InterMiles HDFC Bank Diners Club Credit Card – Benefits, Fees & Eligibility

Introduction

The InterMiles HDFC Bank Diners Club Credit Card, issued by HDFC Bank, is positioned as a premium travel and lifestyle credit card. It offers a suite of exclusive benefits, including InterMiles Gold Membership, substantial bonus InterMiles, and unlimited access to domestic and international airport lounges. Designed for frequent travelers and those seeking a luxurious lifestyle, the card provides accelerated rewards on travel bookings and a low interest rate on revolving credit.

Welcome Benefits

• Exclusive InterMiles Gold Membership for the first year.
• Up to 25,000 bonus InterMiles as a welcome benefit.
• 10,000 bonus InterMiles on spending over Rs. 20,000 within the first 30 days of card setup.
• 15,000 bonus InterMiles on total retail spends of Rs. 1,50,000 or more within the first 90 days.
• Flight discount vouchers worth Rs. 2,000 for the first year.
• Hotel discount vouchers worth Rs. 3,000 for the first year.
• 2,500 Reward points on card activation and renewal.

Fees

• Joining Fee: Rs. 5,000 + GST
• Annual Fee: Rs. 5,000 + GST
• Spend-Based Waiver: The renewal fee of Rs. 5,000 is waived off if you spend Rs. 8 Lakhs or more in the previous year. In case of a fee waiver, the member will not receive Flight/Hotel discount vouchers.
• Rewards Redemption Fee: Rs. 99 (plus applicable taxes).
• Foreign Currency Markup: 2% on all international spends.
• Interest Rates: 1.99% per month on revolving credit.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India on a minimum transaction of Rs. 400. Maximum waiver capped at Rs. 1,000 every billing cycle.
• Cash Advance Charges: Higher of Rs. 500 or 2.5% of the amount withdrawn.
• Rental Transactions Fee: 1% fee will be applicable on Rental transactions from the second rental transaction of the calendar month.
• DCC Transactions Markup: 1% mark-up will be applicable on Dynamic Currency Conversion (DCC) transactions.

Rewards

• General Retail Spends: Earn 8 InterMiles for every Rs. 150 spent on retail transactions.
• Flight & Hotel Bookings: Earn 16 InterMiles for every Rs. 150 spent on flight and hotel bookings through intermiles.com.
• Etihad Airways Bookings: Earn 2.5x bonus InterMiles for Etihad Airways tickets booked on www.intermiles.com/flights.
• Accelerated Rewards: Up to 10X reward points on select partner platforms like SmartBuy and weekend dining.
• Bonus InterMiles on Renewal Spends: Earn 10,000 bonus InterMiles every year on spending Rs. 20,000 or more within the first 30 days after card renewal.
• Dining Benefits:
  • Complimentary Dineout Passport Membership.
  • Assured discount of 25% at over 2,000 premium restaurants.
  • Additional discount of 15% for InterMiles HDFC Bank Diners Club credit cardholders.
  • 1+1 on the buffet at more than 200 restaurants.
  • Early access to various events and festivals.
  • Up to 40% discount on dining when paying with the card.
• Travel Benefits:
  • Unlimited airport lounge access to 1,000+ lounges in India and all over the world through the Domestic Lounge Program and Exclusive Lounge Program.
  • Exclusive discount offers on Etihad Airways tickets: 10% discount on Business Class and 5% discount on Economy Class tickets booked through www.intermiles.com/flights.
• Golf Benefits:
  • Unlimited complimentary golf games at leading golf courses in India and selected golf courses all across the world.
  • Unlimited complimentary golf coaching at selected golf courses in India.
• Insurance Benefits:
  • Air accident cover amounting to Rs. 2 crores.
  • Emergency overseas hospitalization cover amounting to Rs. 50 lakhs.
  • Travel insurance cover amounting to Rs. 55,000 (on baggage delay, capped to $10 per hour, restricted to 8 hours).
  • Credit liability cover amounting to Rs. 9 lakhs.
• Other Rewards:
  • Ola cabs, BookMyShow vouchers, TataCliQ vouchers on monthly spends over Rs. 80,000.
• Reward Exclusions: InterMiles cannot be accrued on fuel spends, cash advances, e-wallet loading transactions, or if a retail transaction is converted into SmartEMI.
• Insurance Transaction Cap: InterMiles accrued for Insurance transactions will have a maximum cap of 2,000 per transaction or per day (conflicting information, will list both).

