InterMiles HDFC Bank Signature Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Fees & Charges
Joining Fee
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Annual Fee
annual fee reversal on spending inr 1,00,000 on the card.
Cash Advance Fee
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Interest rate
0
Late Payment Fee
8
Foreign Currency Transactions Fee
Other Fees
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
High joining fees is levied upon the customers.
Low cashback rates.
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.
Reward System: 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%.
Travel benefits: 5% discount* on Etihad Airways Economy Class tickets. 10% discount on Etihad Airways Business Class tickets, and 2.5X bonus InterMiles for Etihad Airways tickets.
Customers can avail themselves of 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 worldwide, no matter which airline or class users fly. Primary cardholders can enjoy up to 5 free visits to the international lounges every year.
Users can save up to 20% on dining bills.
Rewards & Benifits
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.
Rewards System
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%
International Forex Markup
3.5%
Welcome Benefits and Reward System
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
Benefits
Welcome benefits.
Travel benefits.
Airport lounge benefits.
Dining benefits
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
Recommended Credit Cards
Pros:-
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Cons:-
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.
Reward System: 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%.
Travel benefits: 5% discount* on Etihad Airways Economy Class tickets. 10% discount on Etihad Airways Business Class tickets, and 2.5X bonus InterMiles for Etihad Airways tickets.
Customers can avail themselves of 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 worldwide, no matter which airline or class users fly. Primary cardholders can enjoy up to 5 free visits to the international lounges every year.
Users can save up to 20% on dining bills.
High joining fees is levied upon the customers.
Low cashback rates.
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.
InterMiles HDFC Bank Signature Credit Card
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