The verdict
A high-power travel rewards card for dedicated InterMiles collectors and frequent flyers. With 8 InterMiles per ₹150 on base spends (up to 16 on flights) and unlimited domestic lounge access, frequent travelers easily extract outsized value.
Spending ₹20,000/mo on retail (12,800 miles = ₹6,400 value) + ₹5,000/mo on InterMiles flights (6,400 miles = ₹3,200 value) + 5,000 welcome miles (₹2,500) + 8 domestic lounges (₹11,200) clears the ₹3L spend to waive the ₹2,500 fee, delivering over ₹23,300 in net annual travel value (9.3× ROI).
Annual fee of ₹2,500 + GST; InterMiles value is tied to partner flight/hotel redemption inventory.
✓What works
- +Earn 16 InterMiles for every ₹150 spent on flights and hotels booked via the InterMiles platform.
- +Earn 8 InterMiles for every ₹150 spent on all other eligible domestic retail transactions.
- +Unlimited complimentary domestic airport lounge access across premier Indian lounges via Diners Club.
- +5,000 Bonus InterMiles welcome gift upon card activation and initial spend threshold.
- +Annual renewal fee of ₹2,500 waived on spending ₹3,00,000 in the anniversary year.
- +1% fuel surcharge waiver on all petrol pumps across India on transactions between ₹400 and ₹5,000.
✕What doesn't
- −Annual renewal fee of ₹2,500 + GST.
- −InterMiles program utility depends on flight ticket availability across partner airline networks.
- −Standard 3.5% + GST forex markup on international transactions.
What it earns
1 InterMile = ~₹0.50 when redeemed for partner flight tickets and hotel bookings on InterMiles.com.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Flights & Hotels on InterMiles.com | 16 InterMiles / ₹150 | Uncapped | 10,666 InterMiles |
| All Other Domestic Retail Spends | 8 InterMiles / ₹150 | Uncapped | 5,333 InterMiles |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
16 InterMiles / ₹150 + Unlimited Domestic Airport Lounges
Earn top-tier airline frequent flyer miles on flights and everyday retail.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| InterMiles Portal BookingsOn flights & hotels. | 16 / ₹150 · 10.66% | Uncapped | — |
| Airport LoungesAcross Indian airports. | Unlimited · Domestic | Uncapped | — |
| Fee WaiverWaived at ₹3,00,000 spend. | 100% · ₹2,500 Waived | 1 / year | — |
Redemption options
Redeem InterMiles directly on InterMiles.com for domestic/international flights, luxury hotels, and fuel.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| InterMiles.com Flight BookingsBEST VALUE | 1 InterMile = ~₹0.50 | 500 miles | None | Nil |
| Hotel Reservations & Stays | 1 InterMile = ~₹0.35 | 500 miles | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Flight tickets and hotel bookings on InterMiles.com, retail shopping, dining.
- +Unlimited domestic airport lounge visits.
- +Bonus welcome InterMiles.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹5,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Annual Renewal Fee | ₹2,500 + GST (Waived at ₹3 Lakhs spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.49% / month (41.88% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–60 years |
| Salaried Income | ₹60,000+ monthly net salary |
| Self-Employed Income | ITR above ₹7.2 Lakhs per annum |
Frequently Asked Questions
Does HDFC Intermiles Diners Club Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for HDFC Intermiles Diners Club Credit Card?
What is the reward rate and point redemption value on HDFC Intermiles Diners Club Credit Card?
Which transactions are excluded from earning rewards on HDFC Intermiles Diners Club Credit Card?
Who is HDFC Intermiles Diners Club Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: HDFC Intermiles Diners Club Credit Card
The HDFC Intermiles Diners Club Credit Card is a premium co-branded aviation card on the Diners Club network, designed for frequent flyers and business travelers seeking accelerated InterMiles mileage accrual and unlimited airport lounge comforts. Issued at an annual fee of ₹2,500 + GST, the renewal fee is completely reversed upon spending ₹3,00,000 in qualifying retail purchases during the anniversary year.
The card provides massive aviation rewards: cardholders earn 16 InterMiles per ₹150 spent on flight and hotel bookings via the InterMiles portal, 8 InterMiles per ₹150 spent on all general retail transactions, 5,000 welcome and renewal bonus InterMiles, and unlimited domestic airport lounge access (subject to bank spend terms) via the Diners Club airport lounge network.
Key Privileges and Practical Everyday Benefits
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16 InterMiles / ₹150 on InterMiles Portal: Earn 16 InterMiles for every ₹150 spent on flight and hotel bookings made through intermiles.com.
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High 8 InterMiles / ₹150 Base Earning: Earn 8 InterMiles per ₹150 spent on all everyday domestic and international retail purchases.
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Unlimited Domestic Airport Lounge Access: Enjoy unlimited complimentary domestic airport lounge visits via the Diners Club airport lounge network across major Indian terminals.
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5,000 Welcome & Renewal Bonus Miles: Receive 5,000 bonus InterMiles upon payment of joining and annual renewal fees.
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Achievable ₹3 Lakh Annual Spend Waiver: Reversal of the ₹2,500 renewal fee upon spending ₹3,00,000 in qualifying retail purchases annually.
Important Terms and Spend Conditions to Keep in Mind
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InterMiles Ecosystem Utility: Miles carry optimal redemption value exclusively on the InterMiles travel platform for flight tickets and hotel bookings.
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Diners Club Network Acceptance: Requires a Visa or Mastercard backup card for occasional offline swipe machines in remote or smaller retail stores.
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Domestic Lounges Only: Unlimited lounge access applies to domestic terminals; international airport lounges are not complimentary.
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Excluded Categories: Fuel purchases, rent payments via aggregator platforms, wallet reloads, and government taxes earn zero InterMiles.
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Standard 3.5% Forex Fee: International spends attract the standard 3.5% + GST markup fee.
Who Benefits Most
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Frequent Aviation Travelers: Fliers who book domestic and international tickets through the InterMiles platform to extract 16 miles per ₹150.
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Mileage Maximizers: Spenders seeking a high base mileage accrual rate of 8 InterMiles per ₹150 on routine retail purchases.
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Domestic Executive Commuters: Business professionals who regularly utilize unlimited domestic airport lounge access across Indian metros.
- HDFC Bank — InterMiles Diners Club Credit Card schedule of charges
- InterMiles Airline & Hotel loyalty reward partnership terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).