The HDFC Diners Club Miles Credit Card is issued by HDFC Bank on the Diners Club International network. It is designed primarily for travellers who want to earn and redeem airline miles through their regular credit card spending.

• Issued by HDFC Bank on the Diners Club network
• Annual fee of Rs. 1,000 + GST (waivable at Rs. 1 lakh annual spend)
• Earns 4 reward points for every Rs. 150 spent
• 1:1 airmile transfer to Singapore Airlines, British Airways, and Club Vistara
• Complimentary domestic and international airport lounge access
• Comprehensive travel insurance including Rs. 1 Crore air accident cover

Earn 4 reward points for every Rs. 150 spent on all retail purchases (except fuel, rent, and government payments). The base reward rate translates to approximately 1.33% at SmartBuy redemption value of Rs. 0.50 per point.

10X Accelerated Rewards

Earn 10X reward points (40 RP per Rs. 150) on purchases through SmartBuy and partner brands. This accelerated rate is capped at 5,000 bonus reward points per month, translating to a maximum spend of approximately Rs. 18,750 at the accelerated rate.

Airmile Transfer

The standout benefit - convert your reward points to airmiles at an industry-leading 1:1 ratio with Singapore Airlines KrisFlyer, British Airways Avios, and Club Vistara. Each airmile is worth approximately Rs. 1, effectively doubling the base reward rate to ~2.6% for smart redeemers.

Airport Lounge Access

Get 6 complimentary visits per calendar year to 25+ domestic lounges in India and 700+ international airport lounges worldwide through the Diners Club network.

Insurance Coverage

Comprehensive travel insurance including Rs. 1 Crore air accident cover, Rs. 25 Lakhs emergency overseas medical expenses, Rs. 55,000 travel insurance for baggage loss/delay, and Rs. 9 Lakhs credit liability protection.

Dining Privileges

Enjoy 15% discount and 1,400+ exclusive offers at premium restaurants across India through the Diners Club dining program.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India, capped at Rs. 250 per billing cycle.

• 1,000 reward points credited upon payment of the joining fee (worth Rs. 500 on SmartBuy)

Renewal Benefits

• 1,000 reward points credited upon payment of the renewal membership fee
• Renewal bonus is not applicable if the fee has been waived through spend-based waiver

Annual Fee Waiver

• Annual fee of Rs. 1,000 is waived if you spend Rs. 1 lakh or more in a year before the renewal date

The HDFC Diners Club Miles Credit Card provides complimentary airport lounge access at both domestic and international airports through the Diners Club network.

• Domestic lounges: 6 complimentary visits per calendar year to 25+ airport lounges across India
• International lounges: 6 complimentary visits per calendar year to 700+ airport lounges worldwide
• Lounge access is shared between the primary and add-on cardholders
• Access is via card swipe at participating lounges
• Delhi and Bangalore airports have dedicated Diners Club lounge sections with better amenities

You earn 4 reward points for every Rs. 150 spent on all eligible retail purchases. Fuel transactions, rent payments, EMI conversions, wallet loads, and government payments are excluded from earning reward points.

10X Accelerated Rewards

Earn 10X reward points on purchases through HDFC SmartBuy portal and select partner brands. The accelerated rewards are capped at 5,000 bonus points per month.

Redemption Options

Reward points can be redeemed in multiple ways:

• Airmiles (Best Value): 1 RP = 1 Airmile with Singapore Airlines KrisFlyer, British Airways Avios, or Club Vistara (~Rs. 1 per point)
• SmartBuy: 1 RP = Rs. 0.50 for flight and hotel bookings on hdfcbankdinersclub.in
• Products/Vouchers: 1 RP = up to Rs. 0.35 from the rewards catalogue
• Cashback: 1 RP = Rs. 0.20 as statement credit (lowest value)

Redemption Fee

Each redemption request incurs a fee of Rs. 99 plus applicable taxes.

• Nationality: Indian citizen
• Age: 21 to 60 years
• Minimum net monthly income: Rs. 30,000

For Self-Employed Individuals

• Nationality: Indian citizen
• Age: 21 to 65 years
• Minimum annual income: Rs. 3.6 lakhs (as per ITR)

Credit Score

• Recommended CIBIL score: 700 and above
• Good credit history with no major defaults

• PAN Card
• Aadhaar Card
• Passport
• Driving License

Address Proof (any one)

• Aadhaar Card
• Voter ID
• Passport
• Utility Bill (not older than 3 months)

Income Proof

• Salaried: Latest 3 months salary slips, Form 16, or bank statement showing salary credits
• Self-Employed: Latest 2 years ITR, audited financial statements

1. Visit the HDFC Bank website and navigate to the Diners Club Miles Credit Card page
2. Click on "Apply Now" and fill in your personal and financial details
3. Upload the required documents (identity proof, address proof, income proof)
4. Submit the application and note down your reference number
5. HDFC Bank will verify your details and process the application within 7-10 working days

Offline Application

1. Visit the nearest HDFC Bank branch
2. Request the credit card application form
3. Fill in the required details and attach supporting documents
4. Submit the form to the branch representative

Upgrade Path

Existing HDFC Bank credit card holders with a credit limit above Rs. 1.5 lakhs and good spending history may be eligible for an upgrade to this card.

The HDFC Diners Club Miles Credit Card is an excellent entry-level travel card that offers outstanding value at its Rs. 1,000 annual fee. Its 1:1 airmile transfer ratio with top airlines like Singapore Airlines and British Airways is unmatched at this price point, making it one of the best cards for frequent flyers who want to build their airmile balance through everyday spending.

The card is best suited for travellers who can look past the limited Diners Club network acceptance and keep a backup Visa or Mastercard for wider usage. With 6 lounge visits, comprehensive travel insurance, and 10X partner rewards, it delivers premium-card-level travel benefits at a fraction of the cost. If your primary goal is earning airmiles efficiently, this card should be in your wallet.