HDFC Bank Diners Club Miles Credit Card is a premium travel card with a best-in-class air miles program. It has an annual fee of Rs 1000 along with a 3.49% interest rate with easy waiver conditions and is best suited for frequent travelers. This card has an excellent reward program with top-notch privileges and utmost luxury. Enjoy joining benefits, complimentary lounge access, concierge service, miles exchanges with leading airlines and more.
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HDFC Bank Diners Club Miles is one of the best-looking cards with an elegant design along with golden printed numbers. It is a great card that comes with a 2.6% reward rate when redeemed for AirMiles/Hotel points.
Required Documents for Identity Proof |
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Required Documents for Address Proof |
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Required Documents for Income Proof |
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Other Documents Required |
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Want to apply for the card online without any hassle? The best way to do so is by logging on to Investmentcover.com, an online marketplace for credit cards, loans and other financial products. All you need to do is share a few details online before submitting your credit card application.
Investmentcover team will send your credit card application further to HDFC BANK. The bank will first examine the details entered, the required documents, whether the applicant has good credit or not and give the nod only when it is satisfied with the investigation.
Applicants with good credit have a greater chance of approval for their credit card application. If the credit card application is approved, one can then get their credit card delivered at the address provided and pay the annual fees after first usage of the credit card.
Go through the steps below to start your credit card application and get your required credit card without any hassle:
Additionally, you can log on to the HDFC official website and get the HDFC BANK credit card application online.
Fees/Charges |
Amount |
Joining Fee |
Rs 5000 |
Annual Fee |
Rs 5000 |
Interest free period |
Up to 50 days |
Minimum replacement amount |
5% or minimum of Rs 250 |
Cash Advance Limit |
40% of credit limit |
Spend condition for waiver of annual charges (Excludes transaction for Cash on call, Balance transfer and Cash withdrawal) |
Rs 8 lakhs per year to get a waiver of next year’s annual membership fee |
Additional card fee |
Lifetime Free |
Charges on revolving credit |
1.99% per month, i.e., 23.88% annually. This can change periodically depending on spend, payback and utilization patters. The maximum interest rate, in case of default, is 3.5% per month, i.e., 42% annually |
Card issued against Fixed Deposit |
1.99% per month (23.88% annually) applicable from transaction date |
Auto EMI conversion charges (applicable on all transactions of Rs 10,000 or more done on Easy EMI credit card) |
EMI conversion will be done for a tenure of 9 months, at an ROI of 20% and processing fee of Rs 99 |
Grace days |
3 days from the payment due date on credit card accounts, where payments are not overdue. |
Cash advance charges |
2.5% of the amount withdrawn or Rs 300, whichever is higher |
Charges on overlimit account |
2.5% of overlimit amount, subject to a minimum of Rs 500 |
Payment return charges |
2% of payment amount subject to a minimum of Rs 450 |
Cash processing fee |
Rs 100 (for all card payments made by depositing in HDFC Bank branches or ATMs) |
Rewards redemption fee |
Rs 99 per redemption request |
Balance transfer processing charges |
1% of Balance Transfer amount or Rs 250, whichever is higher |
Fuel Transaction Surcharge |
Fuel Surcharge Waiver capped at Rs 1000 every billing cycle (GST applicable) on transactions between Rs 400 – Rs 5000 |
Railway ticket purchase fee |
1% of transaction amount + GST |
Priority Pass Lounge Charges |
All lounge visits within and outside India beyond the complimentary cap will be charged $27 + taxes per person per visit. All guest(s) accompanying the priority pass holder will be charged $27 + taxes. |
Reissue of lost, stolen or damaged cards |
Rs 100 |
Outstation cheque processing charge |
Cheque value up to Rs 5000 – Rs 25 fee Cheque value above Rs 5000 – Rs 50 fee |
Foreign Currency Transactions |
Bank charges cross currency markup of 2% |
Goods and Services Tax (GST) |
18% of interest and late payment charges |
Statement Balance (in Rupees) |
Late Payment Charges (in Rupees) |
Less than 100 |
Nil |
100 – 500 |
100 |
501 – 5000 |
500 |
5001 – 10,000 |
600 |
10,001 – 25,000 |
800 |
Greater than 25,000 |
950 |
Now earn various reward points and bonus reward points at a faster pace with every transaction with your HDFC Bank Diners Club Miles Credit Card. The more reward points you gain, the greater your chances become to redeem the reward points for your spends.
