All Miles Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
Users will get 3 reward points for every Rs. 150 spent. Effective cashback rate: 0.40%
1RP= Rs 0.20.
2x reward points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings. Effective cashback rate: 0.8%.
Movie Benefits
Dining Benefits
Other Benefits
Interest-free credit period of Up to 50 days.; The annual fee is waived if a user spends Rs Rs 1 Lakhs in a year.; Users can get up to 3 add-on cards for free.
Lounge Access
Fees & Charges
Joining Fee
1000/- + Taxes
Annual Fee
1000/- + Taxes
Cash Advance Fee
Cash advance fee: 2.5% or ₹ 500 whichever is higher.
Interest rate
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
Reward Redemption Fees: Rs. 99/-
दोष
High annual fee.
3.5% foreign currency markup charge on all international transactions.
No airport lounge access.
Reward System: Users will get 3 reward points for every Rs. 150 spent. 1RP= Rs 0.20. Effective cashback rate: 0.40% 2x reward points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings. Effective cashback rate: 0.8%.
Interest-free credit period of Up to 50 days.
The annual fee is waived if a user spends Rs. 1 lakh in a year.
Users can get up to 3 add-on cards for free.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Salaried employee, 21 to 60 years of age
OR
Self-employed, 21 to 65 years of age
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Go to the HDFC Bank website. Click on the "Credit Cards" tab.
Click on the "Apply for a Credit Card" button.
Select the "All Miles 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.
A HDFC Bank representative will contact you to verify your details and complete the application process.
सम्पर्क करने का विवरण
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.
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: Users will get 3 reward points for every Rs. 150 spent. 1RP= Rs 0.20. Effective cashback rate: 0.40% 2x reward points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings. Effective cashback rate: 0.8%.
Interest-free credit period of Up to 50 days.
The annual fee is waived if a user spends Rs. 1 lakh in a year.
Users can get up to 3 add-on cards for free.
High annual fee.
3.5% foreign currency markup charge on all international transactions.
No airport lounge access.
Considering the reward rate and other additional benefits that it offers, HDFC All Miles Credit Card can be considered a decent choice for frequent travelers and shopaholics as you get 2X Reward Points on hotel bookings, mobile recharges, and shopping. Although you don’t get travel benefits like complimentary airport lounge access, concierge service, etc, since it is an entry-level card, there’s not much to complain about. However, it doesn’t provide any travel benefits, so might not be a good choice for frequent travelers.
Considering the reward rate and other additional benefits that it offers, HDFC All Miles Credit Card can be considered a decent choice for frequent travelers and shopaholics as you get 2X Reward Points on hotel bookings, mobile recharges, and shopping. Although you don’t get travel benefits like complimentary airport lounge access, concierge service, etc, since it is an entry-level card, there’s not much to complain about. However, it doesn’t provide any travel benefits, so might not be a good choice for frequent travelers.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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