Rewards Redemption Guide

• InterMiles earned through the InterMiles HDFC Bank Diners Club Credit Card can be redeemed easily on intermiles.com, primarily against travel-related bookings.
• A nominal reward redemption fee of Rs. 99 (plus applicable taxes) is charged by HDFC Bank.
• InterMiles once credited to the customer’s InterMiles Account cannot be converted to Reward Points.

Card Eligibility Criteria

For Salaried Indian Nationals

• Age: Minimum 21 years and maximum 60 years.
• Income: Net Monthly Income > Rs. 1,75,000 per month.

For Self-Employed Indian Nationals

• Age: Minimum 21 years and maximum 65 years.
• Income: Annual Income Tax Return (ITR) > Rs. 21 Lakh per annum.

Documents Required

• 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.

Card Review

The InterMiles HDFC Bank Diners Club Credit Card is a premium offering tailored for individuals with high spending power, particularly those who frequently travel and enjoy lifestyle privileges. With a joining and renewal fee of Rs. 5,000 (plus GST), the card justifies its cost through extensive benefits such as InterMiles Gold Membership, significant bonus InterMiles, unlimited global lounge access, and complimentary golf games. Its low finance charges (1.99% per month) and competitive foreign currency markup (2%) are notable advantages. The card excels in earning InterMiles, especially on travel bookings, which can be easily redeemed on intermiles.com. While the card offers a comprehensive suite of benefits across travel, dining, and golf, potential applicants should be aware that the InterMiles card program has been phased out, and existing customers have been migrated to other cards. Additionally, reward offerings for InterMiles Credit Cards have been capped for certain transactions since January 1, 2023, including a 1% fee on rental transactions (from the second transaction in a month), a 1% markup on DCC transactions, and a grocery capping of 1,000 reward points per month.

Important Product Details

• The InterMiles HDFC Bank Diners Club Credit Card program has been phased out. Existing customers were notified and migrated to other cards between January-February 2023.
• Effective January 1, 2023, reward offerings for InterMiles Credit Cards have been capped:
  • 1% fee applicable on Rental transactions from the second rental transaction of the calendar month.
  • 1% mark-up applicable on DCC (Dynamic Currency Conversion) transactions.
  • Grocery capping to 1,000 Reward points in a month.
• Unlimited airport lounge access to 1,000+ lounges in India and worldwide.
• Unlimited complimentary golf games and coaching.
• Low revolving credit interest rate of 1.99% per month.
• 2% foreign currency markup.
• Comprehensive insurance coverage including air accident, overseas hospitalization, travel, and credit liability.
• Up to 50 days of interest-free credit period.
• Contactless payment enabled for transactions up to Rs. 5,000 without PIN.
• Zero liability on lost cards if reported immediately.
• Add-on cards available for up to 3 immediate family members (over 18 years), though card features are applicable for the Primary Card Holder only.
• The bank holds the authority to cancel a card if it remains inactive (no transactions) for 6 consecutive months after prior written notice.

Other Details

• The card offers comprehensive card management and controls through Netbanking, Mobile Banking App, MyCards portal, PayZapp, WhatsApp Banking, and IVR, allowing users to enable/disable online, contactless, and international usage, and set transaction limits.
• The GST imposed on fees and charges will not be refunded in the event of any dispute.
• The credit limit depends on factors such as income, repayment history, and creditworthiness, determined by the bank.
• If the card is lost or stolen, it should be reported to HDFC Bank's customer helpline within 24 hours to avoid responsibility for fraudulent purchases.
• The Most Important Terms and Conditions for the card are available and should be reviewed thoroughly by the cardholder.