HDFC Bank offers a credit card rewards program called MyRewards to its credit cardholders that makes shopping a rewarding experience. Each credit card is eligible to earn reward points based on the type of the card. Reward points are awarded for expenses on the HDFC Bank credit card.
Once you have accumulated at least 500 reward points, you can redeem it from a number of options ranging across products, gift vouchers, discounts and air miles. HDFC has partnered with brands, airlines, retail stores, hotels, food outlets, and charities to provide its customers with a varied selection of rewards redemption.
These reward points can be redeemed to make several online purchases at the HDFC online website. Customers can also redeem reward points against their HDFC BANK credit card outstanding balance.
As an HDFC Regalia Credit Card holder, you can redeem your reward points for a wide range of products and gift vouchers across electronics, apparel, travel, dining and more. Download the Rewards Catalogue here.
Reward points will be earned in multiples of 150. Residual amounts or transactions below 150 will not earn reward points. Reward points are valid only for 2 years from the date of collection.
These reward points can be redeemed to make several online purchases at the HDFC website. Customers can also redeem reward points against their HDFC BANK credit card outstanding balance.
You can avail the following reward points on your HDFC Bank Diners Club Miles Credit Card:
Redeem reward points through NetBanking
Redeem reward points through Mail
Redeem reward points through Customer Service Centre
You can clear all your doubts and queries through HDFC BANK customer service. You can get access to the HDFC BANK customer service executives through the HDFC BANK helpline number, correspondence address or email id.
You can access your Accounts, Credit cards, Loans, Demat account and Investment services by calling on a single number. Please keep your Card Number and associated PIN or Customer Identification Number (customer ID) and Telephone Identification Number (TIN) ready to access your account. The phone numbers and e-mail addresses mentioned here are the only customer care number of HDFC bank, which you should use. Please do not use any other since these may put you at risk of fraud. Reporting loss of your Debit/Credit/ATM/Forex/Prepaid/Bearer card is available 24 hours on all days including Sundays and Holidays. Just call the Phone Banking number in your location.
For Ahmedabad/Bangalore/Chennai/Delhi & NCR/ Hyderabad/Kolkata/Mumbai/Pune, dial 61606161
For Chandigarh/Cochin/Indore/Jaipur/Lucknow, dial 6160616
Please put the STD code of the respective location before dialing.
HDFC Bank Customer Care Phone Banking Numbers in India |
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Ahmedabad |
079 61606161 |
Bangalore |
080 61606161 |
Chandigarh |
0172 6160616 |
Chennai |
044 61606161 |
Cochin |
0484 6160616 |
Delhi NCR |
011 61606161 |
Hyderabad |
040 61606161 |
Indore |
0731 6160616 |
Jaipur |
0141 6160616 |
Kolkata |
033 61606161 |
Lucknow |
0522 6160616 |
Mumbai |
022 61606161 |
Pune |
020 61606161 |
Call charges may be applicable as per your tariff plans with your service provider.
For any other cities, please select Phone Banking number from the list given in https://www.hdfcbank.com/personal/need-help/customer-care
Timings
Credit card related services are available 24 hours on all days, including Sundays and Bank Holidays.
For credit card related queries
You can contact HDFC Bank for queries regarding credit card on contact number 1800-266-4332 from the following cities: Agra / Ajmer / Allahabad / Bareily / Bhubaneshwar / Bokaro / Cuttack / Dhanbad / Dehradun / Erode / Guwahati / Hissar / Jammu & Srinagar / Jamshedpur / Jhansi / Jodhpur / Karnal / Kanpur / Madurai / Mangalore / Mathura /Meerut / Moradabad / Muzaffarpur / Mysore / Pali / Patiala / Patna / Rajkot / Ranchi / Rourkela / Salem / Shimla / SIliguri / Silvasa / Surat / Trichy / Udaipur / Varanasi
Grievance Cell
In case you are not satisfied with the response from any of the recent contacts with the bank, you can write to: The Manager, Grievance Cell, HDFC Bank Credit Cards Division 8, Lattice Bridge Road, Thiruvanrniyur, Chennai – 600041 or call HDFC customer care on phone number 04423625600 between 09.30am to 05.30pm Monday to Friday.
