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HDFC Bank Diners ClubMiles Credit Card – Review, Details, Offers, Benefits

HDFC Diners ClubMiles Credit Card is  a premium credit card by HDFC Bank that provides many benefits around travel and dining. 

HDFC Diners Club Miles Credit card Benefits

Complimentary International & Domestic Airport Lounge Access:     6 complementary Airport lounge access to 700+ Lounges in India and worldwide. Check the eligible lounges.  Lounge access is Complimentary for the primary cardholder only.

15% off at restaurants:  As an HDFC Bank Diners Club Miles Credit Card holder, you can get 15%  discount and other benefits at some of the finest restaurants. Choose from over 1400 offers with partners across the world. See Full details of HDFC Good Food Trail program

Rewards Collection

Earn 4 Reward Points* for every Rs. 150

Get 5% cashback on all purchases through HDFC Smartbuy portal . At this portal,you can book flights, hotels, shop on Amazon, Flipkart, buy other shopping vouchers.  Under this offer, the max reward points you can earn on Diner Cubmiles card is Rs 1000 per calendar month (approx on Rs 20000 spending) that limits the extra benefits on this card.

Rewards Redemption

You can redeem reward points at 

  • Travel bookings (Flights & Hotels) on Smartbuy Diners Portal  ( 1 reward point = Rs 0.50) 
  • Redeem Reward Points on exclusive reward redemption catalogue for HDFC Bank Diners Club Black Credit Cards.  ( Electronics,  evouchers for shopping, restaurants etc)  ( 1 reward point = approx Rs 0.35) 
  • Redeem Reward Points for Miles with leading International and Domestic airlines and hotels (1 Reward Point = 1 AirMile) – Partners – BA Executive Club, Jet Airways, Club Vistara, Singapore Airlines (Kris Flyer), Trident Hotels
  • Cashback – Rs 0.20

HDFC Diners ClubMiles points value –  Based on the reward points and redemption value (HDFCBank Diners site) – you will get a cashback of 1.33% on normal spending and 6.33% on SmartBuy spending and selected partners.

Insurance included in the credit card

  • Air AccidentCover of INR 1 Crore.
  • Emergency Medical Expenses Cover of up to INR 25 Lakh
  • Credit Liability Coverof up toINR 9 Lakh
  • Travel Insurance Cover of up to INR 50,000 on baggage delay (Capped to 10$ per hour restricted to 8 hours)

HDFC Diners Club Miles Credit Card  Eligibility :  The HDFC Diners Club Miles Card is available for following: 

  • Salaried:  Net Monthly Income > Rs 30000 per month
  • Self Employed:  ITR  > Rs 3.60 Lakhs per annum

The Bank is currently are not accepting new applications for Diners ClubMiles Credit Card. However existing Diners ClubMiles  Credit Card holders will continue to enjoy the privileges on the card. 

Fees

First year fee is Rs 1000  and   Annual renewal membership fee is Rs 1000 

Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points (so effectively the card is  costing Rs 500 to you)

Spend Rs. 1L in 12 Months and get Renewal Fee waived for next renewal year.

Summary

This card will be useful for the people are travelling frequently (or book flights / hotels for family) as the best value on reward points redemption is on flight and hotel booking. 

For some spending, you get 5% cashback. Redemption value is equivalent to a cashback of 1.33% on normal spending and 6.33% on SmartBuy spending and selected partners.

I will write another post to compare the benefits of HDFC Diners Club Miles Credit card against  HDFC Diners Club Black Credit card, HDFC Regalia  First credit card, HDFC Regalia Card,  HDFC Infinia Card, and Amex Platinum card.

There are many credit cards offered by HDFC bank with different features including discount on movies, groceries, dining as well as air travel and hotels, free international and domestic lounge access. Some of the cards offers redemption rewards equivalent to 13%-33% cashback, that’s pretty amazing. See list of all credit cards offered by HDFC Bank and check which one you should go for.

Also Read:   HDFC Bank Diners Club Privilege Credit Card - Review, Details, Offers, Benefits
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