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HDFC Bank

HDFC Diners ClubMiles

Diners ClubMidMiles
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Annual Fee

₹1,000

Reward Type

Miles

Forex

2%

Lounge

6 dom · 3 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹1,000
Annual Fee₹1,000(waived ≥ ₹1,00,000)
Min Monthly Income₹40,000

Rewards

Reward TypeMiles
Base Rate1.33%
Point Value₹0.5/point

Category Multipliers

smartbuy13.3%(cap ₹5,000)weekend dining6.6%

Redemption Values

flights₹0.5/pt
hotel transfer₹0.5/pt

Travel & Global

Forex Markup2%
Domestic Lounge6 visits/yr
Intl. Lounge3 visits/yr
Lounge NetworkDiners Club

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

RBL World Safari Credit Card (95%) →Air India Axis Bank (ex-Vistara) (94%) →Axis Atlas (94%) →Axis Privilege (93%) →HDFC 6E Rewards XL IndiGo (93%) →

💡 Fee Waiver Strategy

Spend ₹1L to waive renewal fee.

⚖️ Breakeven Analysis

To recover the ₹1,000 annual fee at the base reward rate of 1.33%, you need to spend ₹75,188 annually.

🎯 Pro Tips

  • ▸Baby Diners Black - same earning engine, lower fee
  • ▸Acceptance may be limited offline; carry a backup Visa/MC

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹6,980

Effective Rate

0.6%

Ranked #100 of 173 cards#100

₹1,000 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

Moderate Spender (₹40K/mo)

Monthly: ₹40,000 · Annual: ₹4,80,000

1.33%
Effective Return
other: ₹10,000/modining: ₹8,000/motravel: ₹10,000/moshopping: ₹12,000/mo
Annual Rewards Value₹6,400
After Fee (₹1,000)+₹5,400

Base 4 RP/₹150. Use SmartBuy to push effective value higher.

🔄 Redemption Pathways - Value per Point

MethodValue
Airmile TransferBEST₹0.50/pt
SmartBuy Flights₹0.50/pt

🏷️ Best For

milestraveldining