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InterMiles HDFC Bank Signature Credit Card

Product Details
Credit Card Name : 

InterMiles HDFC Bank Signature Credit Card

Bank Name :

HDFC Bank

Type :

Travel Credit Card

Interest Rate : 

3.6% per month. 43.20% p.a.

Eligibility :

For Salaried Indian national
Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 90,000

For Self Employed Indian national
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 12 Lakhs per annum

InterMiles HDFC Bank Signature Credit Card
Pros
  • Welcome Benefits- InterMiles Silver membership by default for the first year. 

  • Travel benefits- Avail a 5% discount* on Etihad Airways Economy Class tickets. Avail 10% discount* on Etihad Airways Business Class tickets, and Earn 2.5X bonus InterMiles for Etihad Airways tickets  

  • Customers can avail 16 complimentary visits Per Year (4 per quarter) when they travel. 

  • Customers can get priority pass membership which provides preferential access to more than 600 airport lounges around the world, no matter which airline or class users fly. The Primary Cardholder can enjoy up to 5 free visits to the International Lounges every year. 

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

  • Customers can earn 6 InterMiles on every Rs. 150 spent on retail spends, and earn 12 InterMiles on every Rs. 150 spent on every flight ticket booked on http://flights.intermiles.com

Cons
  • High joining fees is levied upon the customers

Pros & Cons
Welcome Benefits
  • InterMiles Silver membership by default for the first year. 

  • 3,000 InterMiles upon spending Rs. 6,000 with in first 30 days of card set up** 5,000 InterMiles on total retail spends of Rs.90,000 and above, within first 90 days.

Rewards System
  • 1 InterMiles is equal to 0.0125 air miles.  

  • Customers get 2 InterMiles per Rs. 100 spent.   

  • You earn 8 InterMiles on every Rs. 150 spent on retail spends. 

  • You earn 16 InterMiles on every Rs. 150 spent on every Hotel booked Interbook.intermiles.com. 

  • You earn 2 InterMiles on every Rs. 150 spent on fuel. 

  • You earn 1 InterMiles on every Rs. 150 spent on dining, movies, and airport lounges.  

  • Effective Cashback rate = 2%

International Forex Markup

IFM- 3.5%

Welcome Benefits and Reward System
Special Features

3 Lounge programs available-  

  • Domestic lounge program 

  • Visa lounge program and  

  • MasterCard Lounge program

Eligibility Criteria

For Salaried Indian national
Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 90,000

For Self Employed Indian national
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 12 Lakhs per annum

Benefits


  • Welcome Benefits- InterMiles Silver membership by default for the first year. 

  • Travel benefits- Avail 5% discount* on Etihad Airways Economy Class tickets. Avail 10% discount* on Etihad Airways Business Class tickets, and Earn 2.5X bonus InterMiles for Etihad Airways tickets  

  • Various lounge benefits including- Domestic Lounge Program VISA Lounge Program- Avail 16 complimentary visits Per Year (4 per quarter) when you travel. MasterCard Lounge Program- Avail 16 complimentary visits (4 per quarter) when you travel. 

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

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 Signature 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. 

  • An 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 Signature Credit Card

The InterMiles HDFC Bank Signature credit card has several advantages with really exciting travel benefits. So, it can be best suited for people who travel frequently, but traveling benefits are not the only benefits that the card provides. Due to its exclusive reward offers, dining benefits, travel benefits, and other advantages, it can be considered a good credit card choice. However, the only drawback is its high annual fees. Overall the card is a great option for all types of users.

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. 2500/- + 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 ₹500 every billing cycle.)

Billing Cycle

30 Days

Fees & Charges
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