InterMiles HDFC Bank Signature Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits- InterMiles Silver membership by default for the first year and 3,000 InterMiles upon spending Rs 6,000 within the first 30 days of card set up or 5,000 InterMiles on total retail spends of Rs 90,000 and above, within the first 90 days.
Milestone Benefits
Cashback Rate
The value of 1 InterMiles is equal to 0.0125 air miles.
Customers get 2 InterMiles per Rs. 100 spent. Effective cashback rate: 0.025%.
8 InterMiles on every Rs. 150 spent on retail spends. Effective cashback rate: 0.066%.
16 InterMiles on every Rs. 150 spent on every Hotel booked Interbook.intermiles.com. Effective cashback rate: 0.133%.
2 InterMiles on every Rs. 150 spent on fuel. Effective cashback rate: 0.016%.
1 InterMiles on every Rs. 150 spent on dining, movies, and airport lounges. Effective cashback rate: 0.0083%.
Movie Benefits
Dining Benefits
Users can save up to 20% on dining bills.
Other Benefits
Lounge Access
Customers can avail themselves of 16 complimentary visits per year (4 per quarter) when they travel.
Rewards & Benefits
Welcome Benefits
Welcome Benefits- InterMiles Silver membership by default for the first year and 3,000 InterMiles upon spending Rs 6,000 within the first 30 days of card set up or 5,000 InterMiles on total retail spends of Rs 90,000 and above, within the first 90 days.
Milestone Benefits
Cashback Rate
The value of 1 InterMiles is equal to 0.0125 air miles.
Customers get 2 InterMiles per Rs. 100 spent. Effective cashback rate: 0.025%.
8 InterMiles on every Rs. 150 spent on retail spends. Effective cashback rate: 0.066%.
16 InterMiles on every Rs. 150 spent on every Hotel booked Interbook.intermiles.com. Effective cashback rate: 0.133%.
2 InterMiles on every Rs. 150 spent on fuel. Effective cashback rate: 0.016%.
1 InterMiles on every Rs. 150 spent on dining, movies, and airport lounges. Effective cashback rate: 0.0083%.
Movie Benefits
Dining Benefits
Users can save up to 20% on dining bills.
Other Benefits
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Lounge Access
Customers can avail themselves of 16 complimentary visits per year (4 per quarter) when they travel.
Fees & Charges
Joining Fee
Rs. 2500/- + Applicable Taxes.
Annual Fee
Nil
Cash Advance Fee
Cash advance fee: 2.5% or ₹ 500 whichever is higher.
Interest rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Joining/ Renewal Membership Fee – Rs. 2500/- + Applicable Taxes. | Reward Redemption Fees: Rs. 99/-
Fees & Charges
Joining Fee
Rs. 2500/- + Applicable Taxes.
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Joining/ Renewal Membership Fee – Rs. 2500/- + Applicable Taxes. | Reward Redemption Fees: Rs. 99/-
Special Features
Domestic lounge program.
Visa lounge program.
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
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
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai