{
  "id": "hdfc-intermiles-diners-club-credit-card",
  "locale": "hi",
  "name": "HDFC Intermiles Diners Club Credit Card",
  "bank": "HDFC Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "असीमित मानार्थ डोमेस्टिक एयरपोर्ट लाउंज/वर्ष (Diners Club नेटवर्क)",
  "rewardsRate": "InterMiles पोर्टल पर 16 InterMiles/₹150 · बेस 8 InterMiles/₹150 · असीमित लाउंज",
  "bestFor": "इंटरमाइल्स लॉयल्टी सदस्य, घरेलू उड़ान बुकिंग, लक्जरी होटल प्रवास व असीमित लाउंज एक्सेस",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/intermiles-diners-club-credit-card",
  "aiVerdict": {
    "score": 7.5,
    "summary": "Its low annual fee plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "hdfc-intermiles-diners-club-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — InterMiles Diners Club Credit Card schedule of charges",
    "InterMiles Airline & Hotel loyalty reward partnership terms"
  ],
  "feeWaiver": "₹3,00,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Diners Club"
  ],
  "quickFacts": [
    {
      "key": "इंटरमाइल्स पोर्टल",
      "value": "16 इंटरमाइल्स / ₹150"
    },
    {
      "key": "सामान्य रिटेल",
      "value": "8 इंटरमाइल्स / ₹150"
    },
    {
      "key": "एयरपोर्ट लाउंज",
      "value": "असीमित डोमेस्टिक"
    },
    {
      "key": "स्वागत उपहार",
      "value": "5,000 बोनस इंटरमाइल्स"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹3,00,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹2,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "InterMiles.com पर फ्लाइट्स व होटल",
      "rate": "16 InterMiles / ₹150",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,666 इंटरमाइल्स"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "8 InterMiles / ₹150",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "5,333 इंटरमाइल्स"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "InterMiles पोर्टल बुकिंग",
      "multiplier": "16 / ₹150",
      "rate": "10.66%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "फ्लाइट्स और होटलों पर।"
    },
    {
      "channel": "एयरपोर्ट लाउंज",
      "multiplier": "असीमित",
      "rate": "डोमेस्टिक",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "भारत के हवाई अड्डों पर।"
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹2,500 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹3,00,000 खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "InterMiles.com फ्लाइट बुकिंग",
      "value": "1 InterMile = ~₹0.50",
      "minPoints": "500 miles",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "होटल आरक्षण व प्रवास",
      "value": "1 InterMile = ~₹0.35",
      "minPoints": "500 miles",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": false
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹2,500 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹2,500 + GST (₹3 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह (41.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹60,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹7.2 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}