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

    The InterMiles HDFC Bank Platinum Credit Card is a co-branded credit card by HDFC Bank and InterMiles that offers customers a wide range of features and benefits across different categories such as travel, reward points, fuel, and dining. The InterMiles HDFC Bank Platinum Credit Card comes with an annual fee of Rs.1,000 and an interest rate of 3.49% per month.

    Key Highlights of the InterMiles HDFC Bank Platinum Credit Card

    • Joining bonus of 3,000 InterMiles.
    • Earn up to 4 InterMiles on booking flights and hotels on the InterMiles website.
    • Complimentary access to the Airport Lounge Program.
    • Discounts on dining expenses.
    • Fuel surcharge waiver

    Features and Benefits of the InterMiles HDFC Bank Platinum Credit Card

    Joining Benefits
    • Enjoy a joining bonus of 3,000 InterMiles.
    • On spending Rs.3,000 within the first month, get 1,500 InterMiles.
    • Get 1,500 InterMiles on spending Rs.50,000 within the first 3 months.
    Renewal Benefits On paying the membership fee, get discount vouchers worth Rs.500 for flights and Rs.1,000 for hotels.
    Reward Point Benefits
    • Avail 4 InterMiles for every Rs.150 spent on retail purchases.
    • Get 8 InterMiles for every Rs.150 spent on hotel bookings on the InterMiles website.
    • For every Rs.150 spent on flight tickets booked from the website of InterMiles, you get 8 InterMiles.
    Travel Benefits
    • Get a discount of 5% on booking your Economy ticket from Etihad Airways.
    • For every ticket booked on Etihad Airways, get 2.5x InterMiles.
    • Get access to the MasterCard Lounge Program and avail 8 complimentary visits to airport lounges.
    • Get 8 complimentary visits to airport lounges. 2 complimentary lounge visits per quarter via the VISA Lounge Program.
    Dining Benefits
    • Enjoy discounts of up to 30% on dining expenses with the credit card.
    • Complimentary membership to the Dineout Passport Program.
    • Get 25% off on premium partner restaurants in India.
    • Make the most of your credit card with a 1+1 offer on buffets.
    Spend-based Benefits On spending Rs.2.5 lakh in a year, the annual fee for the next year will be waived.
    Fuel Benefits With your credit card, the fuel surcharge of 2.5% will be waived on your fuel transactions.
    Interest-free credit Benefits Enjoy an interest-free credit period of up to 50 days.

    InterMiles HDFC Bank Platinum Credit Card Limit

    The credit limit of the InterMiles HDFC Bank Platinum Credit Card is assigned at the discretion of the bank after considering various factors such as the credit score, the credit utilisation ratio, and the past repayment habits of the applicant.

    InterMiles HDFC Bank Platinum Credit Card Fees and Charges

    Type of Charge Amount
    Type of Charge Fees
    Annual fee Rs.1,000
    Cash processing fee Rs.100
    Interest rate 3.49% per month
    Cash advance limit 40% of the credit limit
    Interest-free credit period Up to 50 days
    Cash advance charges 2.5% of the amount withdrawn or Rs.500 (higher amount will be taken)
    Minimum repayment amount 5% of the total outstanding or a minimum of Rs.200
    Late payment charges If outstanding balance is:
    • Less than Rs.100 - Nil
    • Between Rs.100 and Rs.500 - Rs.100
    • Between Rs.500 and Rs.5,000 - Rs.500
    • Between Rs.5,000 and Rs.10,000 - Rs.600
    • Between Rs.10,000 and Rs.25,000 - Rs.800
    • Between Rs.25,000 and Rs.50,000 - Rs.1,100
    • Above Rs.50,000 - Rs.1,300
    Cash advance limit 40% of the credit limit
    Charges on overlimit 2.5% of the withdrawn amount or Rs.500
    Cash advance charges 2.5% of the withdrawn amount or Rs.500
    Duplicate statement charge Rs.10 per statement
    Cash processing fee Rs.100
    Payment returns charges 2% of the payment amount subjected to a minimum of Rs.450

    Eligibility Criteria for InterMiles HDFC Bank Platinum Credit Card

    Nationality The applicant must be a citizen of India.
    Age The applicant must be at least 21 years old.
    Credit Score The applicants who hold a good credit score have a higher chance of being eligible for the card.
    Employment status The applicant must be either salaried or self-employed

    Documents Required for the InterMiles HDFC Bank Platinum Credit Card

    Income Proof Proof of Address Identity Proof
    Salary Slip Ration Card Voter ID
    Form 16 Aadhaar Card Aadhaar Card
    IT Returns Voter ID Driving License
    - Passport -

    How to Apply for InterMiles HDFC Bank Platinum Credit Card

    You can apply for this HDFC Bank Credit Card from the official website of HDFC Bank or BankBazaar.

    To apply for the credit card, you can follow the steps given below:

    • Step 1: Visit the website of HDFC Bank.
    • Step 2: Select ‘credit cards’.
    • Step 3: Click on the InterMiles HDFC Bank Platinum Credit Card
    • Step 4: Select the ‘Apply Now’ option.
    • Step 5: Submit the required details.
    • Step 6: A representative from the bank will contact you.

    FAQs on InterMiles HDFC Bank Platinum Credit Card

    1. How many InterMiles do I receive for my flight ticket bookings?

      On booking flight tickets on the InterMiles website, you receive 8 InterMiles for every Rs.150 spent.

    2. Is there an annual fee waiver offered on the HDFC Bank Platinum Credit Card?

      Yes, on spending Rs.2.5 lakh on the credit card, the annual fee of the following year will be waived off.

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