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All Miles Credit Card

Product Details
Credit Card Name : 

All Miles Credit Card

Bank Name :


Type :

Travel Credit Card

Interest Rate : 

3.60% p.m. 43.20% p.a.

Eligibility :

Salaried employee, 21 to 60 years of age
Self-employed, 21 to 65 years of age

All Miles Credit Card
  • Earn 3 reward points per Rs. 150 spent: This is a good rate compared to other travel credit cards in India.

  • Get 2X reward points on hotel bookings, mobile recharge & shopping: This can help you rack up points quickly on everyday expenses.

  • Interest-free credit period: Up to 50 days of interest-free credit period can help you manage your finances better.

  • Annual fee waiver: The annual fee is waived off if you spend Rs. 1 lakh in a year.

  • Reward points redemption: You can redeem your points for a wide range of travel and lifestyle rewards, including flight tickets, hotel stays, merchandise, and more.

  • Add-on cards: You can get up to 3 add-on cards for free.

  • Global acceptance: The card is accepted worldwide, so you can use it for your international travels.

  • High annual fee: If you don't spend Rs. 1 lakh in a year, you will have to pay an annual fee of Rs. 1,250.

  • Foreign currency markup: There is a 3.5% foreign currency markup charge on all international transactions.

  • Reward points conversion rate: The conversion rate for reward points to air miles is not very attractive.

  • Limited lounge access: The card only offers complimentary access to domestic airport lounges.

  • Fuel surcharge: There is a 2.5% fuel surcharge on all fuel transactions.

Pros & Cons
Welcome Benefits


Rewards System
  • Customers can get 3 Reward Points for every Rs. 150 they spend using your HDFC Bank All Miles Credit Card.  

  • Customers get 2x Reward Points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings. 

  • 1RP= Rs 0.20  1RP for every INR 100 Spent

  • Effective Cashback Rate: 0.8%

International Forex Markup

IFM- 3.5% 

Welcome Benefits and Reward System
Special Features


Eligibility Criteria

Salaried employee, 21 to 60 years of age
Self-employed, 21 to 65 years of age

  • Earn 3 reward points per Rs. 150 spent on all transactions.

  • Get 2X reward points on hotel bookings, mobile recharge, and shopping.

  • Discounts on dining and movie tickets.

  • Extended warranty on purchases.

  • Concierge services.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the HDFC Bank website. Click on the "Credit Cards" tab. 

  • Click on the "Apply for a Credit Card" button. 

  • Select the "All Miles Credit Card" from the list of cards. 

  • Enter your personal information, such as your name, address, and income. 

  • Enter your PAN number and credit score. 

  • Click on the "Submit" button. 

  • A HDFC Bank representative will contact you to verify your details and complete the application process.

Contact Details

1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808,
or even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
HDFC Bank All Miles Credit Card

Considering the reward rate and other additional benefits that it offers, HDFC All Miles Credit Card can be considered a decent choice for frequent travelers and shopaholics as you get 2X Reward Points on hotel bookings, mobile recharges, and shopping. Although you don’t get travel benefits like complimentary airport lounge access, concierge service, etc, since it is an entry-level card, there’s not much to complain about. However, it doesn’t provide any travel benefits, so might not be a good choice for frequent travelers.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining/Annual membership Fees: 1000/- + Taxes 

  • Cash advance fee: 2.5% or ₹ 500 whichever is higher.  

  • Interest Rates: 3.60% p.m. 43.20% p.a.  

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 3.5%.   

  • Reward Redemption Fees: Rs. 99/-

Fuel Surcharge
  • 1% Fuel Surcharge waived off on fuel transactions ( Minimum transaction of INR 400, Maximum Cashback of INR 500 per statement cycle).

Billing Cycle

30 Days

Fees & Charges
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