InterMiles HDFC Bank Diners Club Credit Card Vs InterMiles ICICI Bank Sapphiro Credit CardInterMiles HDFC Bank Diners Club Credit Card Vs InterMiles ICICI Bank Sapphiro Credit Card

InterMiles HDFC Bank Diners Club Vs InterMiles ICICI Bank Sapphiro Credit Card

The InterMiles HDFC Bank Diners Club Credit Card, crafted in partnership between HDFC Bank and InterMiles, stands out as a top-tier travel card, requiring an annual fee of Rs. 5,000. It grants exclusive InterMiles Gold Membership for the initial year along with Intermiles reward points, flight/hotel vouchers, and an enticing reward system. With this card, you can accumulate up to 16 Intermiles for every Rs. 150 spent on flight/hotel bookings and 8 Intermiles for retail purchases. Notably, benefits extend to earning Intermiles on Etihad Airways tickets, heightened reward points for shopping, unlimited lounge access, and a substantial 40% dining discount. Furthermore, meeting the prescribed spending target within 90 days unlocks additional Intermiles, enhancing the card’s allure.

Alternatively, the InterMiles ICICI Bank Sapphiro Credit Card, developed through collaboration between ICICI Bank and InterMiles, emerges as a high-tier travel credit card costing Rs. 5,000 annually. Its perks include a complimentary InterMiles Silver Tier membership, 10,000 bonus InterMiles, flight and hotel discount vouchers for both Amex and Visa versions. Though the reward rates vary slightly between these variants, cardholders accumulate InterMiles on both domestic and international spending, Etihad Airways tickets via the InterMiles website, and other transactions on the InterMiles platform. Moreover, users enjoy extras such as complimentary airport lounge access, as well as Movie and Dining privileges.

Features and Benefits of InterMiles HDFC Bank Diners Club Credit Card and InterMiles ICICI Bank Sapphiro Credit Card

InterMiles HDFC Bank Diners Club Credit Card:

  1. Premium co-branded travel credit card by HDFC Bank in collaboration with InterMiles.
  2. Receive complimentary InterMiles Gold Membership for the inaugural year.
  3. Earn additional Intermiles as a bonus by reaching the spending target within 90 days of activating your card.
  4. Unlimited lounge access to over 1,000 domestic lounges in India and leading Airport lounges worldwide.
  5. Complimentary Dineout Passport membership for up to 40% discount on dining bills.
  6. Premium benefits include unlimited complimentary golf games and milestone benefits.
  7. Earn 10,000 bonus InterMiles annually on spending Rs. 20,000 or more.
  8. Flight discount vouchers worth Rs. 2000 and hotel discount vouchers worth Rs. 3000 for the first year.
  9. Special discounts on Etihad Airways tickets booked from InterMiles.com.
  10. Earn Intermiles on flight, hotel bookings, and retail purchases.
  11. Redemption options for air tickets and hotel reservations on intermiles.com.
  12. Enjoy endless rounds of golf and personalized coaching sessions at handpicked courses, all included with our compliments.
  13. Renewal benefits include 10,000 bonus InterMiles on spending Rs. 20,000 or more.
  14. Receive a waiver on renewal fees by spending over Rs. 8 lakhs in the preceding year.
  15. 1% fuel surcharge waiver, up to Rs. 1,000 per month.

InterMiles ICICI Bank Sapphiro Credit Card:

  1. ICICI Bank has introduced an exclusive travel credit card in collaboration with InterMiles, offering premium benefits for travelers.
  2. Annual fee of Rs. 5,000 with premium benefits.
  3. Receive a complimentary InterMiles Silver Tier membership for the initial year along with a bonus of 10,000 InterMiles.
  4. There are two distinct options available: Visa and Amex, each offering exclusive advantages without any repetition.
  5. Flight and hotel discount vouchers on welcome and renewal.
  6. Complimentary international and domestic airport lounge access.
  7. Variant-specific InterMiles earning rates for different spends.
  8. Redeem your airfare and hotel bookings effortlessly with InterMiles’ convenient redemption choices available on their website.
  9. Up to Rs. 500 off on the second ticket through BookMyShow.
  10. Exclusive dining offers through ICICI Bank Culinary Treats program.
  11. Up to 4 complimentary rounds of golf every month on spending Rs. 50,000 or more.
  12. 24×7 concierge service for various bookings and assistance.

