InterMiles HDFC Bank Signature Credit Card – Benefits, Fees & Eligibility

InterMiles HDFC Bank Signature Credit Card

Introduction

The InterMiles HDFC Bank Signature Credit Card is a co-branded card in partnership with InterMiles.com, offering exclusive spend-based InterMiles, travel, and dining benefits. Cardholders receive complimentary airport lounge access, including 16 domestic visits and 5 international visits annually through Priority Pass, along with an exclusive Dineout Passport membership for dining discounts. With a joining fee of Rs. 2,500 + GST, the card provides welcome benefits of up to 8,000 bonus InterMiles and features like a spend-based renewal fee waiver and fuel surcharge waiver, making it well-suited for frequent travelers.

Welcome Benefits

• InterMiles Silver membership by default for the first year.
• Up to 8,000 Bonus InterMiles as welcome gift.
• 3,000 InterMiles upon spending Rs. 6,000 within the first 30 days of card setup.
• 5,000 InterMiles on total retail spends of Rs. 90,000 and above, within the first 90 days.
• Rs. 750 Flight Discount vouchers for the first year.
• Rs. 2,000 Hotel Discount vouchers for the first year.
• Welcome benefits are only applicable upon realization of the membership fee.

Fees

• Joining Fee: Rs. 2,500 + Applicable Taxes.
• Renewal Fee: Rs. 2,500 + Applicable Taxes.
• Spend-Based Waiver:
  • Renewal fee for the next year can be waived off by spending Rs. 3 lacs or more on your InterMiles HDFC Bank Signature/World Credit Card within 12 months of the Card setup date or within 12 months of Card renewal date.
  • In case of a fee waiver, the member will not receive Flight/Hotel discount vouchers.
• Rewards Redemption Fee: Rs. 99 (plus applicable taxes) on every redemption request.
• Foreign Currency Markup: 2% on all foreign currency spends.
• Interest Rates:
  • Enjoy Revolving Credit on your Credit Card at an interest rate of 3.6% per month (effective 01-09-2020).
  • This equates to 43.8% annually.
• Fuel Surcharge:
  • 1% fuel surcharge waiver at all fuel stations across India.
  • Applicable on a minimum transaction of ₹400.
  • Waiver capped at ₹500 every billing cycle.
  • GST charges on fuel surcharge are non-refundable.
• Cash Advance Charges: 2.5% of the transacted amount or Rs. 500 (whichever is higher).
• Rental Transactions Fee: 1% fee applicable on Rental transactions from the second rental transaction of the calendar month.
• DCC Transactions Mark-up: 1% mark-up applicable on DCC (Dynamic Currency Conversion) transactions.
• GST levied will not be reversed on any dispute on Fee & Charges.

Rewards

InterMiles Accrual Programme

• Earn 6 InterMiles on every Rs. 150 spent on retail purchases.
• Earn 12 InterMiles on every Rs. 150 spent on flight tickets booked on flights.intermiles.com.
• Earn 12 InterMiles on every Rs. 150 spent on hotels booked on Interbook.intermiles.com.
• Only retail purchases above Rs. 150 qualify for InterMiles.
• Cash advance, fuel transactions, fees, and other charges do not accrue any InterMiles.
• EasyEMI and e-wallet loading transactions will not accrue InterMiles.
• InterMiles accrued will be reversed if a retail transaction is converted into SmartEMI.
• InterMiles accrued for Insurance transactions will have a maximum cap of 2,000 per Day.
• Grocery capping of 1,000 Reward Points in a month.

