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Features of HDFC InterMiles Signature Credit Card

  • 1. Reward Points and InterMiles Earnings:
    • Accelerated InterMiles on Travel Bookings: Earn 12 InterMiles for every Rs. 150 spent on flight and hotel bookings made through the InterMiles website. This allows you to quickly accumulate miles, which can be redeemed for travel rewards like flight tickets and hotel stays.
    • Retail Spend Rewards: Earn 6 InterMiles for every Rs. 150 spent on retail purchases. This reward applies to a variety of categories, including shopping, dining, and everyday purchases. Note that certain transactions like cash advances or fuel purchases do not earn InterMiles.
    • Etihad Airways Booking Benefits: Cardholders receive a 5% discount on Economy class tickets and earn 5x InterMiles when booking through the InterMiles website. This is a great way to save on travel while also earning rewards for your bookings.
    • InterMiles Redemption Flexibility: Redeem accumulated InterMiles for free flights, hotel stays, shopping, dining experiences, and more through the InterMiles website. This flexibility ensures you can use your miles in ways that best fit your lifestyle.
    • No Expiry on InterMiles: Miles earned through this card do not expire, giving you the freedom to accumulate them over time and use them when it’s most convenient for you. This ensures that your rewards remain valuable for as long as you wish to use them.
Credit Card Promotion
    • Airport Lounge Access:
    • Domestic Lounge Access: Cardholders enjoy 16 complimentary lounge visits per year (4 per quarter) at participating domestic airports in India through the Visa or Mastercard Lounge Programme. Present your InterMiles HDFC Bank Signature Credit Card and boarding pass to access select lounges, which may charge a nominal validation fee depending on the network.
    • International Lounge Access via Priority Pass: Includes complimentary Priority Pass membership (worth $99) for access to 600+ lounges worldwide. Primary cardholders get 5 free international lounge visits annually. Additional or guest visits are charged at approx. $27 + GST per person, billed within 90 days.
    • Dining and Lifestyle Benefits:
    • Exclusive Dining Discounts: Get up to 35% off on dining when spending Rs. 75,000 or more in a calendar quarter. Includes 25% assured discount via Dineout Passport and extra 10% via card. Through Dineout Pay, enjoy up to 20% savings (15% Dineout + 5% HDFC Bank), with a max discount of Rs. 1,000 per transaction.
    • Complimentary Dineout Passport Membership: Offers premium dining access, early event invites, and festival-specific offers — a treat for culinary enthusiasts.
    • Financial and Travel Perks:
    • Low Foreign Currency Markup Fee: Only 2% on international transactions, making global spends more economical.
    • Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit, subject to full balance repayment by the due date.
    • SmartEMI Facility: Convert spends of Rs. 2,500 or more into easy EMIs. Applies to online and offline purchases. Note: InterMiles are not earned on EMI-converted spends.
    • Contactless Payments: Tap-to-pay enabled for quick and secure payments at supported terminals.
    • Insurance and Security Features:
    • Zero Lost Card Liability: If reported promptly to HDFC's 24x7 helpline, you bear no liability for fraudulent use after reporting loss.
    • Insurance Coverage: While specifics aren’t listed, premium HDFC cards typically include air accident and emergency hospitalization insurance. Cardholders should verify details directly with the bank.
    • Additional Program Benefits:
    • Add-On Cards: Avail up to 3 free add-on cards for immediate family (18+ years). Add-on spends contribute to primary cardholder’s InterMiles, though lounge access and Silver tier are limited to the primary user.
    • Reward Points Conversion: Convert reward points from other eligible HDFC cards into InterMiles — consolidate rewards for enhanced travel benefits.
    • Important Notes:
    • Phased-Out Status: As of January 2023, this card is no longer issued. Existing users were migrated to alternatives like Diners Millennia post SMS/email intimation. All features were discontinued by Dec 15, 2024.
    • Reward Capping: From Jan 1, 2023, rewards on select categories (e.g., rent payments) are capped. A 1% fee applies on rental payments from the second monthly transaction.
    • Eligible Spends: InterMiles are earned only on retail transactions above Rs. 150. Fuel, cash withdrawal, and EasyEMI conversions are excluded.
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Benefits of HDFC InterMiles Signature Credit Card

