InterMiles HDFC Bank Diners Club Credit Card vs AU Bank LIT Credit Card

• Renewal Benefits

A. Continue the exciting journey with 10,000 InterMiles upon spending Rs. 20,000 with in first 30 days of Anniversary date

Experience savings on Flight & Hotel bookings:

A. Get Rs. 1000  Flight Discount vouchers

B. Get Rs. 2000  Hotel Discount vouchers

Do note that these Renewal benefits are only applicable on realization of membership fee

• Get 8 InterMiles on every Rs. 150 spent on retail spends
• Get 16 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com
• Get 16 InterMiles on every Rs. 150 spent on every Hotel booked via Interbook.intermiles.com
• Privileges on Etihad Airways

A. Obtain 10% discount on Etihad Airways Business Class tickets booked on http://flights.intermiles.com

B. Obtain 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com

C. Avail 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com

• Unlimited Complimentary golf games at leading courses in India and selected courses across the globe
• Unlimited complimentary Golf coaching at selected golf courses in India
• Domestic Lounge Program

A. Relax in some of the leading lounges via the Exclusive Lounge Program

B. Get Unlimited Airport lounge access to 1000+ Lounges within India

C. Get refreshments and use some of the following facilities phones, faxes, Internet and conference rooms

• 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalization cover worth Rs. 50 Lakhs
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay 
• Credit Liability Cover of up to Rs. 9 Lakh
• Zero liability on lost card
• Revolving Credit is available at an interest rate of 1.99% per month
• Avail up to 50 days of free credit period from the date of purchase
• Avail up to 3 Add-on Cards
• Save up to 25% on dining bills paid via Dineout Pay via the InterMiles HDFC Bank Diners Club Credit Card. Get 15% Dineout Discount plus Additional 10% HDFC Bank Discount

• Gain 10X or 5X reward points on all online domestic and international retail transactions
• Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
• Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
• Avail 1 Reward Point per Rs. 100 on other spends including insurance
• Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000

• Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
  a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
  b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
  c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
  d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
  
• Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
  
• Maximum cashback of Rs. 1,000 per category over a period of 30 days
  
• Avail up to 4 complimentary domestic lounge visits per 90 days
  
• Avail 3 months membership of ZEE5 
  
• Avail 3 months membership of Amazon Prime
  
• Avail 3 months membership of Cult pass Live subscription for home live workouts
  
• Zero lost-card liability 
• Credit Shield can be availed up to Rs. 1.5 lakhs

Pros

• Welcome benefits
• Obtain 10% discount on Etihad Airways Business Class tickets, 5% discount on Etihad Airways Economy Class tickets booked, and 2.5X bonus InterMiles for Etihad Airways tickets
• Golf benefits and Unlimited Airport lounge access to 1000+ Lounges within India

Cons

• Joining fee bit high
• No cashback offers
• No movie benefits

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure