InterMiles HDFC Bank Platinum Credit Card

The InterMiles HDFC Platinum Credit Card, alongside the InterMiles HDFC Diners Club Credit Card and InterMiles HDFC Signature Credit Card, is a co-branded card issued by HDFC Bank in collaboration with InterMiles.com. Specifically designed for travelers, it allows users to accumulate InterMiles, which can be redeemed for flight bookings and various other travel-related expenses. The rewards are exclusively in the form of InterMiles, and the card provides additional perks such as discounts on hotel bookings. With a Rs. 1,000 joining fee, cardholders can enjoy attractive welcome benefits, including Bonus InterMiles and vouchers for discounted hotel and flight bookings.

Moreover, the InterMiles HDFC Platinum Credit Card offers complimentary access to airport lounges across in India, enhancing the travel experience. Exclusive dining benefits are also part of the package. Additionally, based on the expenditure made using the card, the renewal fee of Rs. 1,000 can be waived.

Key Highlights of InterMiles HDFC Platinum Credit Card

  1. Enjoy a welcome benefit of up to 3,000 InterMiles upon card activation.
  2. Avail discount vouchers for hotel and flight bookings as part of the card benefits.
  3. Earn 4 InterMiles for every Rs. 150 spent on retail purchases using the InterMiles HDFC Platinum Credit Card.
  4. Get 8 InterMiles for every Rs. 150 spent when booking flights and hotels through the InterMiles website.
  5. Receive a 5% discount on Etihad Airways Economy class tickets and earn 5x InterMiles for Etihad Airways bookings via the InterMiles website.
  6. Access complimentary domestic lounge visits every year as a cardholder privilege.
  7. Benefit from a spend-based waiver of the annual fee, enhancing the overall cost-effectiveness of the card.

Features and Benefits of InterMiles HDFC Bank Platinum Credit Card

The InterMiles HDFC Bank Platinum Credit Card offers several features and benefits:

1. Welcome Offers:

New members can earn up to 3,000 InterMiles upon joining.
Welcome benefits include InterMiles Silver membership for the first year.

2. InterMiles Silver Membership Benefits:

Up to 3,000 InterMiles breakdown:

  • 1,500 InterMiles on spending Rs. 3,000 within 30 days of card activation.
  • Another 1,500 InterMiles on reaching the retail spending limit of Rs. 50,000 within the first 90 days.

Additional perks:

  • Flight discount voucher worth Rs. 500.
  • Hotel discount voucher worth Rs. 1,000.

3. InterMiles Earning Rates:

  • Earn 8 InterMiles per Rs. 150 spent on flight tickets or hotel bookings via the InterMiles website.
  • Earn 4 InterMiles per Rs. 150 spent on retail.

4. Etihad Airways Benefits:

  • Up to 50% off on Etihad Airways bookings.
  • Special discounts and rewards for cardholders on Etihad Airways Economy Class tickets.

5. Dineout Membership:

  • Complimentary Dineout Passport Membership with up to 30% off on dining.
  • Additional 5% off at premium restaurants using InterMiles HDFC Bank Platinum Club Credit Card.
  • Early access to events and festivals with spending Rs. 30,000 or more every calendar quarter.

6. Milestone Benefits:

  • Spend Rs. 3,000 within 30 days of the Anniversary date to receive 1,500 InterMiles.
  • Renewal benefits include a flight discount voucher worth Rs. 500 and a hotel discount voucher worth Rs. 1,000.

7. Renewal Fee Waiver:

  • Spend Rs. 2.5 lakh within 12 months of card setup or renewal to get the renewal fee waived off for the next year.

8. Other Benefits:

  • Complimentary Lounge Access: 8 domestic lounge visits per year (2 per quarter).
  • Fuel Surcharge Waiver: 1% fuel surcharge waived, but no InterMiles earned on fuel transactions.
  • Low-interest Rate: 3.60% interest rate on revolving credit.
  • Interest-free Credit Period: Up to 50 days of interest-free credit from the purchase date.