  • Welcome and Renewal Benefits:
    • Generous Welcome Bonuses: Earn 3,000 InterMiles for spending Rs. 6,000 within the first 30 days, and 5,000 more for spending Rs. 90,000 within 90 days of card issuance — totaling 8,000 InterMiles.
    • Complimentary Discount Vouchers: Get a Rs. 750 flight discount voucher and Rs. 2,000 hotel discount voucher for first-year travel savings.
    • Renewal Incentives: Upon annual renewal and spending Rs. 6,000 within 30 days, receive 3,000 InterMiles plus a Rs. 750 flight and Rs. 1,000 hotel discount voucher.
    • Annual Fee Waiver: The renewal fee of Rs. 2,500 is waived on spending Rs. 3,00,000 in the preceding year, though discount vouchers are excluded in this case.
    • Travel Privileges:
    • Complimentary Airport Lounge Access: Enjoy 16 free domestic lounge visits per year (4 per quarter) and 5 free international lounge visits via Priority Pass. Domestic visits using Priority Pass are chargeable at US$27 + GST.
    • InterMiles Silver Tier Membership: Complimentary in the first year, with benefits like priority check-in and bonus InterMiles, confirmed within 30–60 days of card issuance.
    • Etihad Airways Discount: Avail a 10% discount on flights booked through InterMiles.com, ideal for frequent international flyers.
    • Annual Fee Waiver: The renewal fee can be waived by spending Rs. 3,00,000 within 12 months of the card setup or renewal date. This spend-based waiver makes the card cost-effective for high spenders while retaining.
    • Travel Privileges:
    • Complimentary Lounge Access: 16 domestic lounge visits/year (4 per quarter) and 5 free international visits annually via Priority Pass (US$27 + GST for India visits).
    • InterMiles Silver Tier: Complimentary membership for the first year, with benefits like bonus InterMiles and priority check-in.
    • Etihad Airways Discount: 10% off flights booked on InterMiles website with Etihad Airways.
    • Reward Points Program:
    • Accelerated InterMiles Earnings: 6 InterMiles/Rs. 150 on retail, 12 InterMiles/Rs. 150 on InterMiles.com bookings.
    • Flexible Redemption: Redeem miles for flights, hotels, dining, and shopping on InterMiles.com.
    • Point Conversion: Convert HDFC reward points from other HDFC cards to InterMiles (subject to terms).
    • No Expiry: InterMiles never expire, allowing long-term rewards planning.
    • Dining and Lifestyle Benefits:
    • Dineout Passport: Complimentary membership on spending Rs. 75,000/quarter. Up to 35% off at 2,000+ restaurants (25% + 10% with Dineout Pay).
    • Event Access: Early booking for exclusive festivals and experiences such as Gourmet Licious.
    • Financial and Convenience Benefits:
    • Foreign Currency Markup: Lower markup of 2% on international transactions (vs. industry avg. 3.5%).
    • Fuel Surcharge Waiver: 1% waiver on Rs. 400–5,000 fuel spends, capped at Rs. 250/month.
    • Interest-Free Period: Up to 50 days from the date of purchase, subject to merchant submission.
    • Zero Lost Card Liability: Liability protection against fraud upon timely reporting to 24×7 call center.
    • Security and Payment Features:
    • Contactless Payments: Tap to pay securely at enabled POS terminals for quick checkout.
    • EMV Chip & Magnetic Strip: Dual-layer security and compatibility with various payment terminals.
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Steps to Apply for HDFC InterMiles Signature Credit Card

