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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: 30 September 2026
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CheQ AU Credit Card

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CheQ AU Credit Card
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 WaiverWaived on annual spend of ₹2.50 Lakhs
Spend Based WaiverWaived off if you spend ₹3 lacs or more in the previous year.
Foreign Transaction Fees3.5% + 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 (equivalent to 43.8% annually) on revolving credit.

Rewards & Benefits

Welcome BonusUp to 3,000 Bonus InterMiles, ₹500 flight voucher, ₹1,000 hotel voucher
Welcome BonusUp to 8,000 bonus InterMiles, Silver Membership, flight vouchers worth ₹750, hotel vouchers worth ₹2,000.
Rewards Rate4 InterMiles per ₹150 on retail; 8 InterMiles per ₹150 on InterMiles bookings
Rewards RateEarn 6 InterMiles for every ₹150 spent on retail purchases. 12 InterMiles (2x) on flight/hotel bookings via intermiles.com.
Reward TypeAir Miles, Other Benefits
Reward TypeAir Miles
Reward Redemption Fee
Reward Redemption Fee₹99 plus applicable taxes on every redemption request.

Travel & Lifestyle

Domestic Lounge Access8 complimentary visits per calendar year (max 2 per quarter) via Visa/Mastercard programs.
Domestic Lounge Access16 complimentary domestic lounge visits per year (4 per quarter) via VISA/MasterCard Lounge Program.
International Lounge Access
International Lounge AccessComplimentary Priority Pass membership with 5 free annual visits to International Lounges.
Travel BenefitsComplimentary domestic lounge access, flight/hotel discount vouchers, 5% off Etihad flights.
Travel Benefits5% discount on Etihad Economy Class, 10% on Business Class tickets via flights.intermiles.com.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 20% discount on dining via Dineout Pay (capped at ₹1,000/month)
Dining BenefitsExclusive Dineout Passport membership (25% assured discount + 10% additional with card, 1+1 buffet). Up to 35% discount on dining.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel spends (min ₹400, max ₹250/billing cycle).
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations across India on min transaction of ₹400, max ₹500 per billing cycle.

Security & Other

Insurance BenefitsComprehensive insurance coverage for travel and emergencies.
Insurance BenefitsZero Liability Protection against a lost or stolen card.
Cash Advance Charges2.5% of amount withdrawn or ₹500, whichever is higher.
Cash Advance Charges2.5% of 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, though now discontinued, was a travel-focused credit card from HDFC Bank, offering valuable InterMiles on everyday and travel spends. It provided complimentary domestic lounge access, attractive welcome benefits, and dining discounts, making it suitable for frequent travelers and diners. Despite its appealing features like comprehensive insurance and fee waiver options, new applications are no longer accepted as the card has been phased out.

Who is it for?

The InterMiles HDFC Bank Signature Credit Card was a premium travel and lifestyle card from HDFC Bank, co-branded with intermiles.com. It offered exclusive InterMiles earning opportunities, complimentary airport lounge access, and significant dining benefits. Though discontinued, it was ideal for frequent travelers seeking comprehensive travel perks and a low forex markup.

Pros

Key benefits and features.

Earn valuable InterMiles on all retail spends, accelerating travel rewards.

Enjoy 8 complimentary domestic lounge visits annually, enhancing travel comfort.

Benefit from attractive welcome offers including bonus InterMiles and travel vouchers.

Get up to 20% discount on dining bills, adding value to everyday expenses.

Comprehensive insurance coverage provides peace of mind for travel and emergencies.

Pros

Key benefits and features.

Comprehensive domestic and international lounge access with Priority Pass membership.

Attractive InterMiles earning rate, especially on flight and hotel bookings via intermiles.com.

Exclusive dining benefits through Dineout Passport membership, offering significant discounts.

Relatively low foreign currency markup fee of 2% on international spends.

Zero Liability Protection against lost or stolen cards provides enhanced security.

Cons

Key drawbacks and limitations.

The card is discontinued and no longer available for new applications.

High foreign currency markup of 3.5% makes international transactions costly.

InterMiles are not earned on fuel transactions, limiting reward accrual.

High interest rate of 3.6% per month if outstanding balances are not cleared.

Lounge access is limited to domestic airports only, with no international lounge benefits.

Cons

Key drawbacks and limitations.

InterMiles redemption was strictly limited to travel bookings on the InterMiles website.

The card has been discontinued, meaning no new applications are accepted and features are ending.

High interest rate of 3.6% per month (43.8% annually) on revolving credit.

A reward redemption fee of ₹99 plus taxes was applicable on every redemption request.

InterMiles were not accrued on fuel transactions, e-wallet reloads, or SmartEMI conversions.

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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