HDFC Bank Diners Club Miles
KeepOne point, one mile, ₹1,000 a year — and HDFC stopped selling it.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹5,000 a month
At ₹5,000 a month — ₹60,000 a year — on the everyday mix this card returns ₹1,200 gross (earn ₹1,200) against its ₹1,000 fee = ₹200 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #740
Why #740 The one withdrawn HDFC card whose points still leave at parity: 1 Reward Point = 1 AirMile, on a ₹1,000 fee that waives at ₹1 lakh. That is a 2% travel rate — better than any live HDFC card at the price — which is precisely why HDFC stopped selling it.
The AirMiles line is what makes this card: HDFC publishes "Earn 1 mile per Reward Point" and its redemption table prints "Airmiles conversion — 1.0 airmile". Every other exit is worse — ₹0.50 on SmartBuy flights and hotels, up to ₹0.35 on the products catalogue, up to ₹0.20 as cashback — so a holder who takes the statement credit is getting a fifth of the card. Points pay at most 70% of a booking, accrual caps at 50,000 in a statement cycle, and a closed card's balance survives 30 days for products and vouchers only.
The take
Read one line on this card's page and the rest follows: "Earn 1 mile per Reward Point." HDFC's own redemption table backs it at 1.0 AirMile a point, and at four Reward Points per ₹200 that is a straight 2% in miles on a card that costs ₹1,000 and waives the fee at ₹1 lakh of annual spend. No live HDFC card at that price does anything close. Everything else is secondary but not nothing: six complimentary lounge visits a year, a concierge, 15% off at premium restaurants with 1,400-plus dining offers worldwide, ₹1 crore of air accident cover, ₹25 lakh of emergency medical cover and ₹9 lakh of credit liability cover. Three cautions. First, the mile is the only good exit — take the same points as statement credit and they are worth ₹0.20 apiece, a fifth of the headline, and SmartBuy travel pays ₹0.50. Second, HDFC has posted a change notice effective 15 May 2026 covering this card, which is where the ₹200 accrual divisor comes from and which a holder should read in full before assuming the 1:1 conversion is permanent. Third, spend abroad and you pay the full Indian norm: HDFC's Key Fact Statement prices this card's block at a 3.50% foreign-currency mark-up, and Dynamic Currency Conversion adds 1.75% on top of that if you let a foreign terminal bill you in rupees. The card itself is gone: sourcing stopped, no new applications. If you hold one and you fly, it is among the best legacy cards in India for the money.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹1,000/yr at stake · 5 spend bands
The charge ₹1,000/yr
The waiver ₹1,00,000 of spend in the year before renewal — about ₹8,333 a month — and the renewal fee is not charged.
Break-even ₹5,000 a month — ₹60,000 a year — is where this card's value crosses its fee.
At your spend
₹6,000 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹12,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹24,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹72,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,20,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
HDFC Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 15 Sep 2026 Wyndham splits its three flat free-night tiers into four a program these points reach
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 1 Reward Point converts to 1 AirMile — parity, and the reason this card is worth keeping
- 4 Reward Points per ₹200 on all retail spends — an effective 2% in miles
- 6 complimentary airport lounge visits a year, plus a concierge service
- 15% off at premium restaurants and 1,400+ dining offers worldwide
- ₹1,000 renewal fee waived at ₹1 lakh of annual spend
- ₹1 crore air accident cover, ₹25 lakh emergency medical cover, ₹9 lakh credit liability cover
Watch out
- Withdrawn — HDFC states "Sourcing of this Credit Card has been stopped" and takes no new applications
- The 1:1 mile is the ONLY good exit: cashback pays ₹0.20 a point and SmartBuy travel ₹0.50
- Reward Point accrual is capped at 50,000 in a statement cycle
- Points pay at most 70% of a flight or hotel booking
- Rent and government payments have earned nothing since 1 January 2023
- HDFC has posted a change notice effective 15 May 2026 — read it before relying on the conversion rate
- Diners Club acceptance is thinner than Visa or Mastercard, in India and abroad
- Close the card and the points survive 30 days, for products and vouchers only
- 3.5% foreign-currency mark-up — India's norm, and no discount at all on a card whose points buy air miles
- Dynamic Currency Conversion adds a further 1.75% from 15 May 2026 — decline the rupee price at a foreign terminal
What these points actually fly
HDFC Reward Points move to Avianca LifeMiles , Air France-KLM Flying Blue , Etihad Guest , United MileagePlus , Air India Maharaja Points , AirAsia Rewards , SpiceJet SpiceClub , Accor Live Limitless (ALL) , Marriott Bonvoy , Club ITC , IHG One Rewards , Radisson Rewards and Wyndham Rewards — and those price every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,00,000 a year is the bar that waives the ₹1,000 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. HDFC Bank states what the HDFC Bank Diners Club Miles earns, but has not published which spend categories count toward the fee waiver — the ₹1,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
91 of 793 tracked doors
Opens 91 of 793 tracked lounge doors across 63 airports , via Diners Club — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. HDFC prints "Sourcing of this Credit Card has been stopped. Existing customers of this card will continue to enjoy the benefits", and its FAQ adds "We are currently not accepting new applications for the HDFC Bank Diners Club Miles Credit Card." Existing holders keep it. Nothing HDFC currently sells replaces the 1:1 mile at ₹1,000.
HDFC Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 15 Sept 2026Wyndham splits its three flat free-night tiers into four
- 8 Sept 2026Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product
- 1 Sept 2026SmartBuy moves Amazon Pay gift cards to 1X under Insta Deals
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years
Every HDFC Bank change we've dated → 37 events since 2001, 23 of them nerfs — worst year 2026.
Verified against HDFC Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Diners Club Miles product page — the sourcing-stopped notice, the 1-mile-per-point conversion, the 4-per-₹200 accrual, six lounge visits a year and the ₹1 lakh waiver
- official HDFC's 15 May 2026 rewards, fees and charges update — the revised accrual table that sets "Diners Clubmiles" at 4 Reward Points per ₹200
- official HDFC Bank Key Fact Statement cum MITC v4.6, updated 18 August 2026 — the 3.50% foreign-currency mark-up, the ₹1,000 fee and the ₹1 lakh annual waiver for this card
- official Fees and charges — ₹1,000 joining and renewal, waived on ₹1 lakh of annual spend