  • 1. Online Application:
    • Step 1: Visit HDFC Bank Website
      Go to www.hdfcbank.com, navigate to "Credit Cards" under "Personal Banking," and select "Visa Signature Credit Card."
    • Step 2: Check Eligibility
      Click "Apply Now" or "Check Eligibility." Enter your name, mobile number, email, PAN, income, employment type, and city.
    • Step 3: Complete Application Form
      Fill out details including date of birth, address, employment details, and income if eligible.
    • Step 4: Upload Documents
      Upload digital copies of ID proof, address proof, income proof, and photograph (PDF/JPEG/PNG under 5MB).
    • Step 5: Verify and Submit
      Review information, provide consent for credit checks, e-sign if prompted, and submit.
    • Step 6: Application Tracking
      Receive Application Reference Number via SMS/email to track status.
    • Step 7: Verification & Delivery
      Bank may conduct Video KYC or call verification. Card delivered within 7-10 working days post-approval.
  • 2. Offline Application:
    • Step 1: Locate a Nearby HDFC Bank Branch
      Find the nearest HDFC Bank branch using the bank’s website or mobile app. You can also call the HDFC Bank customer care number (STD Code + 6160 6161) to get branch details.
    • Step 2: Visit the Branch
      Go to the branch during working hours (typically 9:30 AM to 3:30 PM, Monday to Saturday). Carry all required documents, including originals and photocopies.
    • Step 3: Request an Application Form
      Ask a bank representative for the credit card application form. Specify that you’re interested in a travel-focused card similar to the InterMiles Signature Credit Card if it’s no longer available.
    • Step 4: Fill Out the Form
      Complete the form with accurate details, including personal, contact, employment, and financial information. Attach the required documents as instructed by the bank staff.
    • Step 5: Submit the Form
      Hand over the completed form and documents to the bank representative. They may verify the originals and retain the photocopies.
    • Step 6: Verification and Follow-Up
      The bank will process your application and may contact you for additional verification. This could include a visit to your residence or workplace. Respond promptly to expedite the process.
    • Step 7: Approval and Card Delivery
      Once approved, the bank will inform you, and the card will be sent to your registered address. The offline process may take slightly longer than the online method, typically 10–25 working days.
  • 3. Through Customer Care:
    • Call HDFC's toll-free number (8885545255) to request application assistance.
    • Representative guides through online/offline process and eligibility checks.
  • 4. Pre-approved Offers:
    • Existing HDFC customers may receive pre-approved offers via email/SMS.
    • Simplified application process with faster approval for eligible customers.
  • 5. Mobile App Application:
    • Download HDFC Bank Mobile App from App Store/Google Play.
    • Log in/register and navigate to credit card section to apply.
    • Track application status and upload documents directly through app.

Eligibility Criteria for HDFC InterMiles Signature Credit Card

  • Age Requirements:
    Salaried Individuals: 21 to 60 years
    Self-Employed Individuals: 21 to 65 years
  • Income Requirements:
    Salaried: Minimum net monthly income of ₹90,000 (approx. ₹10.8 lakh annually)
    Self-Employed: Annual ITR filing of more than ₹12 lakh
  • Credit Score and Financial History:
    Preferred credit score: Above 780
    Good repayment history, low credit utilization, and minimal recent hard inquiries are essential.
  • Documentation Requirements:
    Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License
    Address Proof: Aadhaar, recent utility bills, passport, driving license, or rental agreement
    Income Proof:
    • Salaried: Latest salary slips, last 3 months’ bank statements, Form 16
    • Self-Employed: Latest ITR, bank statements, audited financials
  • Nationality & Residency:
    Available only to Indian residents. NRIs and foreign nationals are not eligible.
  • Employment Status:
    Salaried: Should be employed with a reputed organization, ideally for at least 1 year
    Self-Employed: Business or practice should be operational for 2+ years
  • Relationship with HDFC Bank:
    Existing customers (with savings accounts, FDs, or loans) may receive preference.
    Preferred and Imperia banking customers have better approval chances.
  • Internal Bank Criteria:
    HDFC may apply internal eligibility norms such as:
    • Financial behavior and credit history
    • Asset-liability profile
    • Bank’s overall risk exposure
  • Application Methods:
    Online: Through HDFC Bank’s website with digital document upload
    Offline: Visit the nearest HDFC Bank branch with documents
  • Approval & Verification Process:
    Includes document check, credit bureau analysis, income evaluation, and telephonic/field verification
    Approved cards are dispatched to the applicant’s address after successful verification.
  • Important Notes:
    Meeting the basic criteria does not guarantee approval
    Eligibility requirements and internal policies are subject to change
    Applicants should check current terms on the official website before applying
  • Additional Eligibility Considerations:
    • Applicants must not have any history of loan defaults or bankruptcies.
    • A stable financial profile and regular income sources are considered favorable.
    • Applicants with a higher credit limit on previous credit cards may be given preference.
  • Income Tax Filing (Self-Employed):
    It is mandatory for self-employed applicants to have filed their Income Tax Returns (ITR) for the last 2 years.
  • Existing Credit Card Status:
    • Applicants should ideally have an existing credit card with a good repayment record.
    • Those with a history of maintaining a credit card balance in good standing may have a higher chance of approval.
  • Special Eligibility for HDFC Customers:
    • Customers who are part of the HDFC Bank's Premium or Wealth management programs may enjoy expedited processing and enhanced approval chances.
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Documents Required for HDFC InterMiles Signature Credit Card

