HDFC Bank Launches Diners ClubMiles Credit Card

By | December 5, 2017

HDFC Bank has recently added a new credit card to its portfolio under Diners Club network called “ClubMiles”. Design front, the card looks identical to the HDFC Diners Premium Card with the only difference being the card numbers printed are gold in colour. Having a look at the features and benefits, its a nice card that comes with 2.6% reward rate when redeemed for Airmiles/hotel points. Lets have a look into it in detail.

  • Joining Fee/ Annual Fee: Rs.1,000+GST (you can get it for free/LTF)
  • Eligibility: Salary Rs.50k/m (or) Rs.6L ITR (lesser than diners premium)

HDFC Diners ClubMiles Credit Card

HDFC Diners ClubMiles Reward Rate:

  • Earning: 4 Points on Rs.150 spend (same as Premium)
  • Redemption on HDFC Diners Voucher: 1Point = Rs.0.50 (1.3% reward Rate)
  • Redemption on Airmiles: 1Point = 1 Airmile/Hotel Point (2.6% reward Rate)

So the only major difference i see between Diners Premium and Diners Clubmiles is airmiles redemption that gives 2x value on Clubmiles than premium. So HDFC created a new card just for 1 differential benefit, Seriously?! They could have gone with this easily by placing one line in their redemption page of diners premium for Airmiles.

Anyways, it might be different scenario for the Bank as its easy to trick customers with the “miles” name on card. It always works for banks that way, as i’ve seen my friends holding HDFC Allmiles thinking its a premium travel card! Great strategy for banks to target travellers.

Note: All 10X points and other offers are valid on Diners Clubmiles like any other Diners card. Its still a reward points card, so we may expect this card on most 2x/5x/10x promotions. The max cap on bonus points is same as Diners Premium for all.

Diners Reward Points Transfer partners:

All these transfer partners are also available with other diners cards which was added very recently to their transfer program. The intention to add Hotel loyalty program is good, but Trident?! I explored Trident loyalty program benefits and its not so exciting. Just with 10 hotels in the country, its very tough to make functional use of this benefit.

It looks like Trident is working hard to promote their loyalty program recently as they also got in tie up with SBI cards like elite and prime as well. But Hyatt, Starwood, IHG .. Where are you guys?!

So who needs Diners ClubMiles Credit Card?

  1. If you’re stuck with Diners Rewardz and unable to upgrade to premium due to eligibility criteria, now you may get ClubMiles which seems to be easier due to relatively low income criteria.
  2. If you’re stuck with Diners Premium and unable to upgrade to Diners black, you may now get Clubmiles as it gives 2X more value on Airmiles redemption.

Note: If you are the person who spend less on 10X partners and redeem your points for JPMiles, you can get better reward rate with HDFC Jet Airways co-branded cards instead of Clubmiles.

Bottomline:

HDFC Diners Clubmiles stands between Diners Premium and Diners Black and is for sure a great credit card for travellers who can’t get hands on Diners Black. With 2.6% reward rate on transfer partners, it can certainly be put in the list of premium credit card for travellers.

And not to forget, Diners Club Credit cards acceptance is still a concern, especially in foreign countries. In domestic, the acceptance is far better even in non-metro cities.

I still wonder why HDFC is not working out on a whole new card for years. What’s your take on HDFC Diners ClubMiles credit card? Feel free to share your thoughts in comments below.

55 thoughts on “HDFC Bank Launches Diners ClubMiles Credit Card

  1. Captain Bishuddha Bharatiya

    I have Regalia first with 1.8 lakhs limit. Can I get Diners Club Miles ?

    Reply
    1. Siddharth Post author

      Same category: Diners premium, Regalia, Clubmiles
      Regalia First is one step below.

      So you can apply for upgrade with LE and it has to go through.

      Reply
  2. Surajeet

    Hi Siddharth,
    I have a LTF Diners Premium. Is it worth giving up the premium and asking for the Club Miles? Was wondering what would I miss out on, if I give up the diners premium.

    Reply
    1. Siddharth Post author

      You don’t loose anything. But you might need to wait and watch for few weeks as to how this works. They may or may not have new rules/benefits added in coming days. we never know.

      Reply
  3. Abhishek Roy

    The acceptability of Diners is extremely low even in UK. I am struggling to find a store that’ll accept Diners/Discover. Very very few. It may be better in bigger cities like London or so may be. Visa and MasterCard rule. Even Amex has better acceptability that Diners in UK. However one can use Diners online for hotel booking in any country in Europe. It’s very difficult to use Diners if you’re looking for PoS transactions. By the way, I got my 10X points for international transactions as soon as December started. Leave 90 days, they didn’t even wait for my billing cycle. And they have been bang on. Absolutely correct points credit as per the statement. I am really happy for the savings. 🙂

    Reply
    1. Siddharth Post author

      Yes, Diners acceptance is very poor internationally. Good to know about faster posting of 10x bonus on intl txns. Yet to check what’s happening on my A/c.