InterMiles HDFC Bank Platinum Credit Card Fees and Charges

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

  1. Annual Fee and Taxes: The InterMiles HDFC Bank Platinum Credit Card incurs an annual fee of Rs. 1,000 plus applicable taxes.
  2. Renewal Membership Fee: The renewal membership fee is also Rs. 1,000, but it can be waived if the cardholder spends Rs. 2.50 Lakhs or more in the preceding year.
  3. Foreign Currency Markup Fee: The foreign currency markup fee for the InterMiles HDFC Platinum Credit Card is 3.5%.
  4. Interest Rate: The card carries an interest rate of 3.6% per month, equating to an annual rate of 43.8%.
  5. Cash Advance Charges: Cash advance charges on this card are 2.5% of the transaction amount or Rs. 500, whichever is higher.

Eligibility Criteria for InterMiles HDFC Bank Platinum Credit Card

Here are essential criteria for applying for an InterMiles HDFC Bank Platinum Credit Card:

  1. Age Requirement: Applicants must be a minimum of 21 years old to be eligible.
  2. Creditworthiness: A favorable credit score increases the likelihood of card eligibility.
  3. Employment Criteria: The applicant must fall into one of the following categories: salaried or self-employed.

Documents Required for InterMiles HDFC Bank Platinum Credit Card

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

1. Documents for Identification:

2. Documents for Address Proof:

  • Aadhaar Card
  • Passport
  • Driver’s License
  • Utility Bill (not more than 3 months old)
  • Ration Card

3. Documents for Income Verification:

  • Latest one or two salary slips
  • Latest Form 16

How To Apply for InterMiles HDFC Platinum Credit Card?

Follow these steps to apply for the InterMiles HDFC Bank Platinum Credit Card:

  1. Navigate to the HDFC Bank website.
  2. Access the ‘credit cards’ section.
  3. Locate the InterMiles HDFC Platinum Credit Card page.
  4. Select the ‘Apply Now’ button.
  5. Fill in the required details.
  6. Expect a follow-up from a bank representative.

Frequently Asked Questions (FAQs) –

1. What is the InterMiles HDFC Bank Platinum Credit Card?

The InterMiles HDFC Bank Platinum Credit Card is a credit card offered by HDFC Bank in collaboration with InterMiles, providing users with various benefits and privileges.

2. How can I apply for the InterMiles HDFC Bank Platinum Credit Card?

You can apply for the InterMiles HDFC Bank Platinum Credit Card by visiting the HDFC Bank website, navigating to the ‘credit cards’ section, finding the InterMiles Platinum Credit Card page, and clicking on the ‘Apply Now’ button.

3. What information is required during the application process?

The application process involves providing necessary personal and financial information. This may include details like your name, contact information, income details, and more.

4. What benefits does the InterMiles HDFC Bank Platinum Credit Card offer?

The card offers a range of benefits, including InterMiles rewards on transactions, airport lounge access, discounts on travel bookings, and exclusive privileges with partner merchants.

5. Are there any annual fees associated with the InterMiles HDFC Bank Platinum Credit Card?

Details about annual fees and other charges can be obtained from the official HDFC Bank website or by contacting the bank directly. Terms and conditions may vary.

6. How do InterMiles rewards work with this credit card?

InterMiles rewards are earned based on your card usage. These can be redeemed for various travel and lifestyle-related rewards, including flights, hotel bookings, and more. The redemption process may vary.

7. Is there a grace period for bill payments with this credit card?

Details about the billing cycle, due dates, and grace periods can be found in the credit card terms and conditions provided by HDFC Bank. It’s essential to be aware of these details to avoid any late payment charges.

8. Can I track my InterMiles rewards and credit card transactions online?

Yes, HDFC Bank usually provides online banking services that allow cardholders to track their transactions, check their rewards balance, and manage their credit card account conveniently.

9. What should I do if my InterMiles HDFC Bank Platinum Credit Card is lost or stolen?

In case of loss or theft, it’s crucial to report it immediately to HDFC credit card customer care support. The bank will guide you through the process of blocking the card and issuing a replacement.

10. Are there any international usage charges with this credit card?

Information about international usage charges, currency conversion fees, and other related details can be found in the credit card terms and conditions or by contacting HDFC Bank’s customer service. It’s advisable to be aware of these charges before using the card internationally.