Welcome Benefits – HDFC Diners ClubMiles card comes with 1000 Welcome Bonus Points worth Rs. 500 on payment of joining fee equal to Rs. 1000.
Renewal Benefits – Continuing the benefit of bonus points in starting of membership year, you get 1000 Bonus Points worth Rs. 500 in exchange of renewal fee of Rs. 1000 for 2nd and consecutive years.
Rewards Points Accrual – HDFC Diners ClubMiles card gives you the benefit of 4 Reward Points on every Rs. 150 spent on retail purchase. Apart from it, you earn incremental benefit of 40 Reward Points in against of every Rs. 150 you spent on international PoS purchases. You can earn maximum of 5000 reward points in a statement month on international purchases. Each reward that you earn on HDFC Diners ClubMiles card gives you the cashback value of Rs. 0.50. Apart from international transactions, you also earn 10X reward points for every Rs. 150 spent on SmartBUY on following brands – Yatra, Flipkart and Cleartrip, and Online Partner brands such as Tata CLiQ, Zomato, BigBasket, Uber, BookMyShow, SOTC, redBus and Treebo Hotels as valid till Dec 31st 2018. You can earn a maximum of 25,000 reward points per statement month under 10X SmartBUY reward program and maximum of 5,000 reward points with select Online Partner brands. Aside from 10X Reward Program, you also get the chance to earn 20 reward points on every Rs. 150 spent on your HDFC Bank Diners ClubMiles Card under 5X reward program whenever you spend online at the following brands – BigBasket, MakeMyTrip, Snapdeal, redBus, SpiceJet, Goibibo and Kalyan Jewellers. You can also redeem your accumulated reward points against air miles. You can redeem each 10 Reward Points for 10 AirMiles at partner airlines and hotels including British Airways, Jet Airways, Kris Flyer, Trident Hotels and Club Vistara. However, you do not earn reward point for your spend against EasyEMI and E-Wallet loading transactions as well as against Fuel transactions. In case you convert an existing transaction into EMI under HDFC Bank SmartEMI program, the reward points earned against the transaction value will get revert back.
Airport Lounge Access – You can avail up to 6 complimentary access to domestic and international Diners Club lounges in a calendar year on your HDFC Bank Diners Club ClubMiles Cards. A fee of Rs. 2 will be charged on your card for validation purpose on each visit.
Lost Card Liability Cover – On HDFC Diners ClubMiles Card, you get a credit liability cover of up to Rs. 9 Lacs as applicable on fraud transactions 2 days prior reporting and 30 days post reporting.
Fuel Surcharge Waiver – In case of fuel transaction on your HDFC Bank Diners ClubMiles card, you get waiver of surcharge equal to 1% of the fuel transaction only if transaction value is between Rs. 400 to Rs. 5,000, subject to minimum benefit of Rs. 10 per transaction. The maximum benefit you can get under fuel surcharge waiver is limited to Rs. 500 per statement month.
Dining Discount – Whenever you dine at the partner restaurants, you get 15% discount on the bill with Diners Club Global Dining offers giving you access to more than 1400 offers at across the globe. To check the latest nearby dining offers, click here.
International Travel Cover – Unlike HDFC Diners Club Rewardz Card, you get protection cover from accidental death due to air accident to travel cover on your HDFC Diners ClubMiles card. You get personal air accident insurance of Rs. 1 crore in case of death in the accident at the sport or within 12 months of accident due to injury. You also get medical cover of Rs. 25 Lacs in case of international travel. However, this protection is limited only for maximum international travel of up to 30 days. Air Accident cover and medical protection cover is provided by HDFC Ergo Limited. Apart from it, you get baggage delay cover of up to Rs. 50,000, subject to maximum US$10 per hour for maximum of 8 hours in case of international travel and maximum of US$30 for single item. You also get protection in case of plane hijacking and get cover of up to Rs. 50,000 in excess of 12 hours, subject to maximum of US$75 for each 6 hours on international flight.
Global Value Program – Tune into Global Value Program by paying an annual fee of Rs. 199 only and avail additional benefits on your international transactions. Under Global Value Program, you earn 500 Bonus Reward Points worth Rs. 150 on your first international transaction. Apart from it, you also earn Rs. 2,000 Yatra voucher on spending Rs. 1.50 Lacs in a year on international transactions. Aside from the welcome bonus reward and milestone benefit, you also get 1% cashback on your all international transactions.
Low Foreign Currency Mark-up – Being a HDFC Diners ClubMiles cardholder, you get the benefit of low currency conversion charges on your international transactions. Unlike other HDFC cards, Diners ClubMiles cards comes with 1.5% benefit on foreign currency conversion charges. You pay only 3% foreign currency markup fee against regular fee of 3.5% on each international transaction.
High Interest Rate – Even being good on reward benefits, HDFC Diners ClubMiles Card have it’s own downfall such as High Interest Rate. HDFC Diners ClubMiles Card comes with monthly interest rate of 3.49% as compared to Citibank Rewards Card coming with monthly interest rate of only 3.25% and SBI Cards such as SBI Card PRIME which comes with 3.35% monthly interest rate.
Limited Cashback – The direct cashback benefit you earn on your HDFC Diners ClubMiles card is limited to only 15% on your dining spend. Apart from it, you don’t earn any direct cashback benfit on the card.
Limited Cash Withdrawal – HDFC Bank Diners ClubMiles card comes with maximum cash withdrawal limit of only 40% of the credit limit as compared to other competing cards such as SBI Cards which offers cash withdrawal as high as 80% of the credit limit.
The reward points earned on each eligible transaction is valid for 2 years from the date of accumulation.
Regular Reward Points earned on each eligible transaction will be posted into your credit card account as per the same day of transaction. However, in case of incremental (10X) rewards, points earned under 10X reward program will be posted into your credit card account by the next statement month.
HDFC Bank Diners ClubMiles card comes with a privilege of 24/7 Travel Concierge Service. All you need to do is dial toll-free number 1800-209-4006 from your registered phone number and you can ask for any travel related assistance.
For claiming your travel insurance cover, dial +800-0825-0825 (Toll-free) or 0120-4507250 (Chargable) from your registered mobile number. You can also email HDFC Ergo Ltd. at email@example.com and submit the documents required for claim at their postal address – HDFC ERGO General Insurance Company Limited, 5th floor, Tower 1, Stellar IT Park, C-25, Sector-62, Noida-201301.
Age of a salaried applicant should be minimum 21 years to maximum 60 years.
Age of a self-employed applicant should be minimum 21 years to maximum 65 years.
The minimum monthly salary of a Salaried Applicant should be at least Rs. 30,000.
The minimum income for a Self-Employed Applicant should be at least Rs. 3.6 Lacs per annum.
Offer 1 – You can earn back your annual fee of Rs. 1000 as waiver whenever you spend Rs. 1 Lac annually on your Diners ClubMiles card. On reaching the milestone of Rs. 1 Lac annual spend, you’ll get card membership for next year free of cost.
Fees & Penalties
Type of Charges
Add-on Card Fee
3.49% per month
Cash Withdrawal Limit
Max 40% of credit limit
2.5% of the cash amount or Min Rs. 500.
Zero to Rs. 750
2.5% of the overlimit amount or Min Rs. 500.
2% of the payment amount or min Rs. 500 per instance
Foreign Currency Transaction
3% on the rupee value after conversion
1% of the fuel transaction, subject to minimum Rs. 10