HDFC Bank Diners Club Miles Credit Card

Joining fee

₹1,000 + GST

Renewal fee

₹1,000 + GST

Fee waiver rule

Renewal fee waiver on spending ₹1 lakh or more in a year.

Add-on card fee

₹0

Reward rate

4 Reward Points per ₹200 · everyday spends4 Reward Points for every ₹200 spent.

EMI spend earning

Reward Points /CashPoints accrued will be reversed if a retail transaction is converted into SmartEMI.

Government spend earning

Government related transactions will not earn Reward Points /CashPoints on all the cards.

Groceries earning

Reward Points earned on Grocery transactions capped at 2000 per month.

Rent earning

Rent payments will not earn Reward Points.

Wallet load earning

E - wallet loading transaction will not accrue Reward Points.

Reward exclusions

Education payments made through third - party apps like (but not limited to) CRED, Cheq, MobiKwik, etc will not earn Reward Points.

Reward caps

Reward points earned are capped at 50,000 in a statement cycle.

What one reward unit is worth

Reward Point Equivalent to SmartBuy (Flight and hotel bookings) ₹0.50.

Cashback redemption

CashBack up to ₹0.20

Catalogue redemption

Products Catalogue up to ₹0.35

Flight redemption

SmartBuy (Flight and hotel bookings) ₹0.50.

Hotel redemption

For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.

Point expiry

Reward Points /CashPoints are valid only for 2 years from the date of accumulation

Airline and hotel partners points may move to

Airmiles conversion 1.0 airmile

Lounge benefit

6 complimentary lounge access annually.

International lounge access

Diners Club Credit Cardholders can use their credit card to avail lounge access outside India.

Dining programme

15% discount at premium restaurants and 1400+ dining offers globally.

Concierge

Access to concierge services

Fuel surcharge waiver

1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5000; maximum waiver of ₹500 per statement cycle

Surcharge on railway tickets

1% of the transaction

Air accident cover

Air accident cover up to ₹1 crore

Credit shield cover

Credit liability cover up to ₹9 lakh

Lost card liability

Card liability cover of ₹900,000.

Medical and hospitalisation cover

Emergency medical expenses cover up to ₹25 lakh

Travel insurance

Travel insurance for baggage delay/loss up to ₹50,000

Add-on card eligibility

All HDFC Bank credit card members can avail of up to 3 add-on cards where the limit on the primary credit card is shared with the add-on card members

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

1.75%1.75% on each International transaction carried out in Indian currency at an international location

Cash advance fee

2.5% fee, minimum ₹500, on all cash withdrawals

Cash advance interest

3.75% per month (i.e., 45% per annum)

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

Finance charges of 3.75% monthly, 45.0% annually (all other variants)

Interest-free period

The interest free credit period could range from 20 to 50 days

Late payment fee

Nil to ₹1,300 (excl. GST), by bill amount

Over-limit fee

2.5% of the overlimit amount subject to minimum of ₹550

Payment return or dishonour fee

2% of the payment amount (minimum ₹450)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal card variants.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Charge for lounge visits beyond the free limit

Charged at the prevailing lounge rate inclusive of taxes

Education / school fee charge

1% fee will be levied on Education transactions done through third party applications.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500 whichever is higher on the amount withdrawn.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

What the card's fee or benefit year means

Annual spends of ₹1 lakh or more in a year before the Credit Card renewal date: renewal fees waived off.

Fuel transaction fee

1% fee will be levied on Fuel transaction exceeding — ₹15,000 for consumer cards.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee will be levied on Utility spends exceeding ₹50,000 per Calendar month for consumer cards.

GST note

GST applicable on all fees, interest and other charges

Minimum amount due

Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)