InterMiles HDFC Bank Diners Club Credit Card: All You Need to Know About Features, Benefits, and Earning Points

Amid the constant churn in the industry wherein banks and financial institutions are racing to be the first one to provide the best-in-class as well as never-seen-before credit card, the InterMiles HDFC Bank Diners Club Credit Card takes a front seat. The InterMiles HDFC Bank credit card is a premium offering for frequent flyers offering a host of benefits in terms of rewards, travel privileges and lifestyle benefits by HDFC Bank. This card could be a game-changer if you love to travel, or if maximizing the value of every dollar spent is a priority for you.

In this blog, I will write all about the salient features, benefits, rewards structure and how does the InterMiles HDFC Bank Diners Club Credit Card stand against other credit cards in the market. Whether you’re thinking about applying for this card or just want to get a better sense of what it has to offer, here’s everything you need to know.

What Makes The InterMiles HDFC Bank Diners Club Credit Card Stand Out?

The InterMiles HDFC Bank Diners Club Credit Card is a unique offering, which brings together the best of HDFC Bank’s banking services with InterMiles’ travel and lifestyle loyalty program. That makes it a good selection for people who are always on the go or who love to rack up rewards. Enjoy benefits like airport lounge access to exciting offers on travel – it’s a card designed to complement your travel.

The card provides access to InterMiles, a frequent flyer program where card members can earn miles and redeem them for travel benefits. Rewards can be redeemed for flights, hotel stays, and even shopping. But that’s not it – you also get premium benefits like Diners Club Airport Lounge Access, Dining Privileges, and Exclusive Travel Benefits with the InterMiles HDFC Bank Diners Club Credit Card.

Key Highlights of InterMiles HDFC Bank Diners Club Credit Card

Premium Lifestyle and Travel Perks

The InterMiles HDFC Bank Diners Club Credit Card is brimming with benefits for travel enthusiasts. As a premium credit card, it features:

• Airport Lounge Access: Receive complimentary membership to over 1,000 airport lounges around the world, including priority pass select lounges, with your Gold Card.

• InterMiles Program: Get rewarded with InterMiles on every transaction, which can be redeemed for flights, hotel stays, shopping and much more. You can get up to 2,000 InterMiles on the first transaction within 90 days.

Reward Points Structure

It is one of the best reward point cards for daily spends. Here is what sets you back these reward points:

• 4 InterMiles per ₹150 in international spends (airlines, travel services and more).

• 2 InterMiles for every ₹150 spent on all domestic spending.

• 5X Reward Points on dining, travel, and select retail partners.

The points are for every $1 spent and can be used towards flight bookings, hotel stays, merchandise and even paying off your credit card balance, giving you flexibility in how you use it.

Complimentary Lounge Access

Being a travel-centric card, the biggest perk of the InterMiles HDFC Bank Diners Club Credit Card comes in the form of airport lounge access:

• Domestic Lounges: Relax in one of multiple domestic airport lounges.

• International Lounges: Diners Club International has more than 1,000 lounges, so wherever you travel, you can take a break at the airport.

Accelerated Reward Points

InterMiles HDFC Bank Diners Club Credit Card comes with an accelerated reward point eligibility on spends in the below categories:

• Dining: Get great dining benefits with 5X rewards points for every ₹150 spent on dining.

• Travel: Get 5X reward points on travel costs, that covers flight bookings, hotel stays and car rentals.

These reward points add up, and can be redeemed for travel or other incentives faster.

Comprehensive Travel Insurance Coverage

This card also offers very impressive travel insurance:

• Air Accident Insurance: Insures you in case of accidental death or dismemberment while traveling by air.

• Medical Insurance: This provides cover for emergency medical evacuation, hospital expenses etc.

• Delayed Baggage Insurance: If your luggage doesn’t arrive after 6 hours of touching down at your destination, you can get payment for essential purchases (clothing, toiletries, etc.).

That's what makes the InterMiles HDFC Bank Diners Club Credit Card the ideal travel buddy for those who prefer to be worry-free as they travel.

Fuel Surcharge Waiver

For fuel transactions with the credit card at any petrol pump all over India the card user will get a fuel surcharge waiver of 1%. By using this waiver, you will be able to keep more cash in your pocket for gas as well as accumulate rewards points for anything you buy.

Exclusive Dining Privileges

Cardmembers also get preferential dining offers at the finest restaurants throughout the nation. Dining out is even more fun with discounts, free meals and special deals at partner restaurants.

How Does the InterMiles HDFC Bank Diners Club Credit Card Compare to Other Travel Credit Cards?

Compare it with the HDFC Diners Club Black Card

Another premium credit card from HDFC Bank is the HDFC Diners Club Black Card. Though both cards come with features such as lounge access and accelerated reward points on travel and dining, the InterMiles HDFC Bank Diners Club Credit Card distinguishes itself with the fact that it’s a part of the InterMiles program and one can earn and redeem miles on travel as well on everyday transactions.

• Reward Points: The InterMiles HDFC Bank Diners Club Credit Card earns you better rewards on dine outs and travel, as compared to the Diners Club Black Card. Further, the InterMiles program offers greater flexibility and more options with travel rewards.

Compare with Other Credit Cards (American Express Platinum Travel Card)

The Amex Platinum Travel Card is famous for providing good travel related benefits, but the annual fee that it charges is way higher than InterMiles HDFC Bank Diners Club Credit Card's. In addition, although American Express has its own rewards program, the InterMiles program provides greater freedom in earning and using miles across many airline and travel partners.

In terms of Points earning, low annual fee and travel perks, the InterMiles HDFC Bank Diners Club Credit Card can give other travel credit cards a run for their money.

Who Should Apply for InterMiles HDFC Bank Diners Club Credit Card?

Ideal for:

• Frequent Flyer: Travelers enjoying both business and leisure traveling will benefit from a global airport lounge access, and generous travel offers.

• Dining Fans: If you eat out a lot and would like to earn a little something back on your dining bills, this card rewards you with 5X reward points on dining purchases.

• Travel hacking fans – for the travel hackers out there, you can score a massive amount of reward points for purchasing, which you can use for booking flights, staying in hotels, and converting that into miles for your favorite airline’s frequent flyer program.

• Those who care about travel insurance: This card offers a slew of travel insurance benefits so you can rest easy on your next flight.

How to Get the Best from the InterMiles HDFC Bank Diners Club Credit Card

Here's how to make the most of your InterMiles HDFC Bank Diners Club Credit Card:

• Focus Spending on Travel and Dining: Given the fact that this card provides 5X reward points on travel and dining, it's very important to focus your spends in these categories to ensure that the reward points add up quickly.

• Use InterMiles Smartly in Reasonable Ways: Burn your earned InterMiles for flight tickets, hotel reservations or car hires. Apply your rewards toward purchases or experiences you would have paid for anyway, like a vacation or airfare.

• Use the Card for Overseas Transactions: Get 4 InterMiles for every ₹150 spent on international transactions – use the card to book flights, shop or dine abroad and you’ll earn more reward points.

Bottom Line on the InterMiles HDFC Bank Diners Club Credit Card

The InterMiles HDFC Bank Diners Club Credit Card is an exclusive card with a broad range of travel and lifestyle benefits. From accelerated rewards for travel and dining, airport lounge access, travel insurance, to an overall strong rewards program, this card is packed with value for those who travel often or frequently dine out.

If you’re searching for a card that rewards your spend and elevates your travel experience, then the InterMiles HDFC Bank Diners Club Credit Card is a great card to have. With all the benefits, coupled with the affordable price tag, it’s something everyone who loves convenience, luxury and spending to earn toward rewards.