Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Intermiles Diners Club
HDFC Bank
Earns more
4Airport lounge access
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Visit limits and reset periods
All visits exceeding the complimentary limit will be charged at the prevailing lounge rate inclusive of taxes.These charges will be billed on your subsequent statement within 60 days of date of visit. C urrency conversion rate is applicable as on the date of settlement source ↗
Lounge Access the representative text of the English version of the Most Important Terms and Conditions. Priority Pass - Charge of $27 + taxes, will be applicable on all the lounge visits exceeding the The Cardmember agrees and acknowledges complimentary cap. that in the event of any inconsistency between Complimentary priority pass membership the texts in English and regional languages of for Primary and add-on card holders with the Most Important Terms and Conditions, the unlimited lounge access for priority pass card text in English shall prevail and shall be binding holder. on the Cardmember. source ↗
Telephone facilities (where available) will be at the discretion of each lounge operator. Free usage is usually limited to local calls only. R efer to the individual lounge details. We are not responsible for any charges that you may incur when using telephone facilities in a participating lounge. source ↗
Spend and eligibility
We cannot be held responsible for any disputes that may occur between you and/ or any guests and a lounge operator, which are not in relation to the S ervice. All disputes must be settled directly with the lounge in question. source ↗
Discrepancies relating to the number of guests stated cannot be settled once you have left the lounge.
Airline, airport and other travel industry employees travelling on reduced-rate tickets may not be eligible for the airport lounge access service. We reserve the right to refuse membership to people who are employed by or contracted to an airline, airport or a Government in respect of airline or airport security. source ↗
How to enter
All lounge fee related charges can be validated with the lounges only within 60 days from the statement generated date. source ↗
Any guests accompanying you must be able to present a valid flight ticket and boarding pass for the same day of travel to gain entry to a participating lounge. source ↗
Primary, add-on and guests
All participating lounges are owned and operated by third party organizations. You and your guests must abide by the rules and policies of each participating lounge and any terms and conditions set out by a particular lounge, which are available, directly from the lounge. We have no control over, nor responsibility for, the facilities offered, the opening/ closing times or the personnel employed by the participating lounges. source ↗
The number of guests that you may bring with you is at the discretion of each lounge operator and some lounges may not admit children. source ↗
Any accompanying children (where permitted) will be subject to the full guest fee, unless otherwise stated in the lounge listing.
Validity and timing
Access to participating lounges may be restricted due to space constraints but this will be at the discretion of each individual lounge operator. S ome lounges may reserve the right to enforce a maximum stay policy (which is usually 3-4 hours) to prevent overcrowding. This is at source ↗
Where access works
We will do our best to ensure that the benefits and facilities of participating lounges are available as advertised, but we cannot guarantee availability at the time of your visit.
Charges and exclusions
Rs.2 + GS T will be applicable as Card validation charges for the lounge which will not be reversed. source ↗
Please note that the lounge operator may charge you for using some of their facilities we are not responsible for any such charges that you may incur. source ↗
the discretion of the individual lounge operator who may impose a charge for extended stays. We are not responsible for any such charges that you may incur. source ↗
Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.
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Points
Make the most of this card
Use the bonus earning channel
Up to 10X reward points on select partner platforms like SmartBuy and weekend dining.
Plan for a spend milestone
Only valid Retail spends are considered for the program and posting of the Reward Points would be at the discretion of the Bank. • Posting of Bonus Reward points is a fully automated process and the bonus RP will be posted within 2 days of the milestone achievement by the customer. The same will reflect inthe next monthly statement as well. • Reward points are valid only for 2 years from the date of accumulation. • Card Holder/s whose account has been classified as delinquent before or during the periodof the Program, or when the Reward Point is to be posted, will not be eligible for the RewardPoint under this offer.
Benefits
5Earns, up to a limit
1The normal rate, until a ceiling in the terms.
Earns nothing
9Spend here and the terms say you earn no rewards.
Earns the normal rate
1Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.