InterMiles HDFC Bank Diners Club Credit Card vs IDFC FIRST Classic 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

• The FIRST Classic Credit Card is now powered for UPI
• Limited Period Offer: 100% cashback up to Rs. 200, i.e. Rs. 50 each on first 4 UPI transactions
• Up to 3X reward points on all UPI spends
• 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on birthdays
• 3X Reward Points on online and offline purchases for spends up to Rs. 20,000 per month
• Unlimited Reward points that don’t expire
• Use the Reward points to instantly pay for online or in-store purchases
• 1X Reward Points on Insurance premium payments and Utility bill payments
• 1X = 1 Reward point per Rs. 150 spent
• Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
• 4 complimentary Railway lounge visits per quarter
• Complimentary Roadside Assistance worth Rs. 1,399
• Fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 200/month. This is applicable only on transactions done between Rs. 200 & Rs. 5000
• Enjoy 300+ Merchant offers all year long
• Get up to 20% discount at 1500+ restaurants
• Up to 15% discount at 3000+ Health & Wellness outlets
• Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
• Convert all transactions above Rs. 2,500 into easy & convenient EMIs from the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from the other bank credit cards with IDFC Bank's balance transfer privilege

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

• 10X Rewards on all spends done on your Birthday
• Reward points will never expire
• Free Road Side Assistance(RSA) worth Rs. 1,399

Cons

• No milestone benefits
• Airport Lounge access limited, depends on the bank’s current offers
• Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers