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Features of HDFC InterMiles Signature Credit Card

  • 1. Reward Points and InterMiles Earnings:
    • Accelerated InterMiles on Travel Bookings: The card offers 12 InterMiles for every Rs. 150 spent on flight and hotel bookings made through the InterMiles website. This high earning rate maximizes rewards for travel-related expenses, allowing you to accumulate miles quickly for future redemptions.
    • Retail Spend Rewards: For everyday retail purchases, you earn 6 InterMiles for every Rs. 150 spent. This includes a wide range of transactions, from shopping to dining, ensuring consistent rewards across various spending categories. Note that cash advances, fuel transactions, and EasyEMI conversions do not accrue InterMiles.
    • Etihad Airways Booking Benefits: When booking Etihad Airways tickets through the InterMiles website, cardholders enjoy a 5% discount on Economy class tickets and earn 5x InterMiles. This feature enhances savings and rewards for international travel with Etihad, a premium airline partner.
    • InterMiles Redemption Flexibility: Earned InterMiles can be redeemed for free flights, hotel stays, shopping, dining, and more via www.intermiles.com. The flexibility to use miles across multiple categories adds significant value, catering to diverse lifestyle needs.
    • No Expiry on InterMiles: Unlike some reward programs, InterMiles earned through this card do not expire, allowing you to accumulate and redeem them at your convenience. This feature ensures your rewards remain valuable over time.
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    • InterMiles Redemption Flexibility: Redeem InterMiles for free flights, hotel stays, shopping, dining, and more via www.intermiles.com. Convert HDFC reward points from other eligible cards to InterMiles (for Indian residents).
    • Airport Lounge Access:
    • Domestic Lounge Access: 16 complimentary visits per year (4 per quarter) at participating domestic airports in India via the Visa or Mastercard Lounge Programme. Simply present your InterMiles HDFC Bank Signature Credit Card and boarding pass to access select lounges.
    • International Lounge Access: Complimentary Priority Pass membership (worth $99) providing access to over 600 airport lounges worldwide, with 5 free international lounge visits annually. Additional visits or guest visits are charged at approximately $27 + GST per person.
    • Dining and Lifestyle Benefits: Up to 35% off on dining when spending Rs. 75,000 or more in a calendar quarter, including a 25% assured discount at over 2,000 premium restaurants via Dineout Passport Membership, plus an additional 10% off when using the card. Through Dineout Pay, save up to 20% (15% Dineout discount + 5% HDFC Bank discount), with a maximum discount of Rs. 1,000 per transaction. Complimentary Dineout Passport Membership offering access to premium dining experiences, early event access, and exclusive festival offers.
    • Financial and Travel Perks: Low 2% foreign currency markup fee on international transactions, making overseas spending more cost-effective. Up to 50 days of interest-free credit from the date of purchase, provided the outstanding balance is paid in full by the due date. SmartEMI facility to convert purchases of Rs. 2,500 or more into EMIs with flexible repayment tenures (InterMiles are not earned on EMI-converted transactions). Contactless payments enabled for quick and secure transactions at retail outlets.
    • Insurance and Security Features: Zero lost card liability protection against fraudulent transactions when reported promptly to the 24-hour call center. Complimentary air accident insurance coverage (verify exact coverage with bank).
    • Additional Program Benefits: Up to 3 add-on cards for immediate family members (aged 18 and above), with transactions contributing to the primary cardholder’s InterMiles. Reward points conversion from other eligible HDFC credit cards into InterMiles for Indian residents.
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Benefits of HDFC InterMiles Signature Credit Card