      Reply
    2. Prashant Gupta

      Same here i got my points for international transaction at the start of December. its really useful as i am looking to make booking using reward points.

      Reply
    3. Chaitanya Varma

      Another weird thing I found recently is the diners cards are NOT working in HDFC Machines itself …. It happened twice for me, no matter you dip or swipe the card, there is definitely something fishy about this card acceptance…. I think some merchants opted out to accept Diners due to high charges just like Amex, may be in that case even if the swiping machine is HDFC, internally acceptance might be controlled ….. Any idea? Have you faced similar situation?

      Reply
      1. Siddharth Post author

        I’ve faced it twice and was said that Diners network was down at that time.

        Reply
    4. Majumdar

      A Roy Dada,

      You are on tome something. My own statements with both DCB and Infinia seem to indicate that 10X with even smartbuy and 5X are getting credited in the next statement itself, not 90 days as the Bank promises.

      Lets not advertise this too much tho’.

      Regards

      Reply
      1. Abhishek Roy

        Yes. True bro. Actually we had confirmed in past through the comments that on any direct purchases from Smartbuy like Flights or hotel bookings, the 9X points will be credited directly next billing cycle itself. However for affiliate purchases like say Flipkart, you’ll have to wait 3 months. Cheers. By the way great to know that you have both DCB and Infinia. Pretty rare to come across. 🙂

        Reply
  4. valliappan

    I think it still depends on how miles are going to be used, in case of jet, just for instance from Chennai to Paris if the cost is 25k then the miles required is 50k, the higher class you go better is the utilisation. This card maybe useful for those who fly in upper class.

    Reply
    1. Siddharth Post author

      Yes, Airmiles game is for those who wants to redeem for biz/first class tickets.

      Reply
  5. ashu

    Interestingly, in the Rewards Redemption catalogue (apart from Miles conversion) …… this Credit Card is categorized on Highest Side as”F”
    —–
    F – Infinia/ Diners Black/ Diners ClubMiles
    <>

    @Sid – I already have HDFC Regalia with 5.1L Credit Limit… I can apply for this new card too??
    HDFC allows two Cards ??

    Reply
    1. Siddharth Post author

      Still, am not a fan of catalog redemptions 🙂

      Dual card: Totally depends on your NRV.

      Reply
  6. Prashant Gupta

    Hi, dont you think 2.6% airmile rewatd rate is misleading as in vistara for 4000 miles one gets a revenue ticket costing around rs.2000-3000. So the reward rate in terms of ruppee remains same ir slightly better. Or am i wrong?

    Reply
    1. Siddharth Post author

      That’s how i rate it considering where/how i use them. But yes, Vistara is totally different which i’m yet to explore. In most cases, you can get Rs.1 value or more and as always, when it comes to flights, we got to compare Biz class fares and not economy.

      Reply
      1. Amex Guy

        You don’t need Biz tickets for Re. 1 valuation, unless we’re talking JPMiles or something. Since they have Avios now, you can very well get Re. 1 valuations on domestic flights, at least if you are travelling within Asia.

        JPMiles, coach tickets to HK — 32000 miles. Use Avios to book on Cathay coach — 12500 Avios. Yes, that’s how much devalued JP miles have gotten in a few years. Addition of Avios has brought back a lot of life in Diners program.

        The only problem with Avios is when you go westward, because Heathrow taxes are very expensive. But then, it is still 3 times as valuable program as any of the other partners. Especially the devalued JP.

        Reply
        1. Siddharth Post author

          All my views are based on the JPMiles redemptions. Yet to explore Avios and its partner airlines.

          And “Cathay coach — 12500 Avios” seems to be great value!

          Reply
  7. Majumdar

    Looks like an attempt to placate relatively higher end of Premium Card customers with the card having been significantly devalued. On the positive side, if the Indian Diners Cards could introduce Diners/Discover US’s international transfer partners (Hyatt and a few international airlines partners) it could become an even more awesome card.

    Regards

    Reply
    1. Amex Guy

      Discover US does not transfer to World of Hyatt points. I see no such option. I can buy a Hyatt gift card though. Diners in US at least have completely different reward and redemptions structure that has nothing to do with Discover cards. I checked the website and Hyatt is not a Diners US partner as well. Where are you seeing this? Also, except for Avios, most of Diners US miles transfer partners are local US airlines.

      Given the current 3X promotion, if Discover Us transferred to Hyatt, it would be a riot. As Hyatt points are great value on Cash + Points deals.

      Reply
  8. ravi

    Siddharth,
    seems hdfc doe not allow non account holders to apply for cards . not sure whats the reason..

    Reply
    1. Siddharth Post author

      They do. Check with right person. Branch guys may want to get some incentives so they always push for accounts.

