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InterMiles HDFC Bank Platinum Credit Card VS InterMiles HDFC Bank Signature Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
InterMiles HDFC Bank Platinum Credit Card
InterMiles HDFC Bank Platinum Credit Card
InterMiles HDFC Bank Signature Credit Card
InterMiles HDFC Bank Signature Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverRenewal fee waived on spending ₹2.50 Lakhs or more in the previous year.
Spend Based WaiverRenewal fee waived off if you spend ₹3 lacs or more in the previous year.
Foreign Transaction Fees3.5% plus applicable taxes.
Foreign Transaction Fees2% on all foreign currency spends.
Interest Rate (APR)3.6% per month (43.2% annually).
Interest Rate (APR)3.6% per month (43.8% annually) for revolving credit.

Rewards & Benefits

Welcome BonusUp to 3,000 InterMiles and discount vouchers worth ₹1,500 on flights & hotels on meeting spend criteria.
Welcome BonusInterMiles Silver Membership, up to 8,000 bonus InterMiles, flight vouchers worth ₹750, hotel vouchers worth ₹2,000.
Rewards RateEarn 4 InterMiles for every ₹150 on retail; 8 InterMiles for every ₹150 on flights/hotels via InterMiles.com.
Rewards RateEarn 6 InterMiles for every ₹150 on retail purchases; 12 InterMiles for every ₹150 on flight/hotel bookings on intermiles.com.
Reward TypeAir Miles
Reward TypeAir Miles
Reward Redemption Fee
Reward Redemption Fee₹99 plus applicable taxes on every redemption request.

Travel & Lifestyle

Domestic Lounge Access8 complimentary domestic lounge visits per calendar year (2 per quarter) via VISA/MasterCard program.
Domestic Lounge Access16 complimentary domestic lounge access per year (4 per quarter) through the VISA/MasterCard Lounge Program.
International Lounge Access
International Lounge AccessComplimentary Priority Pass membership, offering up to 5 free annual visits to International Lounges for primary cardholder.
Travel BenefitsEarn InterMiles on travel, 5% discount on Etihad Airways, and 2.5X InterMiles on Etihad bookings.
Travel Benefits16 complimentary domestic lounge access, 5 free international lounge visits with Priority Pass, discounts on Etihad Airways.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 20% discount on dining bills paid via Dineout Pay through InterMiles, capped at ₹1,000.
Dining BenefitsExclusive Dineout Passport membership with 25% assured discount, 1+1 on buffet, and up to 20% discount via Dineout Pay.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400 min) up to ₹250 per billing cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on min ₹400 transaction, max waiver ₹500/billing cycle.

Security & Other

Insurance BenefitsZero Liability Protection for fraudulent transactions if reported immediately.
Insurance BenefitsZero Liability Protection on fraudulent transactions if reported immediately to the 24-hour call center.
Cash Advance Charges2.5% of amount withdrawn or ₹500, whichever is higher.
Cash Advance Charges2.5% of the transacted amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

InterMiles HDFC Bank Platinum Credit Card

InterMiles HDFC Bank Signature Credit Card

Who is it for?

The InterMiles HDFC Bank Platinum Credit Card is a co-branded travel card from HDFC Bank and InterMiles, designed for frequent flyers and travelers. It offers attractive InterMiles on all spends, especially on flight and hotel bookings made via InterMiles.com. Cardholders also enjoy complimentary domestic lounge access, dining discounts, and an annual fee waiver based on spending. This card provides significant value for individuals seeking travel and lifestyle benefits.

Who is it for?

The InterMiles HDFC Bank Signature Credit Card was a co-branded travel-focused card from HDFC Bank, designed for frequent travelers. It offered exclusive InterMiles, complimentary domestic and international lounge access, and significant savings on flight and hotel bookings. Cardholders also enjoyed an exclusive Dineout Passport membership and a low foreign currency markup. However, this card has been discontinued, with existing customers migrated to the HDFC Diners Millennia Credit Card.

Pros

Key benefits and features.

Excellent for frequent travelers with InterMiles earnings on flights and hotels.

Complimentary domestic lounge access enhances travel comfort and experience.

Annual fee waiver on achieving a reasonable spend threshold makes it cost-effective.

Attractive welcome benefits including InterMiles and discount vouchers for initial value.

Special discounts and bonus InterMiles on Etihad Airways bookings are a great perk.

Pros

Key benefits and features.

Enjoy complimentary domestic and international airport lounge access with Priority Pass membership.

Benefit from a low foreign currency markup fee of just 2% on all international transactions.

Gain exclusive Dineout Passport membership offering significant discounts and 1+1 buffet deals.

Earn valuable InterMiles on all retail spends, with accelerated earnings on travel bookings.

Cons

Key drawbacks and limitations.

InterMiles are not accrued on fuel transactions, limiting rewards in this category.

High foreign currency markup of 3.5% makes international spending less attractive.

The maximum discount on dining is capped, potentially limiting benefits for high spenders.

Renewal benefits are not applicable if the annual fee is waived, which is a trade-off.

Cash advance charges are relatively high, making cash withdrawals expensive.

Cons

Key drawbacks and limitations.

The InterMiles HDFC Bank Signature Credit Card has been discontinued and is no longer issued.

InterMiles earned can only be redeemed for travel bookings exclusively on the InterMiles website.

Compared to other travel cards, redemption options for InterMiles may be less diverse and flexible.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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