Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
The InterMiles HDFC Bank Signature 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 Signature Credit Card comes with an annual fee of Rs.2,500 and an interest rate of 3.49% per month.
| Joining Benefits |
|
| Travel Benefits |
|
| Renewal Benefits | On paying the membership fee, get discount vouchers worth Rs.750 for flights and Rs.2,000 for hotels. |
| Reward Point Benefits |
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| Dining Benefits |
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| Fuel Benefits | With your credit card, the fuel surcharge of 2.5% will be waived on your fuel transactions. |
| Spend-based Benefits | On spending Rs.8 lakh in a year, the annual fee for the next year will be waived. |
| Interest-free credit Benefits | Enjoy an interest-free credit period of up to 50 days. |
The credit limit of the InterMiles HDFC Bank Signature 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.
| Type of Charge | Amount |
|---|---|
| Annual fee | Rs.2,500 |
| Interest-free credit period | Up to 50 days |
| Interest rate | 3.49% per month |
| Late payment charges | If outstanding balance is:
|
| Cash advance limit | 40% of the credit limit |
| Cash advance charges | 2.5% of the amount withdrawn or Rs.500 (higher amount will be taken) |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 |
| Cash processing fee | Rs.100 |
| Cash advance limit | 40% of the credit limit |
| Charges on overlimit | 2.5% of the withdrawn amount or Rs.500 |
| Cash processing fee | Rs.100 |
| Cash advance charges | 2.5% of the withdrawn amount or Rs.500 |
| Duplicate statement charge | Rs.10 per statement |
| Payment returns charges | 2% of the payment amount subjected to a minimum of Rs.450 |
| Nationality | The applicant must be a citizen of India. |
| Employment status | The applicant must be either salaried or self-employed |
| Age | The applicant must be at least 18 years old. |
| Credit Score | The applicants who hold a good credit score have a higher chance of being eligible for the card. |
| Identity Proof | Income Proof | Proof of Address |
|---|---|---|
| Voter ID | Salary Slip | Ration Card |
| Aadhaar Card | Form 16 | Aadhaar Card |
| Driving License | IT Returns | Voter ID |
| - | - | Passport |
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:
Yes, the primary cardholder can apply for an add-on credit card for family members above 18 years old.
Yes, you can apply for the InterMiles HDFC Signature Credit Card via BankBazaar by visiting the card page and clicking on ‘Apply Now’.
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