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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
4 Reward Points per ₹150 spent
Earn 4 Reward Points per ₹150 on all eligible retail spends including travel and dining. Earn up to 5X bonus Reward Points via the HDFC SmartBuy portal. Spends on fuel, rent, wallet loading, EMI, and government transactions do not earn reward points.
Redeem for
The privileges that come bundled in, beyond the reward points.
Global Lounge Access: 6 complimentary airport lounge visits per year across both domestic and international airports, accessed directly by swiping the Diners Club card
Air Miles Transfer: Unbeatable 1:1 conversion ratio to prominent airline frequent flyer programs, doubling the effective reward rate to ~2.6% for frequent travelers
Dining Benefits: Up to 15% discount at premium partner restaurants across India via the Good Food Trail / Swiggy Dineout program
Annual Fee Waiver: The ₹1,000 + 18% GST renewal fee is waived upon achieving ₹1,00,000 in eligible annual spends in the preceding card anniversary year
Premium Insurance: Includes ₹1 Crore air accident insurance, up to ₹25 Lakhs emergency medical coverage, and ₹9 Lakhs credit liability cover
An honest read on where this card earns its keep — and where it doesn't.
Excellent 1:1 Air Mile transfer ratio provides massive value for an entry-level fee of just ₹1,000
Lounge access includes international airports without needing a separate Priority Pass
Easily achievable annual fee waiver target of just ₹1,00,000
Strong up to 5X accelerated rewards via the HDFC SmartBuy portal
Diners Club network acceptance can still be inconsistent at smaller offline merchants compared to Visa/Mastercard
Cashback redemption value is extremely poor (just ₹0.20 per point)
Incurs a ₹99 + GST reward redemption fee every time you redeem points
Major categories like rent, utilities, fuel, and wallet loads do not earn any reward points
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Diners ClubMiles Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Diners ClubMiles Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC Diners ClubMiles Credit Card has an annual fee of ₹1,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit of 1,000 Reward Points upon realization of the joining fee. Earn a renewal bonus of 1,000 Reward Points upon payment of the annual fee.".
HDFC Diners ClubMiles Credit Card earns Reward Points / Air Miles at a primary rate of 4 Reward Points per ₹150 spent. Specifically, Earn 4 Reward Points per ₹150 on all eligible retail spends including travel and dining. Earn up to 5X bonus Reward Points via the HDFC SmartBuy portal. Spends on fuel, rent, wallet loading, EMI, and government transactions do not earn reward points.. Spends in Travel, Dining, Shopping, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Diners ClubMiles Credit Card can be redeemed for Partner Airlines & Hotels (1 Reward Point = 1 Air Mile) - e.g., Club Vistara, KrisFlyer, British Airways, SmartBuy Flights & Hotels (1 Reward Point = ₹0.50), Exclusive Rewards Catalogue (1 Reward Point = ₹0.20 to ₹0.35), Statement Cashback (1 Reward Point = ₹0.20) via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, HDFC Diners ClubMiles Credit Card features complimentary airport lounge privileges. Privileges include: "Global Lounge Access: 6 complimentary airport lounge visits per year across both domestic and international airports". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of HDFC Diners ClubMiles Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Diners ClubMiles Credit Card is issued on the Diners Club network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Diners ClubMiles Credit Card levies a forex markup fee of 2.0% of the transaction amount + 18% GST (Effective 2.36%) on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Diners ClubMiles Credit Card currently features a welcome offer: "Welcome benefit of 1,000 Reward Points upon realization of the joining fee. Earn a renewal bonus of 1,000 Reward Points upon payment of the annual fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent 1:1 Air Mile transfer ratio provides massive value for an entry-level fee of just ₹1 and 000. However, keep in mind that Diners Club network acceptance can still be inconsistent at smaller offline merchants compared to Visa/Mastercard and Cashback redemption value is extremely poor (just ₹0.20 per point). Overall, HDFC Diners ClubMiles Credit Card delivers strong value if your regular spending aligns with Travel, Dining, Shopping, Lifestyle.
You can apply for HDFC Diners ClubMiles Credit Card directly through HDFC Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
