HDFC All Miles Credit Card Review

The hdfc bank all miles credit card is an entry-level credit card, designed to offer a seamless credit card experience. This card is best suited for those who have a good credit score but do not have enough experience in handling a credit card. It packs some attractive features and benefits like all miles hdfc credit card reward points on every transaction, fuel surcharge waiver, annual fee waiver, etc. This card is powered by Visa, and the annual fee of this card is Rs. 1,000. More about hdfc bank all miles credit card benefits are discussed below.  

How does the hdfc bank all miles card eligibility work?

  • Resident Type: Indian
  • HDFC all miles card eligibility criteria for salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 21,000 monthly. 
  • HDFC all miles credit card eligibility criteria for self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 3 lakh. 
  • A long relationship with the bank will help you to get this all miles hdfc credit card
  • An excellent credit score (above 760) is needed to apply for this hdfc all miles credit card .

What documents are required for the hdfc bank allmiles credit card application?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the hdfc all miles card fees?

  • HDFC all miles card joining fee: Rs. 1000 + GST
  • HDFC all miles card annual fee: Rs. 1000 + GST

What are the hdfc all miles credit card benefits?

  • Make every transaction rewarding:

You will earn hdfc all miles reward points for almost every card swipe. 

Category of transaction

Rate of earning reward points

Mobile recharge, shopping, hotel booking 2x hdfc card rewards for every Rs.150 transaction
All other categories 3 hdfc reward points for every Rs.150 transaction

The hdfc all miles credit card reward points are extremely useful, you can use them for flight or hotel booking by converting them into hdfc air miles, you can also use them to get a product from the hdfc bank all miles credit card rewards catalog

  • Enjoy freedom from fuel surcharges:

If you use your hdfc visa all miles credit card to purchase fuel, you will get a 1% waiver on fuel surcharges. The fuel benefits of all miles hdfc credit card are available at most of the fuel stations in India. The minimum eligible transaction amount is Rs. 400 and you can earn a maximum of Rs. 500 transactions in a billing cycle of hdfc credit card

  • Make your card lifetime free:

This hdfc all miles credit card offers some bonus rewards on achieving certain spending milestones.

Spending milestone

Benefit

Rs.15,000 within the first 90 days of all miles hdfc card activation A complete waiver on first-year hdfc all miles card joining fees
Rs.1,00,000 within a year A complete waiver on your next year’s hdfc credit card annual fee
  • Seamless application process:

HDFC bank offers a seamless application process for its customers. Once your all miles card application is submitted you will get a unique application id, you can use that to track your hdfc credit card application status.

  • Instant bill payment options:

You can pay hdfc bank credit card bill from your hdfc netbanking account, or by using any credit card payment app like Cred, Paytm, Phone pe, Google pay, etc.

  • Cutting edge security:

On this all miles credit card hdfc bank has installed the advanced EMV chip. This specially designed chip uses a very strong encryption method to store your data which makes your hdfc allmiles credit card nearly impossible to copy. 

But fraudulent transactions can happen at any time and if you notice something suspicious with your hdfc bank visa all miles credit card account then you should immediately inform it by calling the hdfc credit card helpline number. You can also temporarily disable your account by using the hdfc credit card app.  

What are the hdfc all miles credit card charges?

Particulars

Payable amount

HDFC all miles credit card cash withdrawal charges 2.5% against the withdrawn amount (Min Rs. 500, also check your available hdfc credit card withdrawal limit before performing a cash withdrawal)
HDFC signature all miles credit card finance charges The hdfc all miles card interest rate can go up to 3.49% monthly. 
HDFC all miles credit card international transaction charges 3.5% against the withdrawn amount.
HDFC all miles add-on card fee Free for a lifetime.

How to contact the hdfc credit card customer care department?

  • Call the toll free no for hdfc credit card customer service: 1800-266-4332 (Toll Free) or 022-6160-6161
  • Write to the hdfc bank credit card mail id: customerservices.cards@hdfcbank.com 

100xGain Ratings: 

7.5/10

Pros and cons of the hdfc bank visa all miles credit card:

Pros

Cons

  • This hdfc bank all miles credit card features a very good reward earning rate.
  • hdfc bank all miles credit card offers a handsome waiver on fuel surcharges.
  • You can also get a complete waiver on the annual fee.
  • There are no dining and entertainment benefits on this all miles hdfc bank credit card.

Final Opinion:

After analyzing the hdfc bank all miles credit card benefits I can say that this card is best for those who want to gain some experience with credit cards. Especially, for a beginner, this card is best suited since it is probably the most hustle-free credit card from HDFC bank. 

But in terms of benefits, there is nothing much to talk about this hdfc bank visa all miles credit card. It offers some all miles hdfc credit card fuel surcharge waiver, reward points, and an annual fee waiver option. So if you are looking for some good entry-level credit cards, then you should take a look at the 100xGain top 10 beginner’s credit card page. You can also compare the alternative card options given below.

Alternative cards of the all miles hdfc bank credit card

  1. HDFC bank freedom card (Best for reward point and dining benefits)
  2. HDFC platinum edge credit card (Best for reward point and dining benefits)
  3. HDFC platinum plus credit card (Best for offering reward points)
  4. SBI bpcl octane credit card (Best for offering fuel benefits)

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