Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Bank All Miles Credit Card

    As the name suggests, the HDFC Bank AllMiles Credit Card lets you earn reward points on your transactions which you can then convert to air miles. You can then use these miles to fund the flight tickets for your next holiday for little to no cost at all.

    Key Highlights of the AllMiles Credit Card

    Here's what you get with this card:

    • 3 Reward Points per Rs.150 that you spend.
    • Get double Reward Points on transactions made on the AllMiles website.

    Features and Benefits of the HDFC Bank AllMiles Credit Card

    Rewards

    • All eligible retail transactions get you 3 Reward Points per Rs.150 that you spend.
    • Transactions made on the AllMiles website gives your double Reward Points. So, you can earn miles faster.
    • Earn Reward Points on your insurance transactions.

    First-year Fee and Annual Fee Waiver

    • Spend Rs.15,000 within 90 days from your card set up and enjoy a waiver on the Rs.1,000 fee.
    • Spend Rs.1 lakh in a year and enjoy a waiver on the annual fee (Rs.1,000) for the subsequent year.

    Insurance Coverage

    With the HDFC Bank AllMiles Credit Card, you get to enjoy insurance coverage of two types. They are:

    • Accidental death insurance.
    • Purchase protection for fire and burglary insurance.

    Accidental Death Insurance

    Make a minimum of 4 transactions worth Rs.100 or more in a calendar month using your AllMiles Card and get:

    • Up to Rs.50 lakh accidental death insurance coverage.

    Purchase Protection for Fire and Burglary Insurance

    For purchases of Rs.25,000 and higher, you receive complimentary insurance coverage for a period of 180 days from the date of purchase. The coverage amount is:

    • Rs.25,000 per item for personal portable equipment.
    • Up to Rs.2 lakh for other assets.

    Fuel Surcharge Waiver

    • Enjoy fuel surcharge waiver of 1% on fuel transactions with a minimum transaction amount of Rs.400. The maximum cashback you can earn per billing cycle is Rs.500.

    Zero Lost Card Liability

    Other HDFC Bank Credit Cards

    HDFC Bank AllMiles Credit Card Credit Limit

    The credit limit on your card will be intimated to you by the bank.

    It is important to note, however, that multiple factors go into determining the credit limit that is extended to you. These include your employment status, income, current debt obligations, your credit repayment history, and your CIBIL score. As such, the credit limit for the same card can be different for different people.

    Reward Point Benefits

    As mentioned earlier, with this card you get:

    • 3 Reward Points per Rs.150 spent.
    • Double Reward Points on purchases made on AllMiles' website.

    Do note that transactions that are reversed, fuel transactions, and those converted to instalments will not earn any Reward Points.

    How to Redeem Points Earned on your HDFC Bank AllMiles Credit Card

    There are two ways you can redeem your Reward Points.

    Method 1

    • Convert your points to air miles and have it credited to your frequent flyer account.
    • You can then use the miles in your frequent flyer account to get a free ticket to the destination of your choice.

    Method 2

    Redeem your points for vouchers or products from HDFC's rewards catalogue. Here's how you can go about doing this:

    • Log into your HDFC credit card NetBanking account.
    • Register your card if you haven't already.
    • If you have already registered your card, select 'Redeem Reward Points'.
    • Once you choose your card, you will be redirected to the Online Redemption Portal.
    • Once again, select 'Redeem Reward Points'.
    • Browse through the available items and add the ones that you want to your shopping cart.
    • Go to the shopping cart to verify your order. Make sure that details like your address, email ID, and phone number are correct. This is extremely important since the product will be sent to the address provided. Moreover, if you have selected an electronic voucher, the details will be sent to your email ID.
      • If your details are incorrect, please call the customer service centre and get the details changed before proceeding.
    • If all the details are correct, select 'Redeem' to confirm your request.
    • A Redemption Order Number will be generated. You can note this down and use it for any queries you may have regarding your redemption request.

    Based on these details, an HDFC representative may call you or you may receive an SMS from the bank regarding your application.

