By Gunjan Bharara
Updated On April 19, 2022

In addition to InterMiles HDFC Diners Club Credit Card and InterMiles HDFC Signature Credit Card, the InterMiles HDFC Platinum Credit Card is another co-branded card issued by HDFC Bank in partnership with InterMiles.com. This is best suited for travelers and allows them to earn InterMiles and redeem them for flight bookings and several other travel-related spends. The rewards from this card are earned in the form of InterMiles. This card also enables you to earn discounts while booking hotels. It comes with a joining fee of Rs. 1,000 and allows you to enjoy remarkable welcome benefits such as Bonus InterMiles, and discount vouchers for hotel and flight bookings.

Not only this, you get complimentary access to lounges at airports in India and exclusive dining benefits with this card. Also, on the basis of the amount you have spent through your InterMiles HDFC Bank Platinum Credit Card, the renewal fee of Rs. 1,000 can be waived off.  There are many other advantages of the InterMIles HDFC Platinum Credit Card which will be discussed in detail in the article below:

(4.5/5)

Best Suited For

Travel |

Joining Fee

Rs. 1,000 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • Welcome benefit of up to 3,000 InterMiles
  • Discount vouchers on hotel and flight bookings
  • 4 InterMiles on every Rs. 150 spent on retail purchases made through InterMiles HDFC Bank Platinum Credit Card
  • 8 InterMiles for every Rs. 150 spent on booking flights and hotels through the InterMiles website.
  • 5% discount on Etihad Airways Economy class tickets and 5x InterMiles for Etihad Airways tickets booked through the intermiles website.
  • Complimentary domestic lounge visits every year.
  • Spend based waiver of the annual fee.

Rewards and Benefits

Welcome Benefits

Earn up to 3,000 Bonus InterMiles as a welcome gift on the basis of your spending.

Movie & Dining

NA

Rewards Rate

Earn 4 InterMiles for every Rs. 150 spent on retail transactions and 8 InterMiles on every Rs. 150 spent on Hotel and Flight booking through intermiles.com

Reward Redemption

The InterMiles that you have been rewarded with can easily be redeemed through www.intermiles.com.

Travel

Complimentary domestic lounge access

Golf

NA

Domestic Lounge Access

Complimentary Lounge Access at domestic airports – 8 times in a calendar year, maximum 2 times in a quarter

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

For any fraudulent transaction post the loss of the card, the cardholder will not be liable if the loss of card is reported to the 24-hour call centre immediately.

Fees & Charges

Joining Fee

Rs. 1,000 (plus applicable taxes)

Renewal Fee

Rs. 1,000 (plus applicable taxes)

Spend based Waiver

The renewal fee can be waived off if you have spent Rs. 2.50 Lakhs or more in the previous year.

Rewards Redemption Fee

NA

Rewards Redemption Fee

NA

Foreign Currency Markup

3.5% (plus applicable taxes)

Interest Rates

3.6% per month (or 43.2% annually)

Fuel Surcharge

Fuel surcharge waiver of 1% on a minimum spend of Rs. 400 (waiver maximum up-to Rs. 250 per billing cycle) at all the petrol pumps across India

Cash Advance Charge

2.5% of amount withdrawn or Rs. 500 whichever is higher

Add-on Card Fee

Nil

InterMiles HDFC Bank Platinum Credit Card – Features and Benefits

It is very evident from the name of the card that it is designed specifically for travelers. This comes with exclusive benefits and rewards in the form of InterMiles that can be redeemed for booking flights and hotels for your next vacation. Following are the detailed features and benefits of InterMiles HDFC Bank Platinum Credit Card: –

Welcome Benefits

  • You get 1,500 InterMiles on spending Rs. 3000 within the first 30 days
  • You get 1,500 InterMiles on retail spending of Rs. 50,000 or above in the first 90 days.
  • Flight discount voucher worth Rs. 500 for the first year
  • Hotel discount voucher worth Rs. 1,000 for the first year.

Reward Benefits

  • You get 4 InterMiles on spending every Rs. 150 on retail transactions
  • You get 8 InterMiles on spending every Rs. 150 on flight and hotel booking through intermiles.com
  • Retail transactions above Rs. 150 will be considered for earning InterMiles
  • Fuel purchases, loading of e-wallets, and easy EMI transactions are ineligible for earning InterMiles
  • Under the insurance categories, the cardholders can earn a maximum of 2,000 intermiles in a day.

Reward Redemption

  • The InterMiles that you have earned can be redeemed against flight and hotel bookings if booked through the website intermiles.com.

Travel Benefits

  • You get 8 complimentary domestic lounge visits (2 per quarter) through VISA Lounge Program/MasterCard Lounge Program
  • Get a 5% discount on Etihad Airways Economy class tickets if booked through http://flights.intermiles.com
  • Additionally, earn 2.5x InterMiles for Etihad Airways tickets if booked through flights.intermiles.com

Other Benefits

Apart from the above benefits, you enjoy renewal benefits upon paying the renewal fee in an anniversary year. The benefit is that you get 1,500 InterMiles upon spending Rs. 3,000 within the first 30 days of the anniversary date. Apart from this, you get a Flight Discount voucher worth Rs. 500 and a Hotel Discount voucher worth Rs. 1,000 each.

Joining and Renewal Fee Waiver

Upon spending Rs. 2.50 Lakhs or more in the previous year, the renewal fee of Rs. 1,000 of the InterMiles HDFC Bank Platinum Credit Card can be waived off

Zero Liability Protection

The cardholders will not be liable for any fraudulent transaction that takes place after the loss of the card if the same is reported to the 24-hour call center immediately.

InterMiles HDFC Bank Platinum Credit Card: Fees and Charges

  • The fees and charges for the InterMiles HDFC Bank Platinum Credit Card are Rs. 1,000 + the applicable taxes.
  • The renewal membership fee is also Rs. 1,000 but can be waived off if Rs. 2.50 Lakhs or more is spent through this card in the previous year.
  • The foreign currency markup fee on InterMiles HDFC Bank Platinum Credit Card is 3.5%
  • 3.6% per month is the interest rate that is charged on this card. This comes out to be 43.8% annually
  • The cash advance charges on this card are 2.5% or Rs. 500, whichever is higher

Conclusion

The InterMiles HDFC Bank Credit Card has several benefits and really exciting offers. This card will be really beneficial for the travelers as it provides complimentary lounge access, and exciting offers on hotel and flight bookings as well. Due to the offers such as InterMiles on retail transactions, dining offers, and other advantages, it can be considered a good choice. Not only this, but it provides decent welcome and renewal benefits as well.

So, with an affordable annual fee, it is a good option for people who are looking for great travel benefits along with dining benefits. Even this nominal annual fee can be waived off by achieving the stipulated milestone spend in an anniversary year. So, if these are all the features you were looking for, you should undoubtedly apply for this credit card.

FAQs:

You are charged an annual fee of Rs. 1,000 plus applicable taxes.

The InterMiles can be redeemed against hotel and flight bookings made through intermiles.com.

Any individual above the age of 21 years can apply for this card. The bank officials with then check your eligibility and issue you the card if they are satisfied with the documents.

You will have to pay the renewal fee of Rs. 1,000 + applicable taxes but it can be waived off if you spend Rs. 2.50 Lakhs or more through this card in the previous year.

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Rewards Rate

4 reward points every time one spends Rs. 150.

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