Intermiles HDFC Bank Diners Club Credit Card Review

The Intermiles hdfc diners club credit card is a premium quality co-branded travel credit card, designed to cater benefits on travel and lifestyle-related categories. HDFC bank has launched this card in alliance with the Intermiles. 

Just like other premium credit cards, it has all the premium credit card benefits and privileges including lounge access, golf benefits, hdfc credit card insurance coverage , lost card liability coverage, and lots more. You can also earn a good amount of Intermiles points from this hdfc diners club card . Now let’s dig deeper and see if the benefits offered by this intermiles credit card can justify the Rs. 500 annual fee or not.

Hdfc bank credit card eligibility criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The required minimum salary for hdfc credit card application is Rs. 175000.
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The annual Income Tax Return should be greater than Rs. 21 lakh.
  • A long relationship with the bank. 
  • A good Credit score (Above 780) is needed to apply for this hdfc bank premium credit card

If you are having trouble with the hdfc credit card application process, then you can visit our hdfc credit card faq page to know how to apply credit card in hdfc bank ?

Hdfc credit card documents required for application:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your hdfc credit card application is submitted you can track the status of hdfc bank credit card application from the hdfc credit card status tracking page.

Details of hdfc credit card annual charges:

  • Joining Fee: Rs.5000 + GST
  • Hdfc credit card annual fee : Rs.5000 + GST

Hdfc credit card benefits:

  • A wholehearted welcome offer:

HDFC loves to welcome its customers in style. With the activation of this hdfc bank diners club card and the payment of the joining fee, you will get up to 2500 Intermiles points and a complimentary gold tier membership as a welcome gift. You will also get an Rs. 2000 discount voucher for flight bookings and an Rs. 3000 discount voucher for hotel booking. 

Depending on your spending you can earn some extra benefits too. The bonus hdfc diners rewards scheme is discussed in the table below.

 

Total Spend  Time  Total Benefit
Rs. 20000 Within the first 30 days of card activation. 10000 Intermiles.
Total 150000 Within the first 30 days of card activation. 15000 Intermiles.
  • Exclusive hdfc credit card reward program :

The hdfc diners card reward scheme is discussed below. 

Spend category Total benefit
For each Rs. 150 retail spends. 8 hdfc intermiles .
For each Rs. 150 spent on flight booking from the Intermiles website. 16 8 hdfc intermiles .
For each Rs. 150 spent on hotel booking from Intermiles website 16 8 hdfc intermiles .

You will not get any hdfc bank rewards for fuel purchases, fees payment, cash withdrawals, EMI conversion, wallet top-up, etc. You can earn a maximum of 2000 hdfc intermiles points per day for insurance premium payments. 

You can check your total earned hdfc diners club credit card reward points from the monthly hdfc diners club credit card statement or from your hdfc bank credit card online banking account.

  • Complimentary hdfc diners club credit card lounge access benefit:

With this hdfc diners card, you will get unlimited free hdfc credit card airport lounge access to more than 1000 airport lounges worldwide. There will also be some additional privileges like conference rooms, refreshments, fax, free internet, etc. That means your journey will be more comfortable than before.

  • Exclusive hdfc bank credit card offers on flight booking:

This hdfc diners club premium credit card offers some big discounts on Etihad flight tickets.

Category Discount
Etihad business class tickets. 10% discount.
Etihad economy class tickets. 5% discount.
Other Etihad flight tickets. 2.5X hdfc intermiles points

 To avail of the benefits, the tickets should be booked through the Intermiles website. Click here for the complete hdfc bank credit card terms and conditions

You can know your total earned benefit from your hdfc bank credit card statement . If you don’t know how to check hdfc credit card statement online, then feel free to visit our FAQ page

  • Superior dining experience:

Now you can dine at some of the most premium restaurants with big discounts on your dining bills. This hdfc diners premium credit card offers a flat 25% discount on your dining bill along with another 15% additional discount. That means you will get a total of 40% discount on your hdfc bank credit card bill You will also get priority access to some special events like Gourmet Licious. 

