By Bharti Bisht
Updated On September 18, 2021

The InterMiles HDFC Bank Signature Credit Card is a co-branded credit card issued by the HDFC Bank that provides exciting offers in partnership with intermiles.com. The card comes with exclusive spend-based InterMiles offers, and various other travel and dining benefits. You get 16 complimentary airport lounge access every year under the VISA lounge program/MasterCard Lounge Program. Other than that, you get complimentary access to 5 International Lounges through the Priority Pass. Moreover, it provides its customers with the exclusive Dineout Passport membership that comes with exciting dining offers.

With a joining fee of Rs. 2,500, it provides amazing welcome benefits of up to 8,000 bonus InterMiles on the basis of your spending. The card has various other benefits such as a spend-based renewal fee waiver, fuel surcharge waiver, and many more. To know all about the InterMiles HDFC Bank Signature credit card, its fees and charges, and all benefits, refer to the detailed information given below:

Best Suited For

Travel |

Joining Fee

Rs. 2,500 (plus applicable taxes)

Reward Type

AirMiles |

Product Details

  • Welcome benefit of up to 8,000 InterMiles.
  • 6 Inter Miles on every spend of Rs. 150 on retail purchases using your InterMiles HDFC Bank Signature Credit Card.
  • 2x Inter Miles on every spend of Rs. 150 on flight bookings on http://flights.intermiles.com.
  • 2x Inter Miles on every spend of Rs. 150 on hotel bookings on Interbook.intermiles.com.
  • Complimentary Priority Pass membership.
  • 16 complimentary domestic lounge visits per year
  • 5 free visits to International lounges every year through the Priority Pass.
  • Exclusive Dine out Passport membership.
  • The renewal fee is waived off on spending Rs. 3 lacs or more in the previous year.
  • 1% fuel surcharge waiver.

Rewards and Benefits

Welcome Benefits

Earn up to 8,000 bonus Inter Miles on the basis of your spending as a welcome gift.
Exciting discount vouchers for Flight & Hotel bookings.

Movie & Dining

You get exclusive Dine Out Passport membership with great dining offers.

Rewards Rate

Get 6 Inter Miles for every retail spend of Rs. 150 and 2x InterMiles on hotel/flight bookings at intermiles.com.

Reward Redemption

The Inter Miles you earn through your InterMiles HDFC Bank Signature credit card can be redeemed easily on www.intermiles.com.

Travel

You get complimentary domestic as well as International lounge access through VISA Lounge Program, MasterCard Lounge Program, and Priority Pass.

Golf

N/A

Domestic Lounge Access

16 domestic(4 per quarter) lounge access at selected lounges in India.

International Lounge Access

Up to 5 complimentary visits to International lounges via priority pass

Insurance Benefits

N/A

Zero Liability Protection

You get zero liability protection for any fraudulent transactions once you report your card as lost/stolen.

Fees & Charges

Joining Fee

Rs. 2,500 (plus applicable taxes)

Renewal Fee

Rs. 2,500 (plus applicable taxes)

Spend based Waiver

You can get the renewal fee waived off if you have spent Rs. 3 lacs or more in the previous year.

Rewards Redemption Fee

Rs. 99 (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 (plus applicable taxes)

Foreign Currency Markup

2% on all foreign currency spends

Interest Rates

3.6% per month

Fuel Surcharge

2.5% fuel surcharge will be replaced by a convenience fee of 1% plus GST.

Cash Advance Charge

2.5% of the transacted amount or Rs. 500 (whichever is higher)

Add-on Card Fee

Nil

InterMiles HDFC Bank Signature Credit Card Rewards:

  • You get 6 Inter Miles on every Rs. 150 you spend on retail purchases.
  • You get 12 InterMiles on every Rs. 150 spent on flight & hotel bookings through on http://flights.intermiles.com.
  • You will not earn any intermiles on your purchases worth below Rs. 150.
  • Transactions like fuel purchases, e-wallet reloadings, and EasyEMI will not be eligible for Intermiles.
  • The maximum Intermiles you can earn on insurance categories are capped at 2,000 miles per day.