      Reply
    2. Anoop E S

      try to apply through their website. I’ve opened HDFC SB account just one month back only. I was holding HDFC credit card for last 6 years without any account, that too Diners Black during the last 6 months

      Reply
  9. Jay

    Sid,

    I’m having DCB with 8L limit, can i get DCB Jet Card by sharing the limit ?? It can be easily get me Jet Platinum Status… Will HDFC provide both like other banks do ?

    Reply
    1. Siddharth Post author

      It depends much on your NRV with bank. Give it a try as the limit is good enough 🙂

      Reply
      1. Jay

        Problem is neither branch guys or customer care guys are aware of dual variant cards. I don’t know whom to contact for this. Both says HDFC doesn’t allow more than one card per customer. Ah.

        Reply
        1. Siddharth Post author

          Talk to BM directly as you must be holding good NRV with bank.

          Reply
        2. Hari

          I requested through my RM. He got the approval for dual cards from the credit card team.

          Reply
        3. Anoop E S

          I’ve tried twice by sending a request letter to chennai address, but was not successful.

          Depends on the customer care guy you get over phone. I was guided twice to apply through branch. But I didn’t had any such relation with HDFC during that time.

          I’m told that dual card with limit sharing is normally given to JP Platinum members. I’ve just opened SB account one month back and now got upgraded to JP Platinum. Will try again within next two months for Jet HDFC world card (limit sharing with Diners Black)

          Reply
  10. Anoopwa

    I’m not sure why HDFC isn’t switching to contactless enabled cards faster. I saw a Regalia card in the wild a month ago with the contactless symbol, and HDFC seems to have added the text to its page as well as one of the Jet card’s photos, but for no other cards. (No Regalia First or either of the Business Regalia variants).

    Could you maybe do a short article about HDFC NFC cards?

    Reply
    1. Siddharth Post author

      Maybe the transition to contactless is taking longer than expected. I found zero terminals with contactless enabled in past 2 months.

      Reply
      1. Anoopwa

        You barely see them outside big cities, but in Bangalore I see contactless terminal in the wild at every other restaurant/bar/shop. You also see a lot of Axis Bank + Samsung Pay branded terminals that are contactless – I think HDFC is lagging behind compared to the other large banks.

        Reply
  11. OP

    to add lounge access:
    Up to 6 Complimentary access to 25+ Domestic Lounges within India and 700+ Lounges Worldwide in a calendar year.

    Reply
  12. Pranav

    Hi, I hold a Diners Premium currently, LTF. Any ideas on how to switch to this card?

    Reply
  13. Amex Guy

    I’ve heard they are discontinuing Premium and Rewardz cards. If that’s the case, and as this card costs as much as Rewardz, I’m thinking they will probably upgrade all Premium/Reardz customers to this one?

    Reply
    1. Siddharth Post author

      I don’t think they would discontinue anytime soon as they changed the design just few months back.

      Reply
    2. Prashant Agrawal

      Yes, this seems to be happening but I don’t think they’ll upgrade existing cardholders (till much later, if at all); merely stop new issuance for Premium/Rewards.

      P.S. not many people know about this, boy do you know a lot 🙂

      Reply
  14. Satish Agrawal

    Is it better to upgrade to this Diners Clubmiles card from Regalia First enroute to Diners Black or Regalia/ Diners Premium will be better.

    Reply
    1. Siddharth Post author

      Regalia/ Diners Premium/Clubmiles are all on same range considering its redemption rates on diners site. So anything should be fine.

      Reply
  15. Sujit

    Hi Sid
    Checked multiple sites and notice you were the first to comment on this card variant. Nice detailed review and I do hope there are more in store for this promising card.

    Is it worthwhile to upgrade from HDFC Regalia LTF with 2.5 lac limit to this variant?

    Reply
  16. Ramprasad

    Hi Sid,

    Just discovered another high end credit card, this time from ICICI called ICICI Diamant Credit Card. It is premium and requires 50LPA. Do review it.

    Like last time (when I shared YES Private CC), you could decide to not post this comment. Just wanted to share this info with you.

    As always, very happy to see you back on the site. Feels homely.

    Thanks,
    Rampy

    Reply
    1. Siddharth Post author

      Ram,

      This was reviewed a while back. Hit search button 🙂

      Reply
        1. Ramprasad

          😂 Agree! I do have similar thoughts on some of the other supposedly high-end cards too ..

          Reply
  17. Ram

    A generic note Sid, I feel we extensively discuss only about the RPs, Cashbacks and Miles in your blog whereas there is lot of rarely sailed waters that most of don’t use (E.g: Roadside assist from Indus, No cash advance fee on RBL Supercard, Golf lessons (on lot of cards), Concierge experiences (Amex/Citi/Diners etc.) and lot more) and all of us would love to share and know about. Wouldn’t creating a separate article about “Unique Experiences” be interesting.

    Reply
  18. Narendra

    My hdfc moneyback card with 1.8lak limit was not upgraded till now.
    Whats the best level card in hdfc for upgrade. Pls suggest me
    Thank you

    Reply

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