  • Free golf rounds:

If you are a golf lover then this hdfc credit card offer is just for you. You will get unlimited free access to all of the leading golf courses in India and at some selected golf courses across the world. Call the hdfc credit card customer support (1800 118 887 or 022 42320226) to book your free golf round. 

International transactions on the new hdfc credit card are turned off due to security reasons. Visit our FAQ page to know how to activate hdfc diners international credit card transactions?

  • Hdfc credit card fuel surcharge waiver:

Now get freedom from fuel surcharges. If you purchase fuel using this card, you will get up to a 2.5% waiver on fuel surcharges. The fuel offers on hdfc bank credit card are applicable at any fuel station in India. 

  • Milestone and renewal benefit:

You can also earn some extra benefits from your card. The milestone benefit scheme is discussed in the table below.

Total spend  Total benefit
Rs. 800000 in a year The annual fee for the next year will be waived off.
Rs. 20000 within the first 30 days of an anniversary year. 10000 Intermiles.

Also with the payment of the hdfc credit card renewal fee, you will get an Rs. 1000 discount voucher for flight booking and an Rs. 2000 discount voucher for hotel booking. But if the annual fee is waived off, you will not get those vouchers. You can check your hdfc bank credit card balance from your hdfc credit card mobile banking or credit card hdfc net banking account

  • Comprehensive hdfc credit card insurance coverage:

Accidents can happen anytime, that’s why HDFC Bank offers comprehensive accidental and baggage protection coverage on this hdfc diners premium credit card . The details are given below.

Particulars Total coverage
Air accidental coverage. Rs. 2 Crore.
Emergency hospitalization coverage. (overseas) Rs. 50 lakh. 
Baggage delay. (Max 10$ per hour for a maximum of 8 hours) Rs. 55000
Credit Shield. Rs. 9 Lakh.

Click here for the detailed hdfc credit card terms and conditions of the insurance coverage.

  • Add on card facility:

You can add up to 3 of your family members (above 18 years) with your card as add-on members, and they can also have the joy of having a credit card. But they can’t enjoy the above-stated hdfc diners club credit card features as only the primary cardholder can enjoy the benefits of this card. 

You can also set a hdfc credit card usage limit for your add-on members using the mobile app for hdfc credit card . Also if you want to apply for an add-on card then click here to download the hdfc bank add on credit card form .

  • Lost card liability coverage:

This card offers zero lost card liability. That means if your hdfc bank diners club card is lost or stolen, you just have to report the loss by calling the hdfc credit card customer support and after that, you will not be liable for anything that happens to your card. 

You can also block hdfc credit card very easily from your hdfc bank credit card internet banking account, if you don’t know the process then visit our page to know; how to block hdfc credit card online.

Hdfc bank credit card charges:

Particulars  Payable amount
charges for hdfc credit card cash withdrawal . 2.5% against the withdrawn amount, min Rs. 500. Check your hdfc diners club credit card limit before making a withdrawal.
Finance Charges. The hdfc diners club credit card interest rate is 1.99% monthly or 23.88% annually.
hdfc credit card international transaction charges . 2% against the transacted amount.
The hdfc credit card add-on card fee. Free, for up to 3 cards.

Hdfc card customer care contact details:

  • Call the hdfc bank credit card call center number : 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card customer care email id: [email protected] 

100xGain Ratings:

8/10

Final Opinion:

If you want a premium travel credit card then this Intermiles hdfc bank diners credit card can be a very good option for you. It offers all the benefits that are needed to give you a premium travel experience. With unlimited free lounge access, good discounts on flight tickets, unlimited golf access, and insurance coverage, this hdfc premium credit card proved to be one of the best travel credit cards available in India. But the Diners Club network has some acceptance issues, and you should keep this in mind before applying for this card.  

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