  • Welcome and Renewal Benefits:
    • Welcome Bonus: Earn 3,000 bonus InterMiles by spending Rs. 6,000 within the first 30 days and an additional 5,000 InterMiles by spending Rs. 90,000 within 90 days.
    • Complimentary Vouchers: Receive a Rs. 750 flight discount voucher and a Rs. 2,000 hotel discount voucher in the first year.
    • Renewal Benefits: Get 3,000 InterMiles, a Rs. 750 flight voucher, and a Rs. 1,000 hotel voucher upon paying the annual fee.
    • Annual Fee Waiver: Waived if you spend Rs. 3 lakh or more in the previous year.
  • Travel Privileges:
    • Lounge Access: 16 domestic lounge visits per year and 5 international lounge visits via Priority Pass.
    • InterMiles Silver Tier Membership: Complimentary for the first year with priority check-in and bonus InterMiles.
    • Etihad Airways Discount: Additional 10% discount when booking through the InterMiles website.
    • Complimentary Airport Lounge Access: Travelers benefit from extensive lounge access, both domestically and internationally. The card offers 16 complimentary domestic lounge visits per year under the VISA Lounge Program.
    • InterMiles Silver Tier Membership: Cardholders receive a complimentary InterMiles Silver Tier membership for the first year, automatically applied upon card enrollment.
    • Discount on Etihad Airways Bookings: Booking flights with Etihad Airways through the InterMiles website grants an additional 10% discount, making this card a strategic choice for those who frequently fly with Etihad.
    • Reward Points Program: 6 InterMiles per Rs. 150 on retail spends. 12 InterMiles per Rs. 150 on travel bookings via InterMiles. 5x InterMiles on Etihad Airways bookings.
    • Flexible Redemption Options: Redeem for flights, hotels, shopping, dining on intermiles.com. No expiry on earned InterMiles. Convert HDFC reward points from other cards to InterMiles.
    • Dining and Lifestyle Benefits: Up to 35% dining discount at 2,000+ restaurants via Dineout Passport. Early access to premium events and festivals.
    • Financial Advantages: Low 2% foreign currency markup fee. Up to 50 days interest-free credit period. Fuel surcharge waiver of 2.5% (max Rs. 250 per billing cycle).
    • Security Features: Zero liability on lost card if reported promptly. EMV chip and contactless payment technology.
    • Additional Perks: Up to 3 add-on cards for family members SmartEMI conversion for large purchases
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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 and navigate to the “Credit Cards” section. Look for the InterMiles Signature Credit Card or a similar travel-focused card like HDFC Regalia or Diners Club cards.
    • Step 2: Go to the Credit Cards Section
      On the homepage, locate the “Cards” or “Personal Banking” section and click on “Credit Cards” to view the available options.
    • Step 3: Check Eligibility
      Use the eligibility checker by entering your income, employment type, and age to confirm if you qualify for the card.
    • Step 4: Fill Application Form
      Click “Apply Now” and fill in your personal details, including name, mobile number, email address, PAN Card, and address.
    • Step 5: Upload Documents
      Upload scanned copies of your identity, address, and income proof (PDF/JPEG format, under 2MB).
    • Step 6: Submit and Track
      Review your application, submit the form, and save the application reference number to track your status.
  • 2. Offline Application:
    • Step 1: Visit an HDFC Bank Branch
      Go to the nearest HDFC Bank branch and ask for the credit card application form. If the InterMiles Signature Card is unavailable, ask for similar travel cards like the Regalia or Diners Club.
    • Step 2: Fill Out the Form
      Complete the application form with your personal and financial details. Attach the required documents as instructed by the bank representative.
    • Step 3: Submit Documents
      Submit the filled application form along with your identity, address, and income proof. Carry the original documents for verification.
    • Step 4: Verification Process
      The bank will verify your details. They may contact you for additional verification or visit your residence or workplace.
    • Step 5: Receive Confirmation
      If approved, you’ll receive an SMS/email confirmation, and the card will be delivered to your registered address within 7–10 working days.
  • 3. Post-Application: Card Activation
    • Online Activation: Log in to HDFC NetBanking or mobile app, go to “Credit Cards” → “Activate Card”. Enter card details and set your PIN.
    • SMS Activation: Send “ACTIVATE ” to the number in the welcome kit.

Eligibility Criteria for HDFC InterMiles Signature Credit Card

  • Nationality:
    • Applicants must be Indian nationals
  • Age:
    • 21-60 years for salaried individuals
    • 21-65 years for self-employed individuals
  • Income:
    • Salaried: Minimum net monthly income of ₹90,000
    • Self-Employed: Minimum annual income of ₹12 lakh as per ITR
  • Credit Score:
    • Good credit score preferred (780+ recommended)
    • No history of recent defaults or delinquencies
  • Employment/Business Stability:
    • Salaried: Preferably 1+ year with current employer
    • Self-Employed: Stable business/profession for at least 2 years
  • Documents Required:
    • Identity Proof: PAN (mandatory), Aadhaar, Passport, Voter ID, Driving License
    • Address Proof: Aadhaar, Passport, Voter ID, Utility Bill (within 3 months)
    • Income Proof:
      • Salaried: Salary slips (last 1-2 months), Form 16, 3-month bank statement
      • Self-Employed: Latest ITR (2 years), 3-month bank statement, business financials (if applicable)
    • Photograph: Recent passport-size photo (especially for offline application)
  • Application Process:
    • Online: Apply via HDFC Bank website with document upload
    • Offline: Apply at Shoppers Stop showroom or HDFC Bank branch
  • Approval Time:
    • Typically 7–14 working days post verification
  • Additional Considerations:
    • Existing HDFC Bank customers may receive faster approval
    • Low debt-to-income ratio improves chances of approval
  • Key Benefits on Approval:
    • 3% reward points on Shoppers Stop spends, 1% elsewhere
    • ₹500 welcome voucher
    • Milestone rewards worth up to ₹2,500 annually
    • Complimentary First Citizen Silver Edge membership
    • 1% fuel surcharge waiver (up to ₹250/month)
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Documents Required for HDFC InterMiles Signature Credit Card