Complaints
For reporting a complaint without validating yourself, please call on the Toll-free number 1800-258-3838 (only for India). You can only call on this number between 8am – 8pm.
HDFC BANK Credit Card Postal Address
Correspondence: Manager, HDFC Bank Cards P.O. Box 8654, Thirvanmiyur, Chennai - 600 041
HDFC BANK Credit Card Email: customerservices.cards@hdfcbank.com
Get the real-time status of your HDFC Bank credit card by simply visiting the official HDFC Bank website. You just need to put your credit card application reference number, date of birth etc. and follow a few simple steps and you are done with the credit card application status. You would get to know the status, whether the application is approved, pending for approval or rejected. You can even call the customer care or the HDFC bank branch officials to check the status.
Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.
You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.
The credit limit will be determined by HDFC Bank depending on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business. Add-on card members will have the same limit as the primary cardholder.
The credit limit and cash withdrawal limit will be communicated to the cardholder at the time of card delivery and in the monthly statements. The available credit limit at the time of the statement generation is provided as part of the monthly statement.
Existing cardholders can get good credit limit by asking HDFC Bank to raise the credit limit by writing to the bank and providing financial documents declaring their income. After receiving the request of limit enhancement, HDFC Bank will check the repayment pattern, employment, business details and the new income document provided before coming to a decision of whether it will raise the credit limit or not.
A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.
This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.
In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.
At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.
HDFC Bank will send you a monthly statement showing the payments credited and the transactions debited to your account since the last statement. The bank will mail a statement of transactions in your account every month on a pre-determined date to the provided mailing address.
If the outstanding balance is less than Rs 200 and there is no further transaction pending since the last statement, then no statement will be issued by the bank.
HDFC Bank Credit Cards offers you the facility of revolving credit. You can pay only the Minimum Amount Due printed on the statement. The balance outstanding can be carried forward to subsequent statements. You can also pay the Total Amount Due or any part of the amount above the Minimum Amount Due. Such payment should be made before the Payment Due Date.
You are advised to drop local cheques well in advance of the payment due date to ensure that the payment reflects on the card account within the payment due date. Any unpaid minimum amount due of the previous statements will be added to your current Minimum Amount Due in addition to the outstanding balance exceeding your credit limit.
Payments made towards the card outstanding are acknowledged in subsequent statements. Payments received against your card outstanding will be adjusted against all taxes, fees and other charges, interest charges, cash advances and purchases in that particular order.
Bill payment towards the card account may be made in any of the following ways:
You may terminate your HDFC Bank Diners Club Miles Credit Card membership any time you wish by filling a closure form and sending it to HDFC Bank at the following address: Manager HDFC Bank Credit Cards, P.O. Box 8654, Thirvanmiyur HO, Chennai – 600041. Download the credit card closure/cancellation form here. You are also required to mention your card number, name, address and contact details in your cancellation letter. But do not mention sensitive information like your card’s CVV number and PIN number.
Along with this card, all add-on cards will also be terminated. Termination will be effective only after the receipt of the cut cards and payment of all amounts outstanding to the card account. No annual, joining or renewal fees shall be refunded on a pro-rata basis.
For credit cards issued on Fixed Deposits, the lien on the Fixed Deposit can be removed only after the entire outstanding on the card are cleared.
In case a loan is active on the credit card, it will be pre-closed and for which you will have to pay a pre-closure charge at 3% of the outstanding amount. The entire dues including the pre-closure charges are to be cleared.
You must notify the 24-hour call center immediately if your credit card has been misplaced, lost, stolen, mutilated, not received when due or if you suspect that your card is being used without your permission. If you find your card after you report it as lost, it should not be used under any circumstance. When your primary card is reported as lost, the add-on cards are rendered invalid as add-on card is an extended facility given on your primary card. Similarly, if the add-on cards are reported as lost, all the add-on cards as well as the primary card account will be rendered invalid.
In addition to notifying the HDFC Bank about the loss or theft of the card, you must also report the loss or theft of your card to the police, lodge a FIR and provide acknowledged copy of the police complaint.
You will be liable for all losses in case of misuse of the card by someone who obtained the PIN or the card with your or an additional card member’s consent.
