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.  

HDFC Bank All Miles Card Eligibility Criteria:

  • Resident Type: Indian
  • 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. 
  • 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 .

 Required Documents To Apply For The Hdfc Bank All Miles Credit Card:

  • 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

HDFC All Miles Card Fees:

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

HDFC All Miles Credit Card Benefits :

The benefits of hdfc all miles credit card are discussed below. 

  • Attractive rewards:

You will earn hdfc all miles reward points for almost every card swipe. For each Rs. 150 transactions, you will get 3 reward points. You can also earn 2X rewards for the same on mobile recharge, shopping, and hotel bookings. 

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 all miles credit card reward points catalogue

  • Freedom from fuel surcharge:

If you use your hdfc visa all miles credit card to pay your fuel bill, 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

  • Joining and annual fee waiver:

The hdfc all miles credit card offers you the chance to make your card lifetime free. On spending Rs. 15,000 within the first 90 days of the all miles hdfc card activation, you can get rid of the first-year joining fee. Also, on spending Rs. 1,00,000 within a year, you will get a complete waiver on the next year’s annual fee. 

  • Easy application process:

HDFC bank offers a seamless application process for its customers. You can apply for this all miles card from the HDFC bank online application portal. Also if you don’t have access to the online method, you can visit your nearby HDFC branch and submit your application for hdfc bank credit card there. 

Both of the mentioned processes take around 5 to7 days for approval. During