The HDFC InterMiles Signature Credit Card is a premium travel card designed for frequent flyers who want to maximize their travel rewards. With a range of benefits including InterMiles earnings, complimentary lounge access, and discounts on flights and hotels, this card is ideal for those who frequently book travel through the InterMiles platform. Here, we explore the key features and benefits of the HDFC InterMiles Signature Credit Card.
Overview
| Feature | Details |
|---|---|
| Card Type | Travel Credit Card |
| Reward Rate | Up to 12 InterMiles per ₹150 spent |
| Reward Value | 1 InterMile = ₹0.50 (approx.) |
| Annual Fee | ₹2,500 + GST |
| Unique Selling Points | Complimentary Priority Pass, discounts on Etihad Airways, milestone rewards |
| Rating (out of 5) | 4.5 |
Table of Contents
Welcome Benefits for HDFC InterMiles Signature Credit Card
| Welcome Benefit | Details |
|---|---|
| Bonus InterMiles | 3,000 InterMiles on spending ₹6,000 within 30 days of activation |
| Additional Benefits | Complimentary InterMiles Silver Membership |
Charges for HDFC InterMiles Signature Credit Card
| Fee Type | Details |
|---|---|
| Joining Fee | ₹2,500 + GST |
| Renewal Fee | ₹2,500 + GST (waived on spending ₹3 lakh annually) |
| Finance Charges | 3.6% per month (43.8% per annum) |
| Late Payment Fee | ₹100 to ₹1,300 based on the outstanding balance |
| Foreign Transaction Fee | 2% + GST |
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No additional charges |
Membership Benefits of HDFC InterMiles Signature Credit Card
The HDFC InterMiles Signature Credit Card offers various benefits:
- Travel Benefits: Complimentary Priority Pass membership with up to 5 free international lounge visits per year.
- Dining and Entertainment: Up to 35% discount on dining through Dineout Passport, with additional benefits like 1+1 buffet offers at premium restaurants.
- Insurance Coverage: Zero liability on lost or stolen cards, provided the card is reported lost immediately.
- Fuel Surcharge Waiver: 1% waiver on fuel surcharge at all fuel stations in India, capped at ₹500 per billing cycle.
Rewards from HDFC InterMiles Signature Credit Card
| Spend Category | Reward Rate |
|---|---|
| Retail Spends | 6 InterMiles per ₹150 spent |
| Flight & Hotel Bookings | 12 InterMiles per ₹150 spent via InterMiles website |
| Reward Value | 1 InterMile = ₹0.50 (approx.) |
| Rewards Expire in | 3 years |
Milestone Benefits of HDFC InterMiles Signature Credit Card
| Spending Milestone | Reward Earned |
|---|---|
| ₹90,000 in the first 90 days | 5,000 InterMiles |
Redemption of Points
InterMiles can be redeemed for:
- Flight and Hotel Bookings: Through the InterMiles website, with added benefits for Etihad Airways bookings.
- Upgrades and Discounts: Avail discounts on Etihad Airways and other partner airlines.
Gift Vouchers Available
| Category | Brands |
|---|---|
| Shopping | Myntra, Amazon, Pantaloons, Levi’s, Lifestyle, Shoppers Stop |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Oberoi Hotels, Taj Hotels, ITC Hotels |
| Cabs | Uber, Ola |
| Airline | Vistara, IndiGo, SpiceJet |
Airport Lounge Access with HDFC InterMiles Signature Credit Card
| Access Type | Details |
|---|---|
| Domestic Lounges | 16 complimentary visits per year |
| International Lounges | 5 complimentary visits per year through Priority Pass |
| Add-on Cardholder Benefits | Same as primary cardholder |
Airport Transfers
This card does not offer specific airport transfer benefits.
