HDFC Diners ClubMiles Credit Card Review

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. You can use Air Miles up to 70% of the fare on 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.

Apart from air tickets, you can use the ClubMiles credit card to book stays at international as well as domestic hotels through the dedicated www.hdfcbankdinersclub.in portal. Apart from rewards redemption, you also get special privileges such as special rates on hotel bookings, dining offers, etc.

You can convert reward points into rupees while making hotel bookings (1 Reward point = 1 Rupee). However, you can encash only 70% of the value while making hotel bookings.

Under the Exclusive Lounge Program by Diners Club, you get complimentary access to more than 700 premium airport lounges six times in a calendar year. However, any add-on cardholder will not be eligible for this facility. Also, accompanying guests with you will have to pay the amount charged by the lounge.

You get dining offers on this card within India as is available on most other cards from HDFC Bank or other providers. But what stands out for this card is access to more than 1,400 international dining privileges and discounts. You get special discounts on select restaurants in more than 70 countries worldwide.

Very few cards offer better rewards conversion rate than ClubMiles through which you can earn rewards at a rate of 4 Rewards Points on every Rs. 150 spent. 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.

You can also redeem reward points to get a number of products through the Rewards Redemption Catalogue of HDFC Diners Club. You also do not need to pay the rewards redemption fee of Rs. 99+GST on this card.

HDFC Diners ClubMiles credit card is one of those cards that provides most facilities that premium credit cards have but at a very low annual fee. You can use this credit card to convert points into equal amounts of air miles and get discounts on air tickets and booking stays at international hotels. International dining offers allow you to enjoy the food at discounted prices in many countries.

When you go for shopping, you will have to pay the foreign currency conversion fee of 3% which is lower than industry standards but is higher when compared with SBI Elite or HDFC Regalia credit card that have the foreign currency conversion fee of 2%.

If you indulge in international shopping a lot, you can opt for RBL Bank World Safari credit card that has zero foreign currency conversion charges. But all the cards mentioned above have a higher annual fee than ClubMiles.

As a package, HDFC Diners ClubMiles credit card can be a very good prospect 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.

If you travel overseas quite often and do not want to pay a huge annual fee, HDFC Diners ClubMiles would be a great option for you. If you fly using Vistara often, you can use this card as the air mile conversion for this card is one of the best in the industry.

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, apart from being a very good international travel credit card, has certain limitations as well. You should not opt for this card if –

• You want to avail good shopping offers as ClubMiles does not provide many benefits on shopping. Alternatively, you can opt for HDFC Regalia First credit card that has the same annual fee but more domestic benefits.
• You travel domestically and rarely go to international destinations because there are many other cards that will provide you with better flight privileges domestically. You can opt for Citi PremierMiles credit card in such a case which is another card having a very good air miles program.
• If you shop a lot and want cashback and offers from time to time on your credit card, you can go for SBI SimplyClick credit card or Amazon Pay ICICI Bank credit card.

HDFC Diners ClubMiles credit card is suited for you if you do not want to pay 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. When you book stays in hotels using the HDFC Diners ClubMiles credit card, you get special offers and discounts in addition to the rewards conversion.

If you already have the HDFC Bank Diners ClubMiles credit card, please feel free to share with us what you think about this card.