HDFC Bank Intermiles Diners Club Credit Card

Lounge access

• HDFC Bank Diners Club Black Credit Card - Unlimited Access to Domestic and International Lounges.
• Primary Cardholder eligible.
• Must be 18 years or older.
• Service non-transferable.
• ₹2 + GST card validation charges for the lounge will not be reversed.
• All visits exceeding the complimentary limit charged at prevailing lounge rate inclusive of taxes.

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Forex markup

• Cross currency mark-up of 2% (Foreign Currency Transactions).
• Currency conversion rate as on settlement date applicable.

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Charge

• Charges on Revolving Credit: 1.99% per month (23.88% annually).
• Cash Advance Charges: 2.5% of amount withdrawn or ₹500 whichever is higher.
• Payment Return Charges: 2% of payment amount, minimum ₹450.
• Charges on overlimit account: 2.5% of overlimit amount, minimum ₹550 (w.e.f 1st Sep 2020).
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per redemption request (not charged for Infinia/Diners Black).
• Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever is higher.
• Reissue of Lost/Stolen/Damaged Card: ₹100.
• Railway Ticket Purchase Fee: 1% of transaction amount + GST.
• Card Validation charges - Lounge (Diners): ₹2 not reversed.
• Late Payment Charges (w.e.f 1st Sep 2020): Nil up to ₹100.
• ₹100 (₹100-500).
• ₹500 (₹501-5000).
• ₹600 (₹5001-10000).
• ₹800 (₹10001-25000).
• ₹1100 (₹25001-50000).
• ₹1300 (above ₹50000).
• Duplicate physical statement: ₹10.
• Outstation Cheque Processing: ₹25 (up to ₹5000)/₹50 (above ₹5000).
• Priority Pass lounge visits within India: $27 + taxes per person per visit.

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Interest-free period

Up to 50 days interest-free credit period (range 20 to 50 days), applicable only if all previous dues are paid in full and no cash withdrawal availed.

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Fuel surcharge waiver

• Fuel Surcharge Waiver capped at ₹1000 every billing cycle (GST applicable), waived for transactions between ₹400 to ₹5000.
• Waiver capped at 1% of eligible fuel transaction amounts.
• GST on fuel surcharge is non-refundable.
• InterMiles will not be accrued on fuel transactions.

Verified · Intermiles Diners Club Credit Card product page · 2026-08-03 · source

Milestone benefit

• First Quarter Bonus: 15,000 InterMiles upon making total retail spends of ₹1,50,000 or above, within first 90 days of card set up date.
• No pro-rata allotment.
• A maximum of 15,000 InterMiles credited in lieu of First Quarter Bonus InterMiles.

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Redemption value

• Reward points/InterMiles valid only for 2 years from the date of accumulation.
• Rewards Redemption Fee of ₹99 per redemption request applies (not charged for Infinia/Diners Black).
• For flight and hotel bookings, cardmembers can redeem up to a maximum of 70% of booking value through InterMiles.

Verified · Intermiles Diners Club Credit Card product page · 2026-08-03 · source

Reward cap

InterMiles accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.

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Reward exclusion

• Cash advance, fuel transaction, fees and other charges do not accrue any InterMiles.
• EasyEMI and e-wallet loading transactions will not accrue InterMiles.
• InterMiles accrued will be reversed if a retail transaction is converted into SmartEMI.
• Only retail purchases on and above INR 150 qualify for InterMiles.

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Transfer partner

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Transfer rule

• InterMiles Tier Match: members are eligible for a complimentary InterMiles Gold Tier Match in the first year of Enrolment.
• Tier benefits available for 12 months without revocation even if member discontinues the co-brand card within the same year.
• A specific tier match with any co-brand card is available only once in a lifetime.

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Golf benefit

• Golf Program: complimentary golf games and green fee waiver for domestic and international golf courses.
• 100% green fee waiver for the primary card holder.
• Access to exclusive restaurants at select golf clubs.
• Booking via concierge at 1800 118 887 / 022 42320226.
• In conjunction with GolfLAN.com.

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Travel benefit

• Flight Vouchers: 2 discount vouchers worth ₹1,000 each for the First year (min booking ₹6,000), 1 voucher worth ₹1,000 for Renewal year, on intermiles.com.
• Hotel Vouchers: 2 discount vouchers worth ₹1,500 each for the First year (min booking ₹8,000), 2 vouchers worth ₹1,000 each for Renewal year, on interbook.intermiles.com.
• Etihad Airways: 5% discount on Economy Class and 10% discount on Business Class tickets booked on intermiles.com.

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Eligibility

• Add-on cards can be availed for immediate family members over 18 years of age.
• Card features are applicable for the Primary Card Holder only and not add-on card holders.

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