InterMiles HDFC Bank Diners Club
Cancel₹5,000 for the best InterMiles card there was — and then HDFC switched it off.
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 ₹40,000 a month
At ₹40,000 a month — ₹4,80,000 a year — on the everyday mix this card returns ₹5,100 gross (earn ₹5,100) against its ₹5,000 fee = ₹100 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 #747
Why #747 The top of a ladder that no longer exists. HDFC switched off every product feature on the InterMiles cards on 15 December 2024 and migrated the last holders a month earlier — this is a record of what a ₹5,000 airline co-brand used to buy, not a card anyone can use.
The take
This was the flagship of HDFC's three-card InterMiles ladder, the successor to the JetPrivilege line, and while it lived it was one of the more generous Indian airline co-brands: a large accrual on retail spends, double that on flights and hotels booked through the InterMiles portal, a further multiplier on SmartBuy and weekend dining, ₹2,000 of flight vouchers and ₹3,000 of hotel vouchers in year one, complimentary InterMiles Gold membership, Ola, BookMyShow and TataCliQ vouchers at ₹80,000 of monthly spend, and a first-90-days bonus ladder worth 25,000 InterMiles. None of it is live. HDFC migrated holders off the InterMiles cards in three waves — January and February 2023, December 2023 and November 2024 — each with thirty days' notice, and then switched off every product feature on 15 December 2024. Two things a former holder should know. InterMiles already credited to an InterMiles account cannot be converted back into HDFC Reward Points, so the balance stays where it is and has to be spent inside InterMiles. And the accrual had already been capped before the end: from 1 January 2023 rent transactions carried a 1% fee from the second of the month, DCC carried a 1% mark-up, and grocery accrual was limited to 1,000 points a month. The card is carried here so that a search for it lands on the facts.
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
₹5,000/yr at stake · 5 spend bands
The charge ₹5,000/yr
Break-even ₹40,000 a month — ₹4,80,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,800 a year, net of the fee, at ₹3,00,000 of annual spend
₹1,400 a year, net of the fee, at ₹6,00,000 of annual spend
₹7,800 a year, net of the fee, at ₹12,00,000 of annual spend
₹33,400 a year, net of the fee, at ₹36,00,000 of annual spend
₹59,000 a year, net of the fee, at ₹60,00,000 of annual spend
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
- 1 Sep 2026 SmartBuy moves Amazon Pay gift cards to 1X under Insta Deals issuer-wide
- 1 Jul 2026 HDFC caps SmartBuy brand-voucher rewards issuer-wide
- 15 May 2026 HDFC lifts its DCC markup to 1.75% across the card range issuer-wide
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
- While live: ₹2,000 of flight vouchers and ₹3,000 of hotel vouchers in the first year
- While live: complimentary InterMiles Gold membership for year one
- While live: a first-90-days bonus ladder worth up to 25,000 InterMiles
- While live: Ola, BookMyShow and TataCliQ vouchers at ₹80,000 of monthly spend
- 2,500 Reward Points on card activation and on each renewal
Watch out
- PHASED OUT — HDFC discontinued all product features on 15 December 2024 and migrated every holder
- InterMiles already credited to an InterMiles account cannot be converted back to HDFC Reward Points
- No fee waiver was ever published on either of the card's pages, and it has no Key Fact Statement row
- Accrual was capped before the end: grocery at 1,000 points a month from 1 January 2023
- Rent carried a 1% fee from the second transaction of a calendar month, and DCC a 1% mark-up
- Renewal benefits were released only on realisation of the membership fee — waive the fee, lose the benefit
- Cash advances, fuel, fees and charges never accrued InterMiles; EasyEMI and e-wallet loads did not either
- InterMiles accrued were REVERSED if a retail transaction was later converted to SmartEMI
What these points actually fly
No live transfer route takes InterMiles into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
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, and there is nothing equivalent. HDFC's own words: "Intermiles card is phased out and we have migrated the existing cardholders to other HDFC bank credit card in a phase wise manner… effective 15th Dec'24, bank had discontinued all the product features on your Intermiles credit card." Holders were moved in three waves with thirty days' notice each — January/February 2023, December 2023 and November 2024. Any InterMiles balance sits in the holder's InterMiles account and cannot be converted back into HDFC Reward Points.
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.
- 1 Sept 2026SmartBuy moves Amazon Pay gift cards to 1X under Insta DealsAmazon Pay Gift Voucher sat in SmartBuy's accelerated tier — 'up to 5X Reward Points or 5% cashback' → 'Insta Deals: 1 % Instant Discount + 1X Reward Points' — this brand is out of the accelerated tier
The most-farmed HDFC voucher route stopped being a points play. SmartBuy's own voucher storefront now shows the Amazon Pay Gift Voucher under a new "Insta Deals" tile reading "1 % Instant Discount + 1X Reward Points", and the page's own description flipped from "up to 5X Reward Points or 5% cashback" to "up to 1X". The comparison that settles it sits on the same storefront: the Amazon Fresh voucher still carries an "Accelerated Rewards — Upto 5X Reward Points RPs / 5% Cashback" block that the Amazon Pay page no longer has, so this is one brand leaving the accelerated tier, not the tier closing. The date, honestly: the Insta Deals offer ("Flat 1% OFF", ₹10,000 monthly limit) was already live in the page's own data on 31 August 2026, the reward line still read 5X in the 1 September 16:26 UTC archive capture, and read 1X when this desk fetched the page on 2 September — so 1 September is the community's effective date sitting inside a window we can bracket from primary captures, not a figure HDFC published. The bank has announced nothing and no SmartBuy page carries a notice. Two pieces of context for the size of it: brand vouchers were already sub-capped at 3,000 accelerated points a month from 1 July 2026, and Amazon Pay vouchers disappeared from the portal entirely for stretches of July and August before returning in this shape. Flipkart and Amazon Fresh vouchers still pay the accelerated rate; the ₹10,000-a-month Amazon Pay lane now pays base earn plus the 1% instant discount.
- 18 Aug 2026The Harley-Davidson Diners Club drops out of HDFC's bank-wide MITC
- 6 Aug 2026HDFC caps Regalia Gold miles transfers at 50,000 points a month
- 25 Jul 2026HDFC switches on 22 transfer partners for BizPower
- 16 Jul 2026Regalia Gold's cash-out rate quietly drops to ₹0.15
- 1 Jul 2026HDFC caps SmartBuy brand-voucher rewards
- 1 Jul 2026Regalia Gold's domestic lounge access goes spend-gated
- 1 Jul 2026Diners Club Privilege ties its lounge vouchers to prior-quarter spend
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