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Federal BankIn 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:
InterMiles HDFC Bank Platinum Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel |
Reward Type
Reward Points
Welcome Benefits
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.
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 Charges
2.5% of amount withdrawn or Rs. 500 whichever is higher
Add-on Card Fee
Nil
- 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.
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 www.intermiles.com/flights
- 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.
