank statements).
What is the interest rate on this card?
The interest rate is 1.99% per month (approximately 23.88% per annum). You get up to 50 days of interest-free credit period from the date of purchase.
Can I get add-on cards?
Yes, you can avail up to 3 add-on cards for immediate family members over 18 years of age. Note that card features like lounge access are applicable only for the primary card holder.
What is the fuel surcharge waiver?
You get a 1% fuel surcharge waiver at all fuel stations across India on transactions of Rs. 400 or more. The maximum waiver is capped at Rs. 1,000 per billing cycle.
What renewal benefits are offered?
On card renewal, you earn 10,000 bonus InterMiles on spending Rs. 20,000 within 30 days of anniversary date. You also receive flight discount vouchers worth Rs. 1,000 and hotel discount vouchers worth Rs. 2,000. Benefits are applicable on realisation of membership fee.
Is this card still available for new applications?
No. The InterMiles card was phased out by HDFC Bank. Existing customers were notified between January-February 2023 and have been migrated to other HDFC Bank credit cards. Effective January 2023, reward offerings were capped including 1% fee on rental transactions and grocery capping to 1,000 reward points per month.
Does this card offer a concierge service?
Yes, the card comes with 24x7 concierge services for reservations, referrals, car rental, and business services. Call 1800 118 887 or 022 42320226.
What are the Etihad Airways benefits?
You get 10% discount on Etihad Airways Business Class tickets, 5% discount on Economy Class tickets, and 2.5x bonus InterMiles when booking Etihad Airways tickets through intermiles.com/flights.
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Pawan Khatri
Reviewed by

Pawan Khatri

Founder

Pawan is the founder of CardNitty, with years of experience in personal finance and credit card optimization. He is passionate about helping consumers make smarter financial decisions.

Last updated: 1 February 2026

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