Comparison between InterMiles HDFC Bank Diners Club Credit Card and InterMiles ICICI Bank Sapphiro Credit Card

InterMiles HDFC Bank Diners Club Credit Card:

  1. Reward Rate:
    • Earn 16 Intermiles for every Rs. 150 spent on bookings for flights and hotels.
    • 8 Intermiles on every Rs. 150 spent on retail purchases.
    • 2.5x bonus Intermiles for Etihad Airways tickets.
    • Up to 5 InterMiles on every Rs. 100 spent domestically.
    • Up to 7 InterMiles on every Rs. 100 spent internationally.
    • Up to 12.5 InterMiles on every Rs. 100 spent on Etihad Airways tickets.
    • Earn up to 10 InterMiles for every Rs. 100 you spend on any other purchases made through the InterMiles website.
  2. Reward Redemption:
    • InterMiles earned can be redeemed for air tickets and hotel reservations on the InterMiles website.
  3. Welcome Benefit:
    • InterMiles Gold Membership for the first year.
    • 10,000 bonus Intermiles on spending over Rs. 20,000 in the first 30 days.
    • Get 15,000 bonus Intermiles when you spend Rs. 1,50,000 or above in the initial 90 days.
    • Flight and hotel discount vouchers worth Rs. 2,000 and Rs. 3,000 for the first year.
  4. Fuel Surcharge Waiver:
    • 1% fuel surcharge waiver, max benefit Rs. 1,000 per month.
  5. Dining Benefits:
    • Complimentary Dineout Passport membership.
    • 40% discount on dining bills.
    • 1+1 on the buffer at 200+ restaurants.
    • Additional 15% discount.
  6. Entertainment Benefits:
    • NA
  7. Milestone Benefits:
    • 10,000 bonus InterMiles annually on spending Rs. 20,000 or more within 30 days after card renewal.
    • 5,000 bonus InterMiles annually on card renewal.
    • Receive a flight discount voucher worth Rs. 500 and a hotel discount voucher worth Rs. 1,000 when you spend Rs. 60,000 or above within three months from the anniversary date of your card.
  8. Travel Benefits:
    • Unlimited lounge access at 1,000+ domestic lounges in India.
    • Access to global airport lounges through the Exclusive Lounge Program.
    • 2 complimentary international airport lounge visits annually with Dreamfolks membership.
    • 2 complimentary domestic lounge visits per quarter.
  9. Golf Games:
    • Enjoy endless rounds of golf at premier courses across India and handpicked international destinations, all with our compliments.
    • Up to 4 complimentary rounds of golf every month.
  10. Concierge Services:
    • NA
  11. Insurance Benefit:
    • Air accident cover worth Rs. 2 crores.
  12. Annual Spend-Based Waiver:
    • Annual fee waived off on spending Rs. 8 Lakhs or more in the previous year.
  13. Joining and Renewal Fee:
    • Rs. 5,000 (plus applicable taxes)
  14. Foreign Currency Mark-up:
    • 2% on all foreign currency spends.

InterMiles ICICI Bank Sapphiro Credit Card:

  1. Reward Rate:
    • Equivalent to the InterMiles HDFC Bank Diners Club Credit Card.
  2. Reward Redemption:
    • InterMiles earned can be redeemed for air tickets and hotel reservations on the InterMiles website.
  3. Welcome Benefit:
    • Receive a complimentary InterMiles Silver Tier membership for your inaugural year along with a bonus of 10,000 InterMiles.
    • Flight discount voucher of Rs. 750 and hotel discount voucher of Rs. 1,500 with the AmEx variant.
    • Receive a Rs. 750 discount voucher for flights and a Rs. 1,500 discount voucher for hotels when you spend Rs. 60,000 within the initial 3 months of activating your Visa card variant.
  4. Fuel Surcharge Waiver:
    • 1% fuel surcharge waived off at all fuel stations across India.
  5. Dining Benefits:
    • Unlock unique dining opportunities with the ICICI Bank Culinary Treats Programme.
  6. Entertainment Benefits:
    • Purchase a single movie ticket through BookMyShow and enjoy a discount of up to Rs. 500 on the subsequent ticket.
  7. Milestone Benefits:
    • Equivalent to the InterMiles HDFC Bank Diners Club Credit Card.
  8. Travel Benefits:
    • Equivalent to the InterMiles HDFC Bank Diners Club Credit Card.
  9. Golf Games:
    • NA
  10. Concierge Services:
    • 24×7 concierge services.
  11. Insurance Benefit:
    • NA
  12. Annual Spend-Based Waiver:
    • NA
  13. Joining and Renewal Fee:
    • Rs. 5,000 (plus applicable taxes)
  14. Foreign Currency Mark-up:
    • 3.5% on all foreign currency spends.

Which credit card suits you best?

  1. The InterMiles HDFC Bank Diners Club Credit Card provides excellent benefits for travel and other categories.
  2. It includes unlimited access to both International and Domestic lounges, offering a compelling reward rate.
  3. Cardholders of the InterMiles HDFC Bank Diners Club Credit Card receive unlimited annual golf games and insurance benefits, enhancing travel perks.
  4. The card offers an appealing reward rate, making it more attractive overall.
  5. On the other hand, the InterMiles ICICI Bank Sapphiro Credit Card, though sharing the same annual fee, provides limited access to airport lounges and golf games.
  6. Consequently, the InterMiles HDFC Bank Diners Club Credit Card surpasses the InterMiles ICICI Bank Sapphiro Credit Card in benefits, making it a smarter choice despite the identical card charges.

Frequently Asked Questions (FAQs)

1. What advantages does the InterMiles HDFC Bank Diners Club Credit Card offer?

  • Unlimited access to both International and Domestic lounges.
  • Lucrative reward rate.
  • Annual provision of unlimited golf games.
  • Insurance benefits enhancing travel perks.
  • Exciting overall reward rate.

2. What benefits does the InterMiles ICICI Bank Sapphiro Credit Card provide for airport lounges and golfing opportunities?

  • Limited access to airport lounges.
  • Restricted availability of golf games.

3. Is the annual fee identical for both cards?

  • Certainly! The annual fee for both the InterMiles HDFC Bank Diners Club Credit Card and the InterMiles ICICI Bank Sapphiro Credit Card is identical.

4. How do the reward rates differ between the two cards?

  • The InterMiles HDFC Bank Diners Club Credit Card provides a compelling reward rate alongside a range of other advantages, presenting a well-rounded offering for cardholders.

5. Are there any extra advantages linked to the InterMiles HDFC Bank Diners Club Credit Card?

  • Certainly! In addition to granting access to lounges, golf games, and insurance benefits, the card offers an attractive overall reward rate, making it even more appealing.

6. What makes the InterMiles HDFC Bank Diners Club Credit Card stand out, even though it shares the same annual fee?

  • It offers more extensive benefits, including unlimited lounge access, more golf games, and a compelling reward rate compared to the InterMiles ICICI Bank Sapphiro Credit Card.

7. How can I decide which card best meets my requirements?

  • Consider your priorities, such as lounge access, golf benefits, and overall reward rates, to choose the card that aligns better with your preferences and lifestyle.

8. Are there any specific terms and conditions to be aware of with these credit cards?

  • To make a wise choice, it’s crucial to thoroughly examine the terms and conditions of every card, taking note of eligibility criteria, spending prerequisites, and any applicable fees.

9. Can I upgrade or downgrade between these two credit cards?

  • Check with the respective banks for their policies on upgrades or downgrades between the InterMiles HDFC Bank Diners Club Credit Card and InterMiles ICICI Bank Sapphiro Credit Card.

10. Is there a preference for one card over the other for international travel?

  • TThe InterMiles HDFC Bank Diners Club Credit Card stands out for its unrestricted international lounge access, making it a superior choice for overseas travel when contrasted with the restricted access provided by the InterMiles ICICI Bank Sapphiro Credit Card.

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