HDFC Diners Club Miles Credit Card

The HDFCDiners Club Miles credit card is a premium choice with an exceptional air miles program. You can exchange points at a 1 RP = 1 Airmile rate, but that’s not all. Redeem your reward points for various options like flights, hotels, products, vouchers, or cash back. It comes with a Rs. 1,000 joining fee and a welcome bonus of 1,000 reward points. Additionally, customers can enjoy 10X reward points on partner brands, up to a cap of Rs. 5,000 per month.

Key Highlights of HDFC Bank Diners Club Miles Credit Card

  1. Premium travel card with top-tier air miles program.
  2. Redeem reward points for air miles using the miles exchange program.
  3. Complimentary access to airport lounges, both domestic and international.
  4. Enjoy dining discounts at partner establishments.

Features and Benefits of HDFC Diners Club Miles Credit Card

The HDFC Diners Club Miles Credit Card offers several features and benefits:

1. Welcome Gift:

  • Receive 1,000 reward points upon payment of the joining fee.
  • Get 1,000 reward points upon each card renewal (not applicable if the fee is waived off).

2. Annual Fee Waiver:

  • Spend Rs.1 lakh or more in a year to have the annual fee waived.

3. Travel Benefits:

  • Book air tickets with over 150 airlines and hotel rooms from a wide selection listed on hdfcbankdinersclub.in.
  • Enjoy 6 complimentary lounge visits per year in India and 700+ worldwide.
  • Exchange HDFC credit card reward points for air miles with leading airlines.
  • Avail complimentary insurance coverage including air accident (Rs.1 crore), emergency medical expenses (up to Rs.25 lakh), and credit liability (Rs.9 lakh).
  • Travel insurance covers baggage loss or delay (up to Rs.55,000).

4. Reward Points Program:

  • Earn 4 reward points for every Rs.150 spent on the card.
  • Redeem points for air miles with partner airlines and hotels.
  • 1 reward point equals 1 air mile.
  • Exchange points for gifts, vouchers, air tickets, or hotel bookings.
  • 1 reward point equals Re.0.50 for certain redemptions.

5. Lifestyle Privileges:

  • Enjoy a 15% discount and other benefits at select city restaurants.
  • Access 24/7 concierge services to assist with travel needs.

HDFC Bank Diners Club Miles Credit Card Fees and Charges

Here are the fees and charges associated with the HDFC Bank Diners Club Miles Credit Card:

  1. Spend Based Waiver: You can have the annual fee waived by spending Rs. 1 Lakh.
  2. Rewards Redemption Fee: Each redemption request costs Rs. 99 (plus applicable taxes).
  3. Foreign Currency Markup: A 3.00% fee on the total transaction value (plus applicable taxes) for foreign currency transactions.
  4. Interest Rates: The monthly interest rate is 3.6% (or 43.2% annually).
  5. Fuel Surcharge: A 1% Fuel Surcharge Waiver, with a maximum cap of Rs. 250 per billing cycle at fuel stations across India.
  6. Cash Advance Charges: Cash advances incur a fee of 2.5% of the total transaction amount (Minimum Rs. 500).
  7. Add-on Card Fee: No fee is charged for add-on cards.

HDFC Bank Diners Club Miles Credit Card Eligibility

To qualify for the HDFC Bank Diners Club Miles Credit Card, you must adhere to the following conditions:

For Salaried Individuals:

  • Age: You must be between 21 and 60 years old.
  • Income: Your net monthly earnings should exceed Rs 30,000 per month.

For Self-Employed Individuals:

  • Age: Your age should fall within 21 to 65 years.
  • Income: Your annual income, as per your Income Tax Return (ITR), should be higher than Rs 3.6 lakhs per annum.

