By Bharti Bisht
Updated On September 18, 2021

The HDFC Bank All Miles Credit Card is a card issued by the HDFC Bank with exclusive Reward programs. With its exciting benefits, it allows its customers to save on most of their spends in the form of Reward Points. It comes with a nominal joining fee of Rs. 1000 which can be waived off by spending just Rs. 15,000 within the first 90 days after receiving your card. The renewal fee of Rs. 1000 can also be waived off by spending Rs. 1 lakh in a year. With this card, you get 3 Reward Points for every Rs. 100 spent and you get 6 Reward Points for every Rs. 100 spent on mobile recharge, shopping, or hotel bookings.

These Reward Points you earn can be redeemed against an array of options available at the HDFC Bank Rewards catalogue, and hence allows you to save more & more. Other than that, the fuel surcharge waiver with a maximum benefit of Rs. 500 per month is another key feature of the HDFC Bank All Miles Credit Card. To know all about the card, its benefits, and fees & charges, refer to the detailed information given below:

Best Suited For

Shopping |

Joining Fee

Rs. 1,000 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • You get 3 Reward Points for every Rs. 150 you spend using your HDFC Bank All Miles Credit Card.
  • You get 2x Reward Points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings.
  • Spend Rs. 15,000 in 3 months and get your joining fee waived off.
  • Spend Rs. 1 lakh or more in one year and get your renewal fee waived off.
  • Get a 1% fuel surcharge waiver.

Rewards and Benefits

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

3 Reward Points per Rs. 150 spent and 6 Reward Points per Rs. 150 spent on shopping, mobile recharge, and hotel bookings.

Reward Redemption

The Reward Points you earn can be redeemed against various options from the HDFC Rewards catalog.

Travel

N/A

Golf

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

The cardholder will not be liable for any unauthorized transactions made on his/her card once the loss is reported to the bank.

Fees & Charges

Joining Fee

Rs. 1,000 (plus applicable taxes)

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Spend based Waiver

The joining fee is waived off on spending Rs. 15,000 or more within the first 90 days and the renewal fee is waived off if a minimum of Rs. 1 lakh were spent in the previous year

Rewards Redemption Fee

Rs. 99 on every redemption request (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 on every redemption request (plus applicable taxes)

Foreign Currency Markup

3.5% on all foreign currency spends (plus applicable taxes)

Interest Rates

3.6% per month (or 43.2% per annum)

Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions above Rs. 400 (max waiver capped at Rs. 500)

Cash Advance Charge

2.5% of the amount withdrawn, subject to a minimum charge of Rs. 500

Add-on Card Fee

Nil

HDFC Bank All Miles Credit Card Rewards:

  • You get 3 Reward Points on every spend of Rs. 150.
  • You get 6 Reward Points for every spend of Rs. 150 on hotel bookings, mobile recharge, or shopping.
  • Fuel transactions are not eligible for Reward Points.
  • These Reward Points are valid for 2 years after the date of accumulation.

Rewards Redemption

The Reward Points earned on HDFC All Miles Credit Card can be redeemed for products, gift vouchers or discounts on HDFC Reward catalog via Net Banking or through mail.

Joining and Renewal Fee Waiver

  • The joining fee is waived off if you spend Rs. 15,000 or more within the first 90 days after the card set-up date.
  • The renewal fee is waived off if you spend Rs. 1 lakh or more in the previous year.

Fuel Surcharge Waiver

  • You get a 1% fuel surcharge waiver across all fuel stations for a minimum transaction of Rs. 400.
  • The maximum benefit through the fuel surcharge waiver is capped at Rs. 500 per month.

Eligibility Criteria

  • For salaried employees, the eligible age to apply for this card is 21 years to 60 years.
  • For self-employed individuals, the eligible age to apply for this card is 21 years to 65 years.

Conclusion

Considering the reward rate and other additional benefits that it offers, HDFC All Miles Credit Card can be considered a decent choice for frequent travelers and shopaholics as you get 2X Reward Points on hotel bookings, mobile recharges and shopping. Although you don’t get travel benefits like complimentary airport lounge access, concierge service, etc, since it is an entry-level card, there’s not much to complain about. What do you think about this entry-level credit card by HDFC Bank? Do let us know in the comments, and if you’re an existing cardholder, feel free to share your experience.

FAQs:

The Reward redemption fee on the HDFC Bank All Miles Credit Card is Rs. 99 on every redemption request.

For the HDFC Bank All Miles credit card, the maximum benefit through fuel surcharge waiver is capped at Rs. 500 in a month.

Yes, you can get your joining fee waived off by spending more than Rs. 15,000 within 90 days after card issuance, and you can get your renewal fee waived off by spending Rs. 1 lakh or more in an anniversary year.

You can apply for the HDFC Bank All Miles Credit Card easily by visiting the HDFC Bank credit cards page and then following a few simple steps to fill the application form.

The interest rate on the HDFC Bank All Miles Credit Card is 3.6% per month (or 43.2% annually)

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