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

InterMiles HDFC Bank Diners Club Credit Card

Introduction

The InterMiles HDFC Bank Diners Club Credit Card is a premium travel and lifestyle credit card, launched in partnership with intermiles.com. Designed for avid travelers and those who appreciate exclusive perks, it comes with a joining and renewal fee of Rs. 5,000 + GST. Cardholders can enjoy exciting welcome benefits such as InterMiles Gold Membership for the first year, substantial bonus InterMiles, and discount vouchers for flight and hotel bookings. It rewards users with 8 InterMiles on every Rs. 150 spent on retail and double that on flight and hotel bookings made through intermiles.com. Beyond rewards, the card provides unlimited domestic and international lounge access, attractive dining privileges through Dineout Passport Membership offering up to 40% discount, and complimentary golf games and coaching. The card also features a low monthly interest rate of 1.99% and a 2% foreign currency markup, making it a comprehensive choice for a global lifestyle. The annual renewal fee can be waived by meeting a specified spending threshold in the previous year.

Welcome Benefits

• Receive InterMiles Gold Membership by default for the first year. (For details, visit www.intermiles.com/rewards-program/tiers-recognition/gold)
• Embark on your journey of privileges by availing up to 25,000 Bonus InterMiles:
  • 10,000 InterMiles upon spending Rs. 20,000 within the first 30 days of card setup.
  • 15,000 InterMiles on total retail spends of Rs. 1,50,000 and above, within the first 90 days.
• Experience savings on your flight bookings for the first year:
  • Rs. 2,000 Flight Discount vouchers.
• Experience savings on your hotel bookings for the first year:
  • Rs. 3,000 Hotel Discount vouchers.
• These discount vouchers are only applicable on realization of the membership fee.
• InterMiles once credited to the customer’s InterMiles account cannot be converted to Reward Points.

Fees

• Joining Fee: Rs. 5,000 + GST
• Renewal Fee: Rs. 5,000 + GST
• Spend-Based Waiver:
  • Spend Rs. 8,00,000 in a year and get a waiver of the next year’s annual membership fee. (Retail spend for SBR to be considered from 15-02-2019).
  • In case of fee waiver, the member will not receive Flight/Hotel discount vouchers.
• Rewards Redemption Fee: Rs. 99 + applicable taxes.
• Foreign Currency Markup:
  • 2% on all international spends.
  • 1% mark-up applicable on DCC (Dynamic Currency Conversion) transactions.
• Interest Rates (Revolving Credit):
  • 1.99% per month.
• Fuel Surcharge Waiver:
  • 1% fuel surcharge waiver at all fuel stations across India.
  • Waiver capped at Rs. 1,000 every billing cycle.
  • Applicable on a minimum transaction of Rs. 400.
  • GST charges on fuel surcharge are non-refundable.
• 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.
• Grocery Capping: Grocery transactions are capped at 1,000 InterMiles in a month.

Rewards

• InterMiles Accrual Program:
  • Earn 8 InterMiles on every Rs. 150 spent on retail spends.
  • Earn 16 InterMiles on every Rs. 150 spent on every flight ticket booked on flights.intermiles.com.
  • Earn 16 InterMiles on every Rs. 150 spent on every hotel booked on Interbook.intermiles.com.
  • This implies earning 2x InterMiles on every Rs. 150 spent on flight bookings through www.intermiles.com/flights, and on hotel bookings through www.intermiles.com/hotels.
• Notes on InterMiles Accrual:
  • Only retail purchases above Rs. 150 qualify for InterMiles.
  • Cash advance, fuel transactions, fees, and other charges do not accrue any InterMiles.
  • EasyEMI and e-wallet loading transactions will not accrue InterMiles.
  • InterMiles accrued will be reversed if a retail transaction is converted into SmartEMI.
  • InterMiles accrued for Insurance transactions will have a maximum cap of 2,000 per Day.
  • InterMiles will not be accrued on fuel transactions (effective 15th April 2016).
• Privileges on Etihad Airways (Applicable for all customers):
  • Avail 10% discount on Etihad Airways Business Class tickets booked on flights.intermiles.com.
  • Avail 5% discount on Etihad Airways Economy Class tickets booked on flights.intermiles.com.
  • Earn 2.5X bonus InterMiles for Etihad Airways tickets booked on flights.intermiles.com.
• Dining Benefits:
  • Complimentary Dineout Passport Membership.
  • Save up to 25% on dining bills paid through Dineout Pay via your InterMiles HDFC Bank Diners Club Credit Card (15% Dineout Discount + Additional 10% HDFC Bank Discount).
  • Maximum discount per transaction capped at Rs. 1,000.
  • Maximum discount per customer per month capped at Rs. 1,000.
  • Dineout Passport Membership provides additional dining benefits:
    • An assured discount of 25% at over 2,000 premium restaurants.
    • An additional discount of 15% for InterMiles HDFC Bank Diners Club credit cardholders (totaling up to 40% discount).
    • 1+1 on the buffet at more than 200 restaurants.
    • Early access to various events and festivals.
• Travel Benefits:
  • Domestic Lounge Program:
    • Unlimited Airport lounge access to 1000+ Lounges in India.
    • Enjoy refreshments and use facilities including phones, faxes, Internet, and conference rooms.
    • Airport lounge access is applicable for the primary Card holder.
  • International Lounge Access:
    • Access to leading airport lounges all over the world through the Exclusive Lounge Program.
• Golf Privileges:
  • Unlimited Complimentary golf games at leading courses across India and select courses across the world.
  • Unlimited complimentary Golf coaching at select golf courses across India. (Handicap certificate mandatory for international golf courses).
• Insurance/Comprehensive Protection:
  • Air accident insurance cover worth Rs. 2 crore.
  • Emergency overseas hospitalization: Rs. 50 Lacs.
  • Travel Insurance Cover of up to INR 55,000 on baggage delay (Capped to $10 per hour, restricted to 8 hours).
  • Credit Liability Cover of up to Rs. 9 Lakh.
• Renewal Benefits:
  • Continue the exciting journey with 10,000 InterMiles upon spending Rs. 20,000 within the first 30 days of the Anniversary date.
  • Experience savings on your Flight bookings: Rs. 1,000 Flight Discount vouchers.
  • Experience savings on your Hotel bookings: Rs. 2,000 Hotel Discount vouchers.
  • These Renewal benefits are only applicable on realization of the membership fee.

