InterMiles HDFC Bank Signature Credit Card

In today's blog will provide you the information about the InterMiles HDFC Bank Signature Credit Card, including its welcome benefit, Cashback rate, lounge benefits, and more.

The InterMiles HDFC Bank Signature Credit Card is a travel credit card made for people who fly often and use the InterMiles program. When you use this card for everyday spending or for booking flights and hotels, you earn InterMiles, which you can use later to book free flights, hotel stays, or other travel deals on the InterMiles website. The card also gives you free airport lounge access, travel insurance, discounts on dining, and savings on fuel. If you spend more, you can unlock Bonus InterMiles as well. It’s a good choice for regular travelers who want to get travel rewards while using their card for daily purchases.

What Are The Welcome Benefits Of The InterMiles HDFC Bank Signature Credit Card?

• 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.

What Is The Cashback Rate Of The InterMiles HDFC Bank Signature Credit Card?

• 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 on 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%.

What Are The Pros And Cons Of Having Of InterMiles HDFC Bank Signature Credit Card?

Pros:

• Strong InterMiles Earning

  • Earn 6 InterMiles for every INR 150 spent, and even more if you book flights or hotels through the InterMiles website for accelerated rewards.

• Welcome Bonus Offer

  • Get up to 8,000 bonus InterMiles when you activate the card, along with additional miles for early spends (e.g. 3,000 InterMiles on spending INR 6,000 within 30 days).

• Domestic & International Lounge Access

  • Enjoy up to 16 complimentary domestic lounge visits per year (4 per quarter) plus 5 international lounge visits via Priority Pass membership.

• Dining & Lifestyle Perks

  • Get up to 20% off on dining (via Dineout Pay), along with discounts on InterMiles platform bookings and exclusive offers from partner hotels and retailers.

Cons:

• Limited Redemption Flexibility

  • InterMiles earned can only be redeemed via the InterMiles platform for flights and hotels, not usable across partner airlines or other travel programs.

• Redemption Fees Apply

  • A fee of INR 99 per redemption request reduces the effective value of your miles.

• High Forex Markup & Interest Rates

  • Foreign currency transactions attract a 2% markup; if you carry a balance, monthly interest can be up to 3.6%, which adds up fast.

Fees And Charges:

• Joining Fee: Rs. 2500/- + Applicable Taxes. 

• Annual Fee: Nil

• Cash Withdrawal Fee (ATM): Cash advance fee: 2.5% or ₹ 500 whichever is higher.

• Late Payment Charges: Late Payment Charges: Less than INR 100 = Nil INR I00 to INR 500 = INR 100/- INR 501 to INR 5,000 = INR 500/- INR 5,001 to INR 10,000 = INR 600/- INR 10,001 to INR 25,000 = INR 800/- INR 25,001 to INR 50,000 = INR 1100/- More than INR 50,000 = INR 1300/-

• Interest Rate (on unpaid amount): Interest Rates: 3.60% p.m. 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

Conclusion:

The InterMiles HDFC Bank Signature Credit Card is a good choice for people who travel often and use the InterMiles platform to book flights and hotels. You earn travel points (InterMiles) on every spend, and even more when you book through InterMiles. These points can be used to book free flights or hotel stays. The card also gives you free lounge access, dining discounts, and travel insurance, which adds extra value.

However, the card is not very useful if you don’t travel much or don’t use InterMiles often. You also have to pay a fee to redeem your points, and the rewards are not as flexible as other cards that let you transfer points to multiple airlines or programs.

So, this card is best for regular travelers who like using the InterMiles platform. If you don’t travel often or prefer more flexible rewards, there are better credit card options available.

If you want to know the unbiased AI score of the InterMiles HDFC Bank Signature Credit Card and read its detailed review, click here

We have developed India's first Airline Discount Finder. Click on the link given below to find out the airline offers on your credit card. click here