What is the annual fee of the HDFC Diners ClubMiles Credit Card?

Rs 1,000 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.

Does the HDFC Diners ClubMiles Credit Card give airport lounge access?

Yes. In India: 6 complimentary lounge visits a year in total; the page does not split domestic and international. Outside India: none listed.

What is the forex markup on the HDFC Diners ClubMiles Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the HDFC Diners ClubMiles Credit Card?

No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming (MITC)

M16S / HDFC Bank / HDFC Diners ClubMiles Credit Card

mid · rewards, travel

HDFC Diners ClubMiles Credit Card

HDFC BankDinersLast checked 31 Oct 2026closed to new applicants

The HDFC Diners ClubMiles Credit Card costs Rs 1,000 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 1% (4 RP per Rs 200). Accelerated earn: Up to 10X on partner brands / SmartBuy. The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 31 Oct 2026.

HDFC Diners ClubMiles Credit Card card design — Card design: hdfc.bank.in

Annual fee: Rs 1,000+ GST
Fee waived at: Rs 1,00,000annual spend
Base return: 1%
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 1,000
Annual fee	Rs 1,000
Annual spend that waives the fee	Rs 1,00,000
Fee notes	Joining/renewal Rs 1,000 + taxes. Renewal fee waived on Rs 1 lakh spend in a year (product page).

Rewards

Welcome benefit	1,000 RP on fee payment
Reward currency	Reward Points
Base earn	4 RP per Rs 200
Base return	1%
Point value	1 RP = Rs 0.50 on SmartBuy flights/hotels (up to 70% of booking); 1 airmile; up to Rs 0.35 product catalogue; up to Rs 0.20 cashback
Accelerated earn	Up to 10X on partner brands / SmartBuy
Capsunverified	Max 50,000 RP per statement cycle (product page; MITC). 10X capped at 5,000 points/month (aggregator); grocery 2,000 RP/month (MITC)
Spends that earn nothing	No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming (MITC)
Points expiry	2 years
Reward notes	Redemption fee Rs 99 + GST (MITC). base_return_pct = 4 RP per Rs 200 x Rs 0.50 (SmartBuy flights/hotels) = 1.0%; both figures from the product page.

Transfers

Partnersunverified	Singapore KrisFlyer
Ratio	1 RP = 1 airmile (product page); the page does not name the programmes. Aggregator named InterMiles, Singapore Airlines and Club Vistara, two of which have closed

Travel and perks

Domestic lounge	6 complimentary lounge visits a year in total; the page does not split domestic and international
International lounge	Not separately stated; covered, if at all, by the same 6 visits a year
Forex markup	3.5%
Fuel surcharge waiver	1% on txns Rs 400-5,000, cap Rs 500 per cycle per MITC (aggregator says Rs 250)
Other freebies	15% discount at premium restaurants; concierge; air accident cover Rs 1 crore; emergency medical expenses up to Rs 25 lakh; baggage delay/loss up to Rs 50,000; credit liability cover Rs 9 lakh

Charges and eligibility

Interest per month	3.75%
Late payment fee	On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC)
Cash advance fee	2.5% of amount, min Rs 500
Eligibility	Sourcing stopped; existing cardholders keep the benefits (product page)
Fine-print notes	Legacy Diners card; the product page confirms sourcing has stopped and links to changes effective 15 May 2026 that were not readable. Product page read 2026-10-12; forex markup, fuel waiver, welcome benefit and partner names are not on it. Conflicts with earlier data (issuer page used): base_earn: earlier value 4 RP per Rs 150; product page says 4 RP per Rs 200, so base_return_pct falls from 1.33 to 1.0 \| interest_rate_monthly_pct: earlier value 3.75% (MITC default); product page says 3.6% a month. Two issuer documents disagree; verify against the current MITC. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.

Questions

What is the annual fee of the HDFC Diners ClubMiles Credit Card?: Rs 1,000 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
Does the HDFC Diners ClubMiles Credit Card give airport lounge access?: Yes. In India: 6 complimentary lounge visits a year in total; the page does not split domestic and international. Outside India: none listed.
What is the forex markup on the HDFC Diners ClubMiles Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC Diners ClubMiles Credit Card?: No points on rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming (MITC)