Rewards Redemption Guide

• The InterMiles you earn through your InterMiles HDFC Bank Diners Club Credit Card can be redeemed easily on intermiles.com against travel-related bookings.
• InterMiles once credited to the customer’s InterMiles account cannot be converted to Reward Points.
• A nominal reward redemption fee of Rs. 99 + applicable taxes is charged by HDFC Bank.

Card Eligibility Criteria

• For Salaried Indian National:
  • Age: Minimum 21 years & Maximum 60 years.
  • Net Monthly Income: Greater than Rs. 1,75,000.
• For Self-Employed Indian National:
  • Age: Minimum 21 years & Maximum 65 years.
  • Income (ITR): Greater than Rs. 21 Lakhs per annum.

Card Review

The InterMiles HDFC Bank Diners Club Credit Card is a robust offering for individuals seeking extensive travel and lifestyle privileges. Its Rs. 5,000 joining and renewal fee is justified by the exclusive benefits, including InterMiles Gold Membership, significant bonus InterMiles, and valuable flight/hotel discount vouchers. The card excels in its reward structure, providing 8 InterMiles on every Rs. 150 spent on retail and double that on flight/hotel bookings via intermiles.com, plus additional bonuses on Etihad Airways. Its low finance charge of 1.99% per month and a competitive 2% foreign currency markup (with a 1% markup on DCC transactions) make it appealing for international usage. Furthermore, unlimited domestic and international lounge access, comprehensive dining benefits with Dineout Passport Membership, and complimentary golf privileges add substantial value. The card's renewal fee waiver on spending Rs. 8 Lakhs annually provides a clear path to cost savings. Overall, it's a strong recommendation for frequent travelers and those looking for a premium card with well-rounded benefits across multiple categories.

Important Product Details

• Card Type: Travel and Lifestyle.
• Complimentary InterMiles Gold membership for the first year.
• Up to 25,000 bonus InterMiles as a welcome benefit.
• Earn 10,000 bonus InterMiles every year on spending an amount exceeding Rs. 20,000 within the first 30 days after card renewal.
• Earn 8 InterMiles on every Rs. 150 spent on retail spends.
• Earn 16 InterMiles (2x) on every Rs. 150 spent on flight and hotel bookings through intermiles.com.
• Exclusive discount offers on Etihad Airways tickets, along with 2.5X bonus InterMiles on Etihad bookings.
• Unlimited airport lounge access through the Domestic Lounge Program and access to leading international lounges.
• Complimentary Dineout Passport Membership offering up to 40% discount on dining.
• Unlimited complimentary golf games and coaching in India and select courses worldwide.
• Spend-based renewal fee waiver (spend Rs. 8,00,000 to waive Rs. 5,000 renewal fee).
• Comprehensive insurance benefits including air accident cover, overseas hospitalization, travel insurance, and credit liability cover.
• Low finance charges of 1.99% per month.
• Foreign currency markup of 2% on international spends, and 1% mark-up on DCC transactions.
• 1% fuel surcharge waiver, capped at Rs. 1,000 per billing cycle, on transactions of minimum Rs. 400.
• A 1% fee is applicable on rental transactions from the second rental transaction of the calendar month.
• Grocery transactions are capped at 1,000 InterMiles in a month.
• InterMiles are not accrued on fuel transactions, cash advances, EasyEMI, or e-wallet loading transactions.
• InterMiles accrued for Insurance transactions are capped at 2,000 per day.
• Rewards redemption fee of Rs. 99 + applicable taxes.

Other Details

• Card Type: Travel and Lifestyle.
• Safe & Secure Transactions:
  • DIP your Chip Card at any Chip enabled POS.
  • Swipe your Card at any non-chip POS (Regular POS).
• Zero Liability on Lost Card:
  • If you lose your Card, report it immediately to the 24-hour call centre.
  • After reporting the loss, you have zero liability on any fraudulent transactions made with your Card.
• Interest-Free Credit:
  • Avail up to 50 days of free credit period from the date of purchase (subject to the submission of the charge by the Merchant).
• Cards for your Entire Family (Add-on Cards):
  • You can avail up to 3 Add-on Cards for your immediate family members (over 18 years).
  • All Card features on InterMiles HDFC Bank Credit Card are applicable for the Primary Card Holder only and are not applicable for Add-On Card Holders.
• New Features Effective Date: All new features (InterMiles HDFC Bank Co-Brand Credit Card program) are applicable from 25th September 2020.
• Rewards Capping Effective Date: Effective 1st January 2023, rewards offering for payments made by customers on specific categories using the InterMiles Credit Cards will be capped.