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InterMiles HDFC Bank Platinum Credit Card

Product Details
Credit Card Name : 

InterMiles HDFC Bank Platinum Credit Card

Bank Name :

HDFC Bank

Type :

Travel Credit Card

Interest Rate : 

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

Eligibility :

For Salaried Indian national
Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 30,000

For Self Employed Indian national
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 6 Lakhs per annum

InterMiles HDFC Bank Platinum Credit Card
Pros

1. Welcome Benefits- Customers can avail up to 3,000 Bonus InterMiles 1,500 InterMiles upon spending Rs. 3,000 with in first 30 days of card set up** 1,500 InterMiles on total retail spends of Rs.50,000 and above, within first 90 days. 

2. Customers can also avail 5% discount* on Etihad Airways Economy class tickets 

3.Lounge programs provided are - Domestic Lounge Program,  VISA Lounge Program- Avail 8 complimentary visits Per Year (2 per quarter).  MasterCard Lounge Program- Avail 8 complimentary visits (2 per quarter ). 

4. Fuel Surcharge waiver available. 

5. Zero liability on lost Card 

6. Lowest Revolving Credit 

7. Dining Benefits- Save up to 20% on dining bills paid.

Cons
  • Lower InterMiles earning rate on domestic transactions: Compared to some other travel cards, the InterMiles earning rate on domestic transactions is lower.

  • Not ideal for non-travelers: If you don't travel frequently, you may not get the full value out of this card's benefits.

  • Reward redemption complexity: Redeeming InterMiles can be slightly complex, as you need to transfer them to specific airline or hotel loyalty programs before using them.

Pros & Cons
Welcome Benefits
  • Customers can avail up to 3,000 Bonus InterMiles 1,500 InterMiles upon spending Rs. 3,000 with in first 30 days of card set up 1,500 InterMiles on total retail spends of Rs.50,000 and above, within first 90 days

Rewards System
  • Flights: 1 reward point = 1 InterMiles 

  • Hotels: 1 reward point = 0.8 

  • InterMiles Shopping: 1 reward point = 0.7 

  • InterMiles Gift cards: 1 reward point = 0.6 

  • InterMiles Other redemption options: The value of 1 reward point may vary depending on the redemption option.  

  • Effective Cashback rate= 1%

International Forex Markup

IFM- Bank Charges Cross currency mark-up of 3.5%

Welcome Benefits and Reward System
Special Features

Get a Rs. 2,000 Yatra voucher upon accumulating international spends of Rs. 1,50,000 in a year.

Eligibility Criteria

For Salaried Indian national
Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 30,000

For Self Employed Indian national
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 6 Lakhs per annum

Benefits


  • Milestone Benefit: Get a Rs. 2,000 Yatra voucher upon accumulating international spends of Rs. 1,50,000 in a year.

  • Cashback Benefit: Get 1% cashback on all international transactions (upto Rs. 1,50,000/- per year) with a maximum cashback of Rs. 1,000/- per statement cycle.

  • Up to 2 complimentary domestic lounge accesses per calendar quarter: Relax and enjoy amenities at airport lounges through the Visa Lounge Program.

  • Travel Insurance: Get complimentary travel insurance with a coverage of Rs. 2 lakh.

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 "InterMiles HDFC Bank Platinum 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
InterMiles HDFC Bank Platinum Credit Card

The InterMiles HDFC Bank Credit Card has several benefits and really exciting offers. This card will be really beneficial for the travelers as it provides complimentary lounge access, and exciting offers on hotel and flight bookings as well. Due to the offers such as InterMiles on retail transactions, dining offers, and other advantages, it can be considered a good choice. Not only this, but it provides decent welcome and renewal benefits as well. Along with this it is also affordable and is a good option for travel enthusiasts.

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/ Renewal Membership Fee – Rs. 1,000/- + Applicable 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 waiver at all fuel stations across India. ​​​​​​​(on minimum transaction of ₹400, Waiver capped at ₹250 every billing cycle.)

Billing Cycle

30 Days

Fees & Charges
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