  • Identity Proof (any one):
    Aadhaar Card
    PAN Card (mandatory for tax purposes)
    Passport
    Voter’s ID Card
    Driving License
  • Address Proof (any one):
    Aadhaar Card (with updated address)
    Utility Bill (Electricity/Water/Gas, not older than 3 months)
    Passport (with current address)
    Driving License (with current address)
    Registered Rental Agreement
    Voter’s ID Card (with current address)
  • Income Proof:
    Salaried Individuals:
    Latest 1–2 salary slips (not older than 2 months)
    Last 3 months’ salary credit bank statements
    Latest Form 16 (if available)
    Appointment Letter (optional, for new employees)

    Self-Employed Individuals:
    Last 2 years’ Income Tax Returns (ITR)
    Last 6 months’ bank statements
    Financial statements (Profit & Loss, Balance Sheet) certified by CA
    Business Proof (e.g., GST registration, shop license)
  • Photographs:
    Two to three recent passport-sized color photographs
  • Application Form:
    Duly filled and signed application form (online or offline)
  • Additional Documents (if applicable):
    Employment Proof (company ID, appointment letter)
    Business Registration Certificate
    Supplementary Card Holder’s ID & Relationship Proof (if applying for add-on card)
    Credit Report or CIBIL Score (if requested)
  • Credit Score: Ensure a good credit score (typically above 750) for faster approval.
  • Self-Attestation: Ensure all document photocopies are self-attested, if required.
  • Online vs. Offline Submission: If applying online, ensure documents are in PDF or JPEG format (typically 2-5 MB).
  • Consistency Across Documents: Ensure that your name, address, and other details are consistent across all documents.
  • Contact Details: Provide an active mobile number and email ID for OTPs and verification links.

Factors of HDFC InterMiles Signature Credit Card Overview

  • Reward Points Structure: Earn 6 InterMiles for every ₹150 spent on retail purchases, 12 InterMiles for every ₹150 spent on flight and hotel bookings via InterMiles, and 2.5x InterMiles for Etihad Airways bookings through flights.intermiles.com. Note that InterMiles are not earned on fuel, EMI conversions, wallet top-ups, or cash withdrawals.
  • Redemption of InterMiles: InterMiles can be redeemed for flight bookings, hotel reservations, and other travel-related services on the InterMiles website. A ₹99 redemption fee applies per request.
  • Airport Lounge Access: Enjoy 16 complimentary domestic lounge visits (4 per quarter) and 5 complimentary international lounge visits annually through the Priority Pass Program.
  • Travel Discounts: Get up to 7.5% discount (maximum ₹250) on flight bookings and up to 10% discount (maximum ₹500) on hotel bookings via InterMiles portals.
  • Dineout Passport Membership: Complimentary membership offering up to 35% discount at over 2,000 premium restaurants and early access to exclusive events.
  • Annual and Joining Fees: The joining and annual fee is ₹2,500 + taxes. The fee can be waived if spending ₹3 lakh or more annually.
  • Interest and Charges: Interest rate is 3.6% per month (43.8% annually). Other charges include a 2.5% cash advance fee, ₹99 reward redemption fee, and 2% foreign currency markup fee.
  • Fuel Surcharge Waiver: 2.5% fuel surcharge waiver on fuel transactions (minimum ₹400), capped at ₹250 per billing cycle.
  • Zero Lost Card Liability: Enjoy zero liability protection on a lost or stolen card, provided it is reported promptly to HDFC Bank.
  • Eligibility Criteria: Salaried individuals (21–60 years) with a minimum monthly income of ₹90,000 and self-employed individuals (21–65 years) with a minimum annual income of ₹12 lakh are eligible. A credit score above 780 is typically required.
  • Required Documents: Identity proof, address proof, and income proof (such as salary slips or ITR) must be submitted.
  • Application Process: Apply online via the HDFC website or InterMiles portal by filling in the necessary details and submitting documents for verification.
  • Limitations: InterMiles can only be redeemed through the InterMiles platform, with a ₹99 redemption fee per request. A high annual spend of ₹3 lakh is required for the annual fee waiver.
  • Phased-Out Status: As of January 2023, this card has been phased out for new applicants, and existing cardholders have been migrated to other HDFC cards like the Diners Millennia Credit 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 (Ongole)
  • West Godavari City (Palakole)
  • Chittoor City (Palamaner)
  • Manyam City (Parvathipuram)
  • Kakinada City (Peddapuram)
  • YSR Kadapa City (Proddatur)
  • East Godavari City (Rajahmundry)
  • Vizianagaram City (Rajam)
  • Annamayya City (Rajampet)
  • Bapatla City (Repalle)
  • Srikakulam City (Srikakulam)
  • West Godavari City (Tadepalligudem)
  • Anantapur City (Tadipatri)
  • West Godavari City (Tanuku)
  • Guntur City (Tenali)
  • Tirupati City (Tirupati)
  • Visakhapatnam City (Visakhapatnam)
  • Vizianagaram City (Vizianagaram)
  • Krishna City (Vuyyuru)
  • West Godavari District