HDFC Bank Diners Club Miles Card: Would This Card Fit Your Spending Habits?

HDFC Bank Diners Club Miles Card: Would This Card Fit Your Spending Habits?

HDFC Bank's Best Low-Fee Travel Card

Good for

  • HDFC Bank loyalists
  • International Travellers
  • Consumers looking for a low fee card with solid overall rates

Bad for

  • High spenders
  • Consumers looking for the best low-fee travel credit card

Editor's Rating

3.5/5.0

The HDFC Bank Diners Club Miles Card is the best low-fee travel credit card offered by HDFC Bank, but not the best for its category compared to other competitor cards. The card earns a solid rewards rate of 1.33% (4 points per Rs. 150 spent, 1 point = 1 Air Mile = Rs. 0.5) on all spending categories; however, it is not as competitive as other cards on the market within the low-fee travel category. Additionally, the HDFC Bank Diners Club Miles Card provides up to 6 international lounge visits per year, which is better than the average lounge perks offered by cards within the low-fee credit cards category. Although there are better alternatives to this card, it is a decent choice for individuals looking to acquire a low-fee travel card from HDFC Bank, exclusively.

ProsCons
  • 1.33% rewards rate on general spending
  • 6 international airport lounge visits per year
  • Rs. 1,000 annual fee (waived after prior year spends of Rs. 100,000)
  • Not as competitive in terms of perks
Promotions:
  • Signing Bonus: 1,000 points (₹ 500)
  • Renewal Benefit: 1,000 points (₹ 500)—if the fee is not waived
Card Overview
Pros:
  • 1.33% rewards rate on general spending
  • 6 international airport lounge visits per year
  • Rs. 1,000 annual fee (waived after prior year spends of Rs. 100,000)
Cons:
  • Not as competitive in terms of perks
Promotions:
  • Signing Bonus: 1,000 points (₹ 500)
  • Renewal Benefit: 1,000 points (₹ 500)—if the fee is not waived

What Makes HDFC Bank Diners Club Miles Card Stand Out?

The HDFC Bank Diners Club Miles Card is a decent low-fee travel card, but the best offered by HDFC Bank in its category. The card is considered a low-fee card because it charges a below average Rs. 1,000, which can be waived with prior year annual spends of Rs. 100,000. Further, the card earns a solid 1.33% rewards rate on all spending categories, making it valuable for consumers interested in a card to spend on multiple categories, but still lower than rewards rates offered by competitors. Additionally, the card offers 6 international airport lounge visits per year, higher than the average low-fee travel card but lower than many premium travel options. In terms of promotions, the card offers a solid sign-up bonus in points and a similar renewal benefit that is offered only if the fee is not waived. In terms of dining perks, the card offers discounts at over 1,400 locations across 70 different countries. In sum, this is a card that is best suited for consumers that are interested in a low-fee travel option specifically from HDFC.

How Does the HDFC Bank Diners Club Miles Rewards Programme Work?

The HDFC Bank Diners Club Miles rewards programme is points-based, and the credit card earns a stable rewards rate across all spending categories, except fuel. The card earns 4 points per Rs. 150 on all spending categories. The redemption rate for these points is 1 point = 1 AirMile = Rs. 0.50. Points expire 2 years from the date of accumulation.

  • 4 points per Rs. 150 on all spending categories
  • 1 point = 1 AirMile = Rs. 0.50
  • Points expire 2 years from the date of accumulation.

HDFC Bank Diners Club Miles Credit Card's Features and Benefits:

Card Overview
  • Joining Fee: Rs. 1,000
  • Annual Fee: Rs. 1,000 (waived after prior year spends surpass Rs. 100,000)
  • Income Requirement: Rs. 360,000
  • Age Requirement: 21-60 (65 if self-employed)
Rewards Rate Details
  • 1.33% on all spending categories
Benefits & Perks
  • 6 international airport visits per year
  • Dining perks at over 1,400 locations across 70 different countries
Promotions:
  • Signing Bonus: 1,000 points (₹ 500)
  • Renewal Benefit: 1,000 points (₹ 500)—if the fee is not waived

How Does the HDFC Bank Diners Club Miles Credit Card Compare Against Other Cards?

The HDFC Bank Diners Club Miles Card is not the most competitive low-fee travel card, but it is the best one offered by HDFC Bank. Read our comparisons of the HDFC Bank Diners Club Miles Credit Card:

Graph showing India’s Best HDFC Cards for Consumers Spending approximately Rs. 47,000 per month

HDFC Bank Diners Club Miles Card vs. Axis Bank Pride Signature Card

Consider this if you are interested in a credit card that has good domestic travel benefits

Age Requirement 18-70
Annual Income Requirement None listed by issuer

The Axis Bank Pride Signature Card is a great low-fee travel card, making it similar to the HDFC Bank Diners Club Miles Card. The Pride Card has no joining fee, but it has a low Rs. 500 annual fee that can be waived after prior year annual spends of Rs. 40,000. Additionally, the card earns a solid 1.6% rewards rate (8 point per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers) on all spending categories, which is higher than the Club Miles Card (1.33%). Additionally, the Pride Card offers 2 domestic airport lounge visits across 5 major cities per quarter, whereas the Club Miles Card offers 6 international lounge visits per year. As a result, the Pride Card is a solid option for domestic travellers looking for a low-fee travel card with good general spending rewards. Still, the Club Miles Card is a better fit for international travellers looking for a low-fee travel card and are loyal to HDFC Bank.

HDFC Bank Diners Club Miles Card vs. BOB Financial Prime Card Card

Consider this if you are interested in a secured credit card with the lowest minimum fixed deposit

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The BOB Financial Prime Card is the best card against fixed deposit, also known as a secured credit card. These are useful for consumers that do not have a good credit history or fail to qualify for other credit cards. The Prime Card requires the lowest fixed deposit among all secured cards at only Rs. 15,000. The Prime Card earns a decent 1% rewards rate (4 points per Rs. 100 spent, 4 points = Rs. 1) on general spending, though it is lower than the 1.33% earned by the Club Miles Card. The Prime Card does not offer any promotions, while the Club Miles offers a decent sign-up and renewal bonus. The Club Miles Card also offers 6 international lounge visits per year. As a result, we would recommend the Prime Card to any consumer that would not qualify for the Club Miles Card; however, we recommend the Club Miles Card to HDFC Bank loyalists that are international travellers looking for a low-fee card.

HDFC Bank Diners Club Miles Card vs. Axis Bank Insta Easy Card

Consider this if you are interested in a fixed deposit credit card to use on international spending

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Axis Bank Insta Easy Credit Card is the best card against fixed deposit for travel and international spending. The card has a decent minimum deposit of Rs. 20,000. In terms of rewards, the Insta Easy Card earns a rewards rate of 1.2% (6 points per Rs. 200 spent; 1 point = Rs. 0.40) on domestic spending and 2.4% (12 points per Rs. 200) on international spending, where the domestic rate is slightly lower than the Club Miles Card's 1.33% general rewards rate, while the international spending is well over the rate. Similar to the Club Miles Card, the card offers a decent sign-up bonus offered in points. The Club Miles Card also offers 6 international lounge visits per year. Therefore, we would recommend the Insta Easy Card if you are a frequent international spender and do not qualify for other credit cards; however, we recommend the Club Miles Card for international travellers looking for a low-fee card and are loyal to HDFC.

Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.