Documents Required for Diners Club Miles Credit Card HDFC

To apply for the Diners Club Miles HDFC, you will typically need the following documents:

1. Identity Proof: Any one of the following:

  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card

2. Address Proof: Any one of the following:

  • Aadhar Card
  • Passport
  • Utility bills (electricity, water, gas) in your name
  • Rental agreement
  • Bank statement or passbook

3. Income Proof: Any one of the following:

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16 (for salaried individuals)
  • Business/Professional income proof (for self-employed individuals)

4. Passport-size Photographs: Usually, two recent passport-size photographs.

5. Application Form: You may need to complete the credit card application form provided by HDFC Bank.

How to apply for HDFC Diners Club Miles Credit Card

To apply for the HDFC Diners Club Miles Credit Card, you can follow these general steps:

1. Check Eligibility:

  • Ensure that you meet the card’s eligibility criteria, including age, income, and other requirements.

2. Gather Documents:

  • Collect the necessary documents such as identity proof, address proof, income proof, and passport-size photographs.

3. Online Application:

  • Visit the HDFC Bank official website.
  • Navigate to the credit card section and locate the Diners Club Miles Credit Card.
  • Fill out the online application form with your personal, financial, and contact details.
  • Upload the required documents.

4. Offline Application:

  • Visit the nearest HDFC Bank branch.
  • Collect the credit card application form or request it from the bank’s representative.
  • Fill out the form with the required information.
  • Attach photocopies of the necessary documents.
  • Submit the completed application form and documents to the bank.

5. Verification:

  • The bank will review your application and documents. They may contact you for further verification or clarification.

6. Approval:

  • If your application is approved, you will receive your HDFC Bank Diners Club Miles Credit Card at the address provided in the application.

Frequently Asked Questions (FAQs)

1. What is the HDFC Diners Club Miles Credit Card?
The HDFC Diners Club Miles Credit Card is a premium credit card offered by HDFC Bank. It is designed to provide cardholders with exclusive travel benefits, reward points, and lifestyle privileges.

2. How can I apply for the HDFC Diners Club Miles Credit Card?
You can apply for the HDFC Diners Club Miles Credit Card online through the official HDFC Bank website or by visiting a nearby HDFC Bank branch. Ensure you meet the eligibility criteria and have the necessary documents for a smooth application process.

3. What are the key features of the HDFC Diners Club Miles Credit Card?
Some key features include:

  • Miles Exchange Program
  • Lounge Access
  • Reward Points on Retail Spending
  • Travel Insurance
  • Concierge Services
  • Contactless Payments

4. How does the Miles Exchange Program work?
The Miles Exchange Program allows cardholders to convert their reward points into air miles, which can be redeemed for flight tickets or hotel bookings. The conversion ratio may vary, and details can be found in the card’s terms and conditions.

5. What is the eligibility criteria for the HDFC Diners Club Miles Credit Card?
Eligibility criteria typically include age, income, and credit score requirements. Specific details can be obtained from the HDFC Bank website or by contacting the bank directly.

6. Is there an annual fee for the HDFC Diners Club Miles Credit Card?
The annual fee and other charges associated with the card are mentioned in the card’s terms and conditions. Some credit cards may have an annual fee, while others may offer fee waivers based on spending patterns.

7. How can I redeem reward points earned on the HDFC Diners Club Miles Credit Card?
HDFC Bank provides various redemption options, including travel bookings, merchandise, vouchers, and more. Cardholders can log in to the HDFC Bank net banking portal or contact customer support for details on redemption.

8. What kind of travel insurance is offered with this credit card?
The HDFC Diners Club Miles Credit Card often provides travel insurance coverage, including features like lost baggage coverage, travel accident insurance, and other benefits. Details can be found in the card’s policy document.

9. How can I check my credit card statement and track my expenses?
Cardholders can easily access their credit card statements through the HDFC Bank net banking portal or the mobile banking app. Additionally, monthly statements are sent to the registered email address.

10. What should I do if my HDFC Diners Club Miles Credit Card is lost or stolen?
In case of loss or theft, immediately contact the HDFC Bank customer care helpline to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.