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InterMiles HDFC Bank Diners Club Credit Card

by Kshitiz V Sharma on

The Bottom Line

InterMiles HDFC Bank Diners Club Credit Card
High Fee, Average Rewards

16 InterMiles / ₹150 on Flight ticket and Hotels bookings via InterMiles Website and 8 InterMiles on all other spending. ₹5,000 Annual Fee.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-7.0%)^ (-2.6%)^ (-0.4%)^ 0.9% 1.8%
Est. Monthly Reward (₹) (350) (260) (80) 450 1,770
All-India Rewards Rank* 341 339 329 145 36
Within Bank Rank* 49 49 48 26 8
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The InterMiles HDFC Bank Diners Club Credit Card offers effective rewards of 3.2% on travel and 1.6% on all other retail spends.

Overall, we estimate you can earn a net reward yield of 0.9-1.8% with this card if you spend more than ₹50,000 a month with this card.

The HDFC Bank Millennia Credit Card is the best choice for HDFC Bank customers who charge between ₹10,000 – 50,000 a month on their card. The Millennia has a net reward yield of 2.3-2.7% in that range.

The Millennia is only available for customers under 40 years of age. If you’re not eligible for the Millennia, consider the Paytm HDFC Bank SELECT Credit Card, which has net reward yield of 1.5-1.8%.

High spenders looking for an HDFC Bank credit card should choose the 6E Rewards XL – Indigo HDFC Bank Credit Card instead, which has a yield of 2.2% for monthly spending >₹50,000 a month.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card InterMiles HDFC Bank Diners Club Credit Card
Card Type Reward
Reward Features 16 InterMiles / ₹150 on Flight ticket and Hotels bookings on InterMiles Website

8 InterMiles / ₹150 on retail spends

Milestone Rewards 25,000 InterMiles on spending ₹20,000 – 1.5 lacs in first 90 days
Other Rewards – 10% discount* on Etihad Airways Business Class tickets booked via InterMiles website

– 5% discount* on Etihad Airways Economy Class tickets booked via InterMiles website

– Unlimited Golf games in India and Abroad

– Unlimited Domestic and International Airport Lounges

– 25% discount on dining bills through Dineout (Max discount ₹1,000)

Rewards Redemption Fee ₹99
Reward Caps 1000 Reward Points on Grocery transactions
Preferred Redemption Method Redeem InterMiles against travel bookings on InterMiles Website


Fees & Charges

Card InterMiles HDFC Bank Diners Club Credit Card
Joining Fee ₹5,000 + Taxes
Annual Fee ₹5,000 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹8 Lacs
Income Criteria Salaried ₹1.75 Lacs p.m.
Self-employed ITR>₹21 Lacs
Supplementary Card Fee Free
Interest Rate 23.90%
Foreign Currency Markup 1.99%
Cash Advance Charge 2.50% with a minimum of ₹500

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