    How to Apply for the HDFC Bank AllMiles Credit Card Online

    You can apply for this card on the bank's website.

    Here are the steps that you need to follow:

    • Navigate to the webpage for the AllMiles Credit Card.
    • Select 'Apply Now'.
    • Fill in the application form.
    • Enter the code and submit your form.

    Fees and Charges of HDFC Bank AllMiles Credit Card

    Type of Charge Amount
    Joining fee (first-year fee) Rs.1,000
    Annual fee (second year onwards) Rs.1,000
    Interest rate 3.49% per month (41.88% p.a.)
    Interest rate in case of default 3.5% per month (42% p.a.)
    Late payment fee
    • Less than Rs.100 - Nil
    • Rs.100 to Rs.500 - 100
    • Rs.501 to Rs.5,000 - Rs.500
    • Rs.5,001 to Rs.10,000 - Rs.600
    • Rs.10,001 to Rs.25,000 - Rs.800
    • Greater than Rs.25,000 - Rs.950
    Minimum repayment amount 5% of the outstanding balance or Rs.200, whichever is higher.
    Cash advance limit 40% of the credit limit
    Cash advance fee Rs.2.5% of the amount withdrawn subject to a minimum of Rs.500
    Rewards redemption fee Rs.99 per request
    Reissue of lost, stolen, or damaged card Rs.100

    Eligibility of HDFC Bank AllMiles Credit Card

    The eligibility criteria for the HDFC Bank AllMiles Credit Card are:

    Salaried Persons

    • Minimum age: 21 years
    • Maximum age: 60 years

    Self-employed Individuals

    • Minimum age: 21 years
    • Maximum age: 65 years.

    In addition to this, the bank may have other eligibility criteria as well. You can speak to a representative of the bank for more information regarding your eligibility for this card.

    Documents Required

    The documents required will be intimated to you by the bank when the bank goes through your application form to see if you are eligible for the card or not. While they may request you to provide multiple documents, here's an indicative list of documents you may require:

    • Identity-related documents: PAN card, Passport, Aadhaar card, driving licence, etc.
    • Address-related documents: Aadhaar card, Passport, ration card, utility bills, etc.
    • Income-related documents: Latest salary slips, latest income tax returns, the latest Form 16, etc.

    FAQs on HDFC Bank AllMiles Credit Card

    1. Is there a cap on the Reward Points that I can earn?

      There is a cap on the Reward Points that you can earn on insurance transactions. The points that can be earned on these transactions are capped at 2,000 per transaction.

    2. Does the purchase protection on the card cover all purchases of Rs.5,000 and more?

      No. This policy does not cover loss and damage due to fire for articles that are naturally combustible in nature. It also does not cover any damage done to motor vehicles or pedal cycle deeds, bills of exchange, promissory notes, bonds, share certificates, business books, unset precious stones, jewellery, manuscripts, documents of any kind, and other such valuable items.

    3. How do I make a claim for the purchase protection?

      To make a purchase protection claim, you have to:

      • Ensure that not more than 180 days have passed since you purchased the product.
      • Intimate any loss event to bankclaims@hdfcergo.com within 15 days of the event taking place.
      • Submit all relevant documents with regards to your claim within 45 days of the loss even taking place. Send these documents to bankclaims@hdfcergo.com.
    4. What is the redemption value of my Reward Points?

      The redemptions value for the points earned on your AllMiles Credit Card is 0.15 per Reward Point.

    5. What is the validity of my Reward Points?

      Your Reward Points are valid for two years from the date of earning them. So, if you earn points in June 2019, they will expire in June 2021.

    6. What is the grace period on this card?

      You enjoy an interest-free period or grace period of up to 50 days with the HDFC Bank AllMiles Credit Card.

    7. If I apply for this card, how do I check the status of my application?

      You can check the status of your application by navigating to the page to check your application status. Make sure that you have details such as your 16-digit application number handy. You will also have to provide your mobile number and your date of birth.

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