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HDFC Diners ClubMiles Credit Card

TravelDiningShoppingLifestyle
Welcome offerNot verified from configured sources
Annual fee
₹ 1,000
Reward rate
4 points per ₹150 spent
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

HDFC Diners ClubMiles Credit Card
Diners Club
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

4 points per ₹150 spent

Earn 4 reward points for every ₹150 spent. 1 point = 1 air mile or ₹0.50 redemption value. Points can be redeemed for air miles, gifts, vouchers, or bookings.

Reward currency
Points
Card network
Diners Club
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 6 complimentary domestic lounge visits per year and access to 700+ worldwide lounges

  • 15% discount at partner restaurants

  • Annual fee waiver on spend of ₹1,00,000 per year

  • Travel insurance coverage (air accident ₹1 crore, medical ₹25 lakh, credit liability ₹9 lakh, baggage ₹55,000)

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹1,000Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
3.5% of transaction value
Late payment
Varies by overdue amount
Returned payment
Not verified from configured sources

Interest rates

Charged on any balance you carry forward

Purchases
3.49% per month
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

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.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of HDFC Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about HDFC Diners ClubMiles Credit Card

Everything you need to know about HDFC Diners ClubMiles Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for HDFC Diners ClubMiles Credit Card is nominal, and the annual renewal fee is ₹1000 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for HDFC Diners ClubMiles Credit Card from HDFC Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

HDFC Diners ClubMiles Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via HDFC Bank's rewards portal.

Yes, HDFC Diners ClubMiles Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for HDFC Diners ClubMiles Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.