Welcome Benefits

  • You get InterMiles Silver Membership for the first year with your InterMiles HDFC Signature Credit Card.
  • You get 3,000 bonus miles on spending Rs. 6,000 within 30 days after receiving your card.
  • You get 5,000 InterMiles on spending over Rs. 90,000 within 90 days after receiving your card.
  • You get Flight discount vouchers worth Rs. 750 for the first year.
  • You get Hotel discount vouchers worth Rs. 2,000 for the first year.

Rewards Redemption

  • The InterMiles earned can be redeemed easily through the website intermiles.com.
  • The InterMiles HDFC Bank Signature credit card charges a reward redemption fee of Rs. 99 on every redemption request.

Travel Benefits

  • You can avail of 16 complimentary domestic lounge visits per year (4 per quarter) through the VISA Lounge Program / MasterCard Lounge Program.
  • The primary cardholders can access 5 free International Lounge access every year through the Priority Pass. The lounge visits within India using Priority Pass will be charged at Us $27 + GST, and the same charges would be applicable for International lounge visits other than the 5 complimentary visits.
  • On booking through https://flights.intermiles.com, you get 15 InterMiles for Etihad Airways tickets, a 5% discount on Etihad Airways Economy Class tickets, a 10% discount on Etihad Airways Business Class tickets.
  • Get Complimentary one-year Intermiles Silver Tier membership.

Dining Benefits

You get up to a 35% discount on dining when you use your InterMiles HDFC Bank Signature Credit Card. Also, you get exclusive Dineout Passport Membership that offers:

  • An assured discount of 25% at over 2000 premium restaurants.
  • An additional discount of 10% on using your InterMiles HDFC Signature credit card.
  • 1+1 on the buffer at more than 200 restaurants.
  • Early access to several events and festivals.

Other Benefits

Other than all the above benefits, you get renewal benefits every time you pay the renewal fee (i.e. every anniversary year). These benefits include 6,000 InterMiles on spending over Rs. 6000 within 30 days after card renewal. Other than that, you also get Flight and Hotel Discount vouchers worth Rs. 750 and Rs. 1000 respectively.

Joining and Renewal Fee Waiver

The renewal of Rs. 2,500 will be waived off if you spend Rs. 3 lacs or more in the previous year.

Low Foreign Markup Fee

You get a low markup fee of 2% on your foreign conversion using this card. Banks tend to charge a markup fee of 3.5% on all foreign transactions.

Eligibility Criteria For The InterMiles HDFC Bank Signature Credit Card

Salaried Employees Self-Employed Individuals
Age 21 Years - 60 Years 21 Years - 65 Years
Income Minimum Rs. 90,000 per month Minimum Rs. 12,00,000 per annum (as per ITR)

Conclusion

The InterMiles HDFC Bank Signature credit card has several advantages with really exciting travel benefits. So it can be best suited for people who travel frequently, but traveling benefits are not the only benefits that the card provides. Due to its exclusive reward offers, dining benefits, travel benefits, and other advantages, it can be considered a good credit card choice. One of its really good features is: it has a low foreign currency markup fee (2%). Other than that, the welcome benefits of the card are really exciting.

So, if you are looking for a credit card with a variety of benefits, including exclusive travel and dining benefits, you can definitely go with the InterMiles HDFC Bank Signature credit card.

FAQs:

Yes, you can use the priority pass to access lounges within India, but for that, you will be charged a fee of US $ 27 + GST per person per visit.

You should just inform the loss to the customer helpline as soon as you realize it. Once your card is reported lost, you won’t be responsible for any fraudulent purchases done through your card.

The foreign currency markup fee on InterMiles HDFC Bank Signature credit card is 2%.

Yes, the InterMiles HDFC Bank Signature Credit Card provides exclusive dining offers and Dineout Passport membership.

Yes, you get Hotel Discount vouchers worth Rs. 2000 in the first year and vouchers worth Rs. 1000 from the second year.

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