एचडीएफसी डाइनर्स क्लब क्लबमाइल्स क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Dedicated frequent flyer credit card offering 1:1 air miles transfer to global airline programs and 4 complimentary global airport lounge visits.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
1,000 ClubMiles credited upon payment of the annual joining fee.
4 complimentary domestic and international airport lounge visits per calendar year via the Diners Club global lounge directory.
1% fuel surcharge waiver at all petrol stations across India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).
Annual fee reversal on ₹1,50,000 annual retail spend. 1:1 air miles redemption across major airline programs.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹35,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Check card availability on hdfcbank.com or via HDFC NetBanking. Step 2: Enter PAN and registered mobile number to verify basic eligibility. Step 3: Submit personal and employment details. Step 4: Upload identity, residence, and income verification documents. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.