Travel

• Domestic Lounge Access:
  • Be greeted with luxury each time you travel, with access to select lounges at airports in India with network partners.
  • Present your InterMiles HDFC Bank World / Signature Credit Card along with your Boarding Pass to access.
  • Avail 16 complimentary visits per year (4 per quarter) through the VISA Lounge Program.
  • Avail 16 complimentary visits per year (4 per quarter) through the MasterCard Lounge Program.
• International Lounge Access (Priority Pass Membership):
  • Complimentary enrolment worth $99 into the Priority Pass Programme.
  • Preferential access to more than 600 airport lounges around the world, regardless of airline or class of travel.
  • Primary Card holder can enjoy up to 5 free visits to International Lounges every year.
  • All Lounge visits within India using Priority Pass will be charged at US $27 + GST per person per visit (effective 1st Feb 2018).
  • Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST per person per visit (effective 1st Feb 2018).
  • All guest visits using Priority Pass would be charged at US $27 + GST per visit per guest.
  • Charges will be billed to your Credit Card statement usually within 90 days of the month in which you visited the lounge.
  • The dollar conversion rate will be applicable as per the prevailing rate on billing date.
  • Any lounge visits out of priority pass network will be chargeable as per the discretion of the respective lounges.
• Privileges on Etihad Airways (Applicable for all customers):
  • Avail 5% discount on Etihad Airways Economy Class tickets booked on flights.intermiles.com.
  • Avail 10% discount on Etihad Airways Business Class tickets booked on flights.intermiles.com.
  • Earn 2.5X bonus InterMiles (equivalent to 15 InterMiles on every Rs. 150 spent) for Etihad Airways tickets booked on flights.intermiles.com.

Dining

• Save up to 20% on dining bills paid through Dineout Pay via your InterMiles HDFC Bank Signature Credit Card (15% Dineout Discount + Additional 5% HDFC Bank Discount).
  • Maximum discount per transaction capped at Rs 1000.
  • Maximum discount per customer per month capped at Rs 1000.
• Exclusive Dineout Passport Membership which offers:
  • An assured discount of 25% at over 2000 premium restaurants.
  • An additional discount of 10% on using your InterMiles HDFC Signature credit card.
  • 1+1 on the buffet at more than 200 restaurants.
  • Early access to several events and festivals.
  • Overall, you get up to a 35% discount on dining when you use your InterMiles HDFC Bank Signature Credit Card.

Renewal Benefits

• Continue the exciting journey with 6,000 InterMiles upon spending over Rs. 6,000 within 30 days after card renewal.
  • An alternate source indicates 3,000 InterMiles upon spending Rs. 6,000 within the first 30 days of the Anniversary date.
• Experience savings on your Flight & Hotel bookings:
  • Rs. 750 Flight Discount vouchers.
  • Rs. 1,000 Hotel Discount vouchers.
• Renewal benefits are only applicable on realization of membership fee.

Rewards Redemption Guide

• The InterMiles earned through your InterMiles HDFC Bank Signature Credit Card can be redeemed easily on www.intermiles.com.
• InterMiles can be redeemed against flight and hotel bookings through the website intermiles.com.
• InterMiles once credited to the customer’s InterMiles account cannot be converted to Reward Points.
• A reward redemption fee of Rs. 99 (plus applicable taxes) is charged on every redemption request.

Card Eligibility Criteria

• For Salaried Indian National

  • Age: Minimum 21 years & Maximum 60 Years.
  • Net Monthly Income: Greater than Rs. 90,000.

• For Self-Employed Indian National

  • Age: Minimum 21 years & Maximum 65 Years.
  • Income: ITR (Income Tax Return) Greater than Rs. 12 Lakhs per annum.
• You are also required to have a good credit score.
• The bank may have additional internal eligibility criteria.

Documents Required

• Identity Proof: Aadhar Card, PAN Card, Voters’ Id, Passport, etc.
• Address Proof: Utility bills, Aadhar Card, PAN Card, Driving Licence, Ration Card, Passport, etc.
• Income Proof: Latest salary slips, latest bank statements, or the latest copy of ITR.

Card Review

• Overall Verdict: The InterMiles HDFC Bank Signature Credit Card has several advantages with really exciting travel benefits, making it a good credit card choice. Its exclusive reward offers, dining benefits, and other advantages make it a strong contender.
• Who Should Apply: This card is perfect for people who frequently travel as they can make a lot of savings on their flight and hotel bookings. It offers InterMiles for spends, exclusive discounts on Etihad Airways, and complimentary domestic and international airport lounge access. It is ideal if you want to save money while making flight/hotel bookings and appreciate a variety of benefits, including exclusive travel and dining perks.
• Pros:
  • InterMiles as welcome benefits and reward points.
  • Complimentary domestic and international lounge access with Priority Pass.
  • Low foreign currency markup fee of 2% of the transaction amount.
  • Exclusive Dine Out Passport membership with great dining offers.
  • Exciting welcome benefits.
• Cons:
  • InterMiles can only be used for travel bookings on the InterMiles website.
  • Other travel credit cards may offer more diverse redemption options.

