HDFC Bank Diners ClubMiles Credit Card
HDFC Bank · Closed to new applicants
HDFC's Diners Club travel-points card, closed to new applicants. It earns 4 reward points per ₹200, points convert to airmiles, six lounge visits a year and travel insurance come with it, for ₹1,000 a year waived at ₹1 lakh.
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,000 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- Retail spends: 4 Reward Points per ₹200 (about 0.4% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 23 Oct 2026
Main earn rates
- SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
- SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy ConfirmTkt train tickets, 1% CashBack: 1% in SmartBuy CashBack on top of the base rate (about 1% at cash value)
Earns nothing on
- No points on rent and property management, or on government payments (from 1 January 2023)
- No points on wallet loads
- No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
- No points on online skill-based gaming (from 1 July 2025)
- No points on education fees paid through third-party apps (from 1 September 2024)
Where the sources disagree
- interest rate: The fees page says 3.6% a month. MITC v4.15 gives 3.75% for all variants other than the 1.99% cards. The MITC is used.
Terms the calculator does not value
- Airmile conversion is 1 airmile per point on the product page, but the partner programmes are not named, so no transfer option is entered.
- The six lounge visits a year are not entered as a lounge benefit because HDFC does not say whether they are domestic or international.
- SmartBuy cashback applies only to purchases made through the SmartBuy portal. This card is not named in the SmartBuy table, so it is placed in the "Other credit card (CashBack)" column (5% or 10% on listed categories and merchants, ₹1,000 a month), as for HDFC's other unnamed cards. The table is valid till 31 March 2027.
Sources
- Diners Club Miles credit card product page (Product page, the bank's own, read 20 Oct 2026)
- Diners Club Miles credit card fees and charges page (FAQ, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (generic mailer linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- SmartBuy accelerated earn rules (valid till 31 March 2027) (Reward terms, the bank's own, read 20 Oct 2026)
- Insurance benefits for Diners Premium / ClubMiles / Privilege / Black / Black Metal cardholders, policy period 23 July 2026 to 22 July 2027 (Bank notice, the bank's own, read 20 Oct 2026)