HDFC Diners ClubMiles Credit Card Review: HDFC Bank’s Best Low Fee Travel Card

This is the best feature of this credit card where you can book flight tickets by converting Air Miles at a rate of 1 Reward Point = 1 Air Mile and 4 reward points can be earned on every Rs. 150 spent. You can use Air Miles up to 70% discount on the fare of every ticket.

Diners Club has partnered with Club Vistara, British Airways, InterMiles and Singapore Airlines for rewards conversion into Air Miles. If you book tickets from the providers mentioned above, this card can be very useful for you as you get better conversion on this card.

The card offers a reward rate of 1.33% i.e. you will earn 4 reward points for every Rs. 150 spent on all categories which is not that good. The card does not stand in comparison to other credit cards in the market within the low-fee travel category. Although there are other alternatives to this card, this can be seen as a good option for customers looking for a low-free travel credit card from HDFC Bank exclusively. 

These reward points can be converted into an equal amount of air miles and redeemed as flight ticket discount. You can also use the reward points at the time of hotel booking where 1 reward point is equal to 50 paise. The major advantage of the card is its ability to convert reward points into airmiles at 1:1 ratio which doubles your reward rate. You can also redeem reward points to get a number of products through the Rewards Redemption Catalogue of HDFC Diners Club. 

Under the exclusive lounge program offered by the card, you get up to 6 complimentary access to 1000+ lounges worldwide in a calendar year. This benefit provided by the card is better than the average lounge perks offered by the cards of similar category. 

HDFC Diners ClubMiles provides many benefits that a premium card offers but at a nominal annual of Rs. 1,000. You can use this card to convert points into equal amounts of air miles and get discounts on air tickets and booking stays at international hotels. The international dining offers provided by the card allow you to enjoy the food at discounted prices in many countries. 

The card incurs a foreign currency conversion fee of 3%, so if you indulge in international shopping a lot, you should opt for other credit cards having zero or low conversion fee like RBL Bank World Safari Credit Card.  SBI Elite and HDFC Regalia credit card also levy  foreign currency conversion fee of 2%. However all these cards have higher annual fees when compared to HDFC Diners ClubMiles Credit Card. Overall, HDFC Diners ClubMiles credit card can be a good choice for international travel if you consider privileges on other cards that have an annual fee of Rs. 1,000 or less. If you can shell out up to Rs. 10,000, you can go for Axis Magnus credit card or HDFC Bank Infinia credit card.

*GST Extra

If you travel overseas quite often and do not wish to pay a high annual fee but still want to avail premium privilege, HDFC Diners ClubMiles Credit Card can be considered a good option. You can also apply for this card if you do not qualify for HDFC Diners Club Black and have the HDFC Diners Club Premium credit card that has a higher annual fee but relatively lower privileges

HDFC Diners ClubMiles credit card is suited for you if you do not want to pay a high annual fee but avail a number of offers internationally. It also has a very good miles conversion facility. So if you book flight tickets frequently, you can opt for this card. However if you travel domestically and rarely go to international destinations you can opt for Citi PremierMiles Credit Card which is another card having a good air miles program.