Forex Markup Fee for HDFC InterMiles Signature Credit Card
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 2% + GST on all international transactions |
Eligibility for HDFC InterMiles Signature Credit Card
To apply for the HDFC InterMiles Signature Credit Card, applicants must meet the following criteria:
- Age: 21 to 60 years for salaried individuals, 21 to 65 years for self-employed individuals
- Income: Minimum ₹90,000 per month for salaried applicants; ₹12 lakh per annum for self-employed applicants
- Documents Required: Aadhar Card, PAN Card, proof of income (latest salary slips, bank statements, or ITR), and residence proof.
Card Review: HDFC InterMiles Signature Credit Card
The HDFC InterMiles Signature Credit Card is ideal for frequent travelers who primarily book flights and hotels through the InterMiles platform. With generous rewards, milestone benefits, and complimentary lounge access, it provides significant value for those who prefer the InterMiles ecosystem.
Rating: 4.5
- Overall Rating: 4.5
- Benefits: 4.7
- Fees: 4.2
- Customer Service: 4.3
Pros and Cons of HDFC InterMiles Signature Credit Card
Advantages:
- High rewards on InterMiles spends
- Complimentary Priority Pass membership
- Affordable annual fee with potential waiver
Drawbacks:
- Rewards limited to InterMiles platform
- No specific airport transfer benefits
Similar Cards to HDFC InterMiles Signature
| Feature | HDFC InterMiles Signature Credit Card | Air India SBI Signature Credit Card | Standard Chartered Emirates World Credit Card | Kotak IndiGo 6E Rewards XL Credit Card |
|---|---|---|---|---|
| Annual Fee | ₹2,500 + GST | ₹4,999 + GST | ₹3,000 + GST | ₹2,500 + GST |
| Lounge Access | 16 domestic, 5 international | 8 international, 2 domestic | 6 international, 8 domestic | 8 domestic lounges |
| Reward Rate | 6 InterMiles per ₹150 spent | Up to 30 reward points per ₹100 | Up to 30 Skyward Miles per ₹100 | Up to 6% on IndiGo spends |
| Reward Value | 1 point = ₹0.50 | 1 point = ₹0.25 | 1 mile = ₹0.50 | 1 point = ₹1 |
| Special Benefits | InterMiles Silver Membership, Priority Pass | Air India rewards, priority check-in | Emirates rewards, golf benefits | IndiGo flight rewards, golf benefits |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
- Best Travel Credit Cards in India
- How to Maximize Credit Card Rewards
- HDFC Bank Credit Cards Overview
For more detailed information about HDFC Bank credit cards and other financial products, you can visit the official HDFC Bank website.
FAQ
Q: What is the annual fee for the HDFC InterMiles Signature Credit Card?
A: The annual fee for the HDFC InterMiles Signature Credit Card is ₹2,500 + GST, with a waiver available on spending ₹3 lakh annually.
Q: How can I earn InterMiles with the HDFC InterMiles Signature Credit Card?
A: You can earn up to 12 InterMiles per ₹150 spent on flight and hotel bookings made through the InterMiles website.
Q: How can I redeem InterMiles earned with the HDFC InterMiles Signature Credit Card? A: InterMiles earned with the HDFC InterMiles Signature Credit Card can be redeemed for booking flights, hotel stays, and other travel-related services through the InterMiles website. You can also use them for upgrades, dining, and shopping vouchers, or even convert them into air miles with partner airlines.
Q: Does the HDFC InterMiles Signature Credit Card offer any special benefits for Etihad Airways? A: Yes, the HDFC InterMiles Signature Credit Card offers a 5% discount on Etihad Airways Economy Class tickets and a 10% discount on Business Class tickets booked through the InterMiles website.
Q: What milestone benefits are available with the HDFC InterMiles Signature Credit Card? A: You can earn 5,000 bonus InterMiles by spending ₹90,000 or more within the first 90 days of card activation.
Q: Is the HDFC InterMiles Signature Credit Card suitable for frequent travelers? A: Yes, the card is ideal for frequent travelers, especially those who prefer booking through the InterMiles platform, thanks to its high reward rates, complimentary lounge access, and extensive travel-related benefits.