Important Product Details

• Welcome benefit of up to 8,000 InterMiles.
• Earn 6 InterMiles on every spend of Rs. 150 on retail purchases.
• Earn 12 InterMiles (2x) on every spend of Rs. 150 on flight bookings on the intermiles website.
• Earn 12 InterMiles (2x) on every spend of Rs. 150 on hotel bookings on www.intermiles.com/hotels.
• Complimentary Priority Pass membership.
• 16 complimentary domestic lounge visits per year.
• 5 free visits to International lounges every year through the Priority Pass membership.
• Exclusive Dineout Passport membership.
• Renewal fee is waived off on spending Rs. 3 lacs or more in the previous year.
• 1% fuel surcharge waiver (capped at Rs. 500 per billing cycle on transactions of Rs. 400 or more).

Other Details

• Card Type: Travel and Lifestyle.
• Important Note: Presently, all customers of this credit card have been migrated to HDFC Diners Millennia Credit Card. All features of this InterMiles card have now been discontinued.
• Rewards Offering Cap: Effective 1st January, 2023, rewards offering for payments made on certain categories using InterMiles Credit Cards will be capped.
• Card Inactivity: For cards sourced starting 01-11-2020, the Bank reserves the right to cancel the Card if it remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months, after prior written notice.
• Safe & Secure Transactions: Supports DIP for Chip Cards at Chip enabled POS or swipe for non-chip POS.
• Zero Liability on Lost Card: Report immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made with your card.
• Interest-Free Credit: Avail up to 50 days of free credit period from the date of purchase (subject to the submission of the charge by the Merchant).
• Add-on Cards: You can avail up to 3 Add-on Cards for your immediate family members (over 18 years). All card features on InterMiles HDFC Bank Credit Card are applicable for the Primary Card Holder only and are not applicable for Add-On Card Holders.
• Card Renewal: You will be provided with an InterMiles HDFC Bank Co-brand Credit Card plastic on the VISA franchisee upon the renewal of your existing MasterCard variant (Effective Card renewal from 01st October'17). Ensure contact details are updated for a seamless experience.
• Credit Limit: The credit limit may vary for all cardholders, depending on their net income and past payment behavior. You may get a lower credit limit initially, but with responsible credit card usage, the HDFC Bank may provide a limit upgrade every year. Contact customer care for a higher credit limit.
• How To Apply:
  • Online: Visit the official website of HDFC bank, navigate to 'Borrow' -> 'Credit Cards' -> 'Travel' category, select 'InterMiles HDFC Bank Signature Credit Card', and click 'Apply Online'. Start by entering your mobile number and captcha, then fill in the required details and submit.
  • Offline: Visit your nearest HDFC Bank branch and fill in the physical application form.
• How To Check Application Status:
  • Visit the application tracking page of HDFC Bank credit cards, enter your application number or required details.
  • Contact HDFC Bank credit card customer care.
  • Visit your nearest HDFC branch and inquire with bank executives.
• Card Activation and PIN Generation:
  • Generate PIN by logging into your internet banking account under the 'Manage Your Card' section.
  • Generate PIN via an ATM (find the option to generate a credit card PIN from the main menu).
  • Contact HDFC Bank credit cards customer care for assistance.
• Bill Payment Methods:
  • HDFC Bank BillDesk page (enter credit card number, registered email ID, amount, and make payment).
  • Internet banking ('Credit Card Payment' option under 'Credit Cards').
  • NEFT (use your credit card number as the account number for payments from other bank accounts).
  • Digital payment apps like Paytm, PhonePe, etc.
  • Offline payment by dropping a cheque at an HDFC Bank ATM or via cash/cheque at your nearest branch.
• Login/Net Banking Registration:
  • Visit the HDFC Bank’s official website.
  • Under the 'Ways to Bank' section, choose 'Online Banking'.
  • Select 'Credit Card Internet Banking' and click on 'Register Online'.
  • Fill in all the required details to register your card for internet banking.
• Customer Care:
  • 24*7 Helpline Number: 1800 266 4332 (for emergency assistance).
  • Email: customerservices.cards@hdfcbank.com.