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INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).
🏛️HDFC Bank Ltd.Network: Diners Club / DiscoverTravel & Aviation CardsLast Verified: 2026-09-28

HDFC Diners Club ClubMiles Credit Card

एचडीएफसी डाइनर्स क्लब क्लबमाइल्स क्रेडिट कार्ड

Dedicated frequent flyer credit card offering 1:1 air miles transfer to global airline programs and 4 complimentary global airport lounge visits.

Annual Fee₹1,000 + GST (Renewal: ₹1,000 + GST)
Reward Rate4 ClubMiles per ₹150 spent on all retail transactions. Accelerated ClubMiles on airline ticket bookings made through the dedicated Diners Club portal.
Airport Lounge4 complimentary domestic and international airport lounge visits per calendar year via the Diners Club global lounge directory.
Forex Markup3.00% + GST on foreign currency transactions.
01

What Is This Card

HDFC Diners Club ClubMiles is an air miles focused entry-to-mid travel card designed for frequent domestic and regional flyers. It converts everyday spends into flexible air miles that transfer 1:1 to global airlines including British Airways and Singapore Airlines.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,000 + GST (Renewal: ₹1,000 + GST)

Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,000 waived.

🎁Welcome Benefit

1,000 ClubMiles credited upon payment of the annual joining fee.

⚡Reward Points Structure

4 ClubMiles per ₹150 spent on all retail transactions. Accelerated ClubMiles on airline ticket bookings made through the dedicated Diners Club portal.

Redemption Value: 1 ClubMile = 1 Air Mile on partner airlines (British Airways Avios, Singapore Airlines KrisFlyer, InterMiles). 1 ClubMile = ₹0.50 on flight bookings.

🛫Airport & Railway Lounge Access

4 complimentary domestic and international airport lounge visits per calendar year via the Diners Club global lounge directory.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to ₹10 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver at all petrol stations across India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹1,50,000 annual retail spend. 1:1 air miles redemption across major airline programs.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

03

What's Missing (Eligo's Honest Disclosures)

!

Fine-Print Exclusions & Realistic Costs

Only 4 complimentary lounge visits per year. Sourcing has become selective as HDFC emphasizes the newer Regalia Gold and Diners Privilege variants. Diners Club merchant acceptance is slightly lower at smaller independent offline shops.

Forex Markup Fee3.00% + GST on foreign currency transactions.
Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.
Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.
Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).
Reward Points ExpiryClubMiles expire 2 years (24 months) from the date of accrual.
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.
04

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹35,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years
Minimum Income₹35,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
CIBIL Score NoteA credit score of 720+ is standard.
SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Check card availability on hdfcbank.com or via HDFC NetBanking.
2Enter PAN and registered mobile number to verify basic eligibility.
3Submit personal and employment details.
4Upload identity, residence, and income verification documents.
5Complete online Video KYC session with bank official.
6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch by submitting self-attested copies of PAN, Aadhaar, latest salary slip, and a passport-size photo.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)
06

Documents Required

1. PAN Card (statutory requirement)
2. Proof of Identity & Residence: Aadhaar Card, Passport, or Driving License
3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet
4. Passport-size photograph.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Diners Club ClubMiles Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Diners Club ClubMiles Credit Card into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Diners Club ClubMiles Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 ClubMile = 1 Air Mile on partner airlines (British Airways Avios, Singapore Airlines KrisFlyer, InterMiles). 1 ClubMile = ₹0.50 on flight bookings. Please note: ClubMiles expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on HDFC Diners Club ClubMiles Credit Card and how does it work?
The interest-free period on HDFC Diners Club ClubMiles Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
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