InterMiles HDFC Bank Diners Club Credit Card
The InterMiles HDFC Bank Diners Club Credit Card is a premium travel card designed for frequent travelers. It comes with a joining and renewal fee of ₹5,000 and offers great benefits like InterMiles Gold Membership, discount vouchers for flights and hotels, and up to 20,000 bonus InterMiles. Cardholders earn 8 InterMiles for every ₹150 spent on regular purchases and double the InterMiles on flight and hotel bookings through InterMiles.com. The card also includes free access to domestic and international airport lounges, making travel more comfortable.
Besides travel perks, the card offers dining discounts of up to 40% through a free Dineout Passport Membership. Users can also get their renewal fee waived based on their spending. It has low finance charges of 1.99% per month and a foreign currency markup fee of 2%, making it a budget-friendly option for international travelers. Other premium benefits like a golf program and concierge services make the InterMiles HDFC Bank Diners Club Credit Card a great choice for those who love to travel and dine out.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
What are the advantages of having the InterMiles HDFC Bank Diners Club Credit Card?
This card is perfect for frequent travelers, offering great benefits like flight discounts, access to airport lounges, concierge services, golf privileges, and more.
What should I do if my card is lost or stolen?
If your card is lost, contact HDFC Bank's customer service within 24 hours. This will protect you from being held responsible for any fraudulent transactions made with the card.
Can I apply for additional cards?
Yes, as the main cardholder, you can apply for add-on cards for family members aged 18 or above.
How can I redeem the InterMiles earned with my InterMiles HDFC Bank Diners Club card?
You can easily redeem your InterMiles on Intermiles.com.
Does this card offer dining benefits?
Yes, the card comes with a complimentary Dineout Passport Membership, which can give you discounts of up to 40% on dining when you use your card.
Does this card offer welcome benefits?
Yes, it includes exciting welcome offers such as InterMiles Gold Membership and up to 25,000 bonus InterMiles.
What is Jet Privilege?
Jet Privilege, now known as the InterMiles Program, is a rewards program where you can earn miles that can be redeemed for flight bookings on their platform.
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