  • Identity Proof Documents:
    HDFC Bank requires valid, government-issued identity proof that contains your full name and photograph. Acceptable documents include:
    • Aadhaar Card: Ensure it’s current and name matches other documents. Masked format (first 8 digits) may be accepted.
    • PAN Card: Mandatory for all financial transactions and tax verification.
    • Passport: Must be valid and may also serve as address proof.
    • Voter’s ID Card: Ensure it is legible and details match other documents.
    • Driving License: Must be valid and include photo and personal details.
    Tips: Documents must not be expired. Photocopies should be clear, self-attested if required, and scanned copies must be high-resolution for online submissions.
  • Address Proof Documents:
    These confirm your current residence. Must be recent (within 3 months, where applicable). Acceptable documents include:
    • Aadhaar Card – Ensure the listed address is current.
    • Utility Bills – Electricity, gas, water, or telephone bills, not older than 3 months.
    • Passport – Acceptable if current address is listed.
    • Driving License – Address must be up-to-date.
    • Ration Card – Valid if it includes your name and current address.
    • Rental Agreement – Must be registered and paired with a recent utility bill.
    Guidelines: Avoid discrepancies across documents. Utility bills must be recent. For tenants, both rental agreement and utility bill may be needed.
  • Income Proof Documents:
    These demonstrate your repayment capacity. Requirements vary by employment type:
    • Salaried Individuals: Last 3 months’ salary slips, latest Form 16, and 3-6 months’ bank statements reflecting salary credit.
    • Self-Employed Professionals: Latest 2 years' ITR with income computation and business account statements (6 months).
    Best Practices: Documents must be recent. Salary slips and bank statements should align. PDFs preferred for online; stamped copies for offline.
  • Employment or Business Proof:
    • Salaried: Employer ID card, appointment letter, or employment certificate.
    • Self-Employed: GST registration, shop license, or business incorporation certificate.
    Tip: Keep digital versions ready for upload if applying online.
  • Photograph:
    One recent passport-sized photo (35mm x 45mm) for offline applications. Digital copy required for online/video KYC.
    Note: Ensure photo is clear and meets HDFC’s size and format standards.
  • Credit Score Check:
    A strong credit history is essential. HDFC may fetch your CIBIL or Experian score during application. A score of 750+ is typically preferred.
    Note: No separate document needed unless requested.
  • KYC Compliance:
    All documents must follow RBI's KYC norms. Banks may conduct a Video KYC if you apply online.
    Note: Ensure digital files are clear, under 5MB, and in PDF/JPEG format.
  • Additional Tips:
    • Self-attest photocopies where required and ensure the date is recent.
    • Verify consistency across name, address, and DOB in all documents.

