HDFC Bank All Miles Credit Card

The HDFC Bank All Miles Credit Card stands out as a distinctive offering among HDFC Bank Credit Cards. Boasting enticing benefits, it empowers cardholders to accumulate savings through Reward Points on a variety of expenditures. Acquiring this card involves a modest joining fee of Rs. 1000, which can be nullified by reaching a spending threshold of Rs. 15,000 within the initial 90 days of card issuance. Additionally, the annual renewal fee of Rs. 1000 is waivable by achieving an expenditure of Rs. 1 lakh within a year. This card offers 3 Reward Points for every Rs. 100 spent, while specific categories such as mobile recharge, shopping, and hotel bookings yield an even more attractive rate of 6 Reward Points per Rs. 100 spent.

Key Highlights of HDFC Bank All Miles Credit Card

  1. Earn 3 Reward Points for every Rs. 150 spent with your HDFC Bank All Miles Credit Card.
  2. Enjoy 2x Reward Points on every Rs. 150 spent on shopping, mobile recharge, or hotel bookings.
  3. Spend Rs. 15,000 within 3 months to have your joining fee waived.
  4. Spend Rs. 1 lakh or more in a year to receive a waiver on your renewal fee.
  5. Benefit from a 1% fuel surcharge waiver with your credit card.

Features and Benefits of HDFC Bank All Miles Credit Card

The HDFC Bank All Miles Credit Card offers several features and benefits:

1. Retail Transactions: Earn 3 Reward Points for every Rs.150 spent on eligible retail transactions.

2. AllMiles Website Transactions: Double your Reward Points for transactions made on the AllMiles website, accelerating your mileage accumulation.

3. Insurance Transactions: Accumulate Reward Points on your insurance transactions.

4. First-year Fee and Annual Fee Waiver:

  • Spend Rs.15,000 within 90 days of card setup to waive the Rs.1,000 first-year fee.
  • Spend Rs.1 lakh in a year to enjoy an annual fee waiver (Rs.1,000) for the subsequent year.

5. Insurance Coverage:

Enjoy two types of insurance coverage with the HDFC All Miles Credit Card:

  • Accidental death insurance.
  • Purchase protection for fire and burglary insurance.

6. Accidental Death Insurance:

  • Make a minimum of 4 transactions worth Rs.100 or more in a calendar month to receive:
  • Up to Rs.50 lakh accidental death insurance coverage.

7. Purchase Protection for Fire and Burglary Insurance:

  • For purchases exceeding Rs.25,000, receive complimentary insurance coverage for 180 days from the purchase date, including:
  • Rs.25,000 per item for personal portable equipment.
  • Up to Rs.2 lakh for other assets.

8. Fuel Surcharge Waiver:

  • Enjoy a 1% fuel surcharge waiver on transactions above Rs.400.
  • Maximum cashback per billing cycle is Rs.500.

9. Zero Lost Card Liability:

  • In case of a lost or stolen card, contact HDFC credit card customer care immediately to block the card.
  • You will not be held liable for unauthorized and fraudulent transactions made using your card or card details after reporting the loss.

HDFC Bank All Miles Credit Card Fees and Charges

Explore the fee structure for the HDFC Bank All Miles Credit Card and discover the financial advantages that come with it.

1. Joining Fee (First-Year Fee): Rs. 1,000
2. Annual Fee (Second Year Onwards): Rs. 1,000
3. Interest Rates:

  • Standard Rate: 3.49% per month (41.88% p.a.)
  • Default Rate: 3.5% per month (42% p.a.)

4. Late Payment Fees:

  • Less than Rs. 100 – Nil
  • Rs. 100 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 10,000 – Rs. 600
  • Rs. 10,001 to Rs. 25,000 – Rs. 800
  • Greater than Rs. 25,000 – Rs. 950

Eligibility Criteria for HDFC Bank All Miles Credit Card

Here are essential criteria for applying for an HDFC Bank All Miles Credit Card:

  1. Salaried employees can apply for this card if they are between 21 and 60 years old.
  2. Self-employed individuals are eligible to apply for this card if they fall within the age range of 21 to 65 years.

Documents Required for HDFC Bank All Miles Credit Card

To apply for the HDFC Bank All Miles Credit Card, you will typically need to provide the following documents:

1. Identity Proof:

  • Voter ID
  • Aadhar Card
  • Passport
  • Driving License
  • PAN Card

2. Address Proof:

  • Utility bills
  • Aadhar Card
  • Rent agreement
  • Passport
  • Driving License
  • Flat maintenance bills
  • Ration Card
  • Copy of PAN Card

3. Income Proof:

  • Latest month’s bank statements
  • Latest month’s salary slips
  • Latest audited Income Tax Return (ITR)

How To Apply for HDFC Bank All Miles Credit Card?

Follow these steps to apply for the HDFC Bank All Miles Credit Card:

  1. Visit the HDFC Bank’s official website.
  2. Navigate to the ‘Borrow’ section.
  3. Click on ‘Credit Cards’ within the ‘Borrow’ section.
  4. Explore the page with categorized credit cards.
  5. Locate the ‘Other Cards’ category.
  6. Find and select the ‘HDFC All Miles Credit Card.’
  7. Click on ‘Know More’ for additional information.
  8. Proceed to ‘Apply Online.’
  9. Initiate the application by entering your mobile number and captcha code.
  10. Complete the form by providing all necessary details.
  11. Submit the application form.

Frequently Asked Questions (FAQs) –

1. How can I apply for the HDFC All Miles Credit Card?

To apply for the HDFC All Miles Credit Card, visit the official HDFC Bank website, navigate to the ‘Credit Cards’ section, find the ‘All Miles’ card, and follow the online application process.

2. How does the reward points system work for the HDFC All Miles Credit Card?

The reward points system allows cardholders to earn points on eligible transactions, especially those related to travel. These points can often be redeemed for air miles, hotel stays, or other travel-related benefits.

3. Are there any annual fees associated with the HDFC All Miles Credit Card?

Credit card fees can vary, and it’s essential to check the current fee structure on the HDFC Bank website or contact their customer service for the most up-to-date information on annual fees and other charges.

4. What kind of travel benefits does the HDFC All Miles Credit Card offer?

Travel benefits may include access to airport lounges, air miles accumulation, travel insurance, and other perks. Consult the HDFC Bank website or terms and conditions for specific details on travel-related benefits.

5. How can I check my HDFC Bank All Miles Credit Card balance and transactions?

HDFC Bank provides online banking facilities where you can log in to your account to check your credit card balance, review transactions, and manage your account. Additionally, you can use the mobile app or contact customer service for assistance.

6. What should I do if my HDFC All Miles Credit Card is lost or stolen?

In case of a lost or stolen card, contact the HDFC Bank customer service immediately to report the incident and request card blocking. They will guide you through the process of obtaining a replacement card.

7. How can I maximize the benefits of the HDFC All Miles Credit Card?

To maximize benefits, use the card for eligible transactions, take advantage of reward points, and stay updated on promotional offers. Regularly check the HDFC Bank website for any new features or benefits associated with the HDFC All Miles Credit Card.