You will be liable for all the losses if you have acted fraudulently or if you have acted without reasonable care.
You could avail an optional insurance product, at your own discretion, to cover the liability arising in the event of any fraudulent transactions on your credit card.
What is HDFC Bank Diners Club Miles Credit Card?
HDFC Bank Diners Club Miles Credit Card is a premium travel card with best-in-class air miles program that comes with 2.6% reward rate when redeemed for Air Miles/Hotel points. It has an annual fee of Rs 1000 along with 3.49% interest rate with easy waiver conditions and is best suited for frequent travelers. This card has an excellent reward program with top-notch privileges and utmost luxury. Enjoy joining benefits, complimentary lounge access, concierge service, miles exchanges with leading airlines and more.
How to apply for priority pass in HDFC Bank Diners Club Miles Credit Card?
Follow the steps to apply for priority pass in HDFC Bank Diners Club Miles Credit Card:
How to activate my HDFC Bank Diners Club Credit Card?
Follow the steps to activate your HDFC Bank Diners Club Miles Credit Card:
How to redeem HDFC Bank Diners Club Miles Credit Card reward points?
What are the benefits of HDFC Bank Diners Club Miles Credit Card?
HDFC Bank Diners Club Miles Credit Card includes many benefits like Travel benefits, Dining experience, Reward benefits which includes 4 reward points per Rs 150, Best in class redemption program which allow users to book tickets, convert reward points into air miles or redeem points against gifts. It also provides Fuel surcharge waiver, 24x7 travel concierge and special Diners Club rewards.
Can HDFC Bank Diners Club Miles Credit Card be used for international travel?
Yes, HDFC Bank Diners Club Miles Credit Card can be used for international travel and international transactions with a low currency conversion rate of 2%. You can also get International Airport Lounge Access through the Priority Pass Program.
How to change the pin for HDFC Bank Diners Club Miles Credit Card?
To change the pin for HDFC Bank Diners Club Miles Credit Card, follow the given steps:
Who can apply for HDFC Bank Diners Club Miles Credit Card?
Only Indian citizens can apply for the HDFC Bank Diners Club Miles Credit Card. Salaried applicants should be aged between 21-60 years and applicants who are self-employed should be aged between 21-65 years. Applicants must also have a good credit score. Applicants must be above 15 years of age and should be able to produce all the required documents.
Can I withdraw cash from HDFC Bank Diners Club Miles Credit Card?
Yes, you can withdraw cash from your HDFC Bank Diners Club Miles Credit Card through the Cash Advance feature. You are charged 2.5% of the transaction amount or Rs 500, whichever is higher as cash advance fee. The process to withdraw cash is same as that of a debit card. But make sure you have enough limit on your credit card before withdrawing cash.
How to use HDFC Bank Diners Club Miles Credit Card voucher?
How do I increase my HDFC Bank Diners Club Miles Credit Card limit?
You can increase your HDFC Bank Diners Club Miles Credit Card limit through the bank’s “Limit Enhancement” feature, which is available for its existing credit card users. However, only eligible customers can avail the feature. You can request for credit limit increase by contacting HDFC phone baking offices at 61606161/6160616. Your area code must be added before the mentioned number for you to get connected to your area’s customer care.
What is the billing cycle of HDFC Bank Diners Club Miles Credit Card?
The billing cycle of your HDFC Bank Diners Club Miles Credit Card is about 30 days. You also get an extra 20 days from the date of bill generation to pay off your HDFC Bank Diners Club Miles Credit Card dues.
How to check billing date and payment due date for HDFC Bank Diners Club Miles Credit Card?
There are three ways to know the billing date and the payment due date of your HDFC Bank Diners Club Miles Credit Card:
How to add-on members for HDFC Bank Diners Club Miles Credit Card?
How to cancel HDFC Bank Diners Club Miles Credit Card?
To cancel your HDFC Bank Diners Club Miles Credit Card membership, fill a closure form and send it to HDFC Bank at the following address: Manager HDFC Bank Credit Cards, P.O. Box 8654, Thirvanmiyur HO, Chennai – 600041. Along with this card, all add-on cards will also be terminated. Termination will be effective only after the receipt of the cut cards and payment of all amounts outstanding to the card account.