Factors for HDFC InterMiles Signature Credit Card Overview

  • Earning InterMiles:
    6 InterMiles per ₹150 on retail purchases.
    12 InterMiles per ₹150 on bookings via www.intermiles.com/flights.
    2.5x InterMiles for Etihad Airways tickets via flights.intermiles.com.
    No InterMiles on fuel, EMI conversions, wallet top-ups, cash withdrawals. Insurance capped at 2,000 InterMiles.
  • Redemption of InterMiles:
    Redeem on www.intermiles.com for flights, hotels, travel services.
    ₹99 redemption fee per request; no conversion to cash or other reward programs.
  • Airport Lounge Access:
    16 complimentary domestic lounge visits/year (4 per quarter).
    5 complimentary international lounge visits via Priority Pass (US$27 + GST thereafter).
  • Travel Discounts:
    Up to 7.5% off flights (max ₹250) via flights.intermiles.com.
    Up to 10% off hotels (max ₹500) via interbook.intermiles.com.
  • Dineout Passport Membership:
    25% discount at 2,000+ premium restaurants.
    Extra 10% off using the card (₹75K spend/quarter required).
    Early access to gourmet events.
  • Annual/Joining Fee:
    ₹2,500 + taxes (waived on ₹3 lakh annual spend).
  • Interest & Other Charges:
    3.6% per month interest, 2% foreign markup, 2.5% or ₹500 cash advance fee.
    ₹99 redemption fee per request.
  • Fuel Surcharge Waiver:
    2.5% waiver on ₹400+ spends (max ₹250/month).
    No InterMiles on fuel spends.
  • Zero Lost Card Liability:
    Protection if loss reported promptly to HDFC’s 24x7 helpline.
  • Eligibility:
    Age 21–60 (salaried) / 21–65 (self-employed).
    Monthly income ₹90,000 or ITR ₹12 lakh/year.
    Credit score ideally above 780.
    Better approval chances for existing HDFC customers.
  • Application Process:
    Apply online via HDFC Bank or InterMiles site.
    Fill personal, income, contact details & upload documents.
    Bank rep will verify before approval.
  • Phased-Out Status:
    Card discontinued as of Jan 2023; migrated to other cards (e.g., Diners Millennia).
    Confirm new card benefits with HDFC.
  • Redemption Restrictions:
    Only redeem via InterMiles site; ₹99 fee per redemption.
    No cashback or flexible reward conversion.
  • High Spending Thresholds:
    ₹3 lakh annual spend needed for fee waiver.
    Dining and bonus benefits linked to high spending.
  • Frequent travelers booking via InterMiles.
  • Users who value lounge access and dining perks.
  • Those who spend enough to meet reward thresholds.
  • People who want a lower foreign currency markup card.

Frequently Asked Questions

1. What is the HDFC InterMiles Signature Credit Card?
It was a premium travel credit card offering InterMiles rewards, airport lounge access, dining privileges, and travel-related benefits.
2. Is this card still available for new applications?
No, this card has been discontinued. Existing users may be migrated to other HDFC credit cards.
3. What are the key benefits of this card?
The card offered up to 8,000 bonus InterMiles, 12X InterMiles on InterMiles.com bookings, complimentary lounge access, and a free Dineout Passport membership.
4. What was the annual fee and how could it be waived?
The annual fee was ₹2,500 and could be waived on spending ₹3 lakh or more in the previous year.
5. How are InterMiles earned with this card?
You could earn 6 InterMiles per ₹150 on regular spends and 12 InterMiles per ₹150 on InterMiles.com bookings.
6. What lounge access does the card provide?
It included 16 free domestic and 5 international lounge visits per year through the Priority Pass program.
7. What are the main fees and charges on this card?
Joining/annual fee of ₹2,500, interest at 3.6% per month, 2% foreign transaction fee, and ₹99 per reward redemption.
8. What dining benefits come with this card?
Cardholders received a complimentary Dineout Passport membership offering up to 35% off at select restaurants.
9. What was the eligibility for applying?
Salaried individuals needed a monthly income of ₹90,000; self-employed applicants required ₹12 lakh annual income.
10. How could cardholders redeem their InterMiles?
InterMiles could be redeemed on InterMiles.com for flights, hotel bookings, gift vouchers, and more.

List of HDFC Branches in Andhra Pradesh

  • Prakasam City (Addanki)
  • Kurnool City (Adoni)
  • West Godavari City (Akividu)
  • Visakhapatnam City (Akkayapalem Visakhapatnam)
  • Kurnool City (Allagadda)
  • East Godavari City (Amalapuram)
  • Visakhapatnam City (Anakapalli)
  • Anantapur City (Ananthapur)
  • Nellore City (Atmakur)
  • East Godavari City (Ava Road Rajahmundry)
  • Kadapa City (Badvel)
  • Kurnool City (Banaganapalle)
  • Guntur City (Bank Street, Vinukonda)
  • Guntur City (Bapatla)
  • Krishna City/Town (Bapulapadu Hanuman Junction)
  • Visakhapatnam City (Beach Road)
  • Krishna City (Besant Road Vijayawada)
  • West Godavari City (Bhimavaram)
  • Vizianagaram City (Bobbili)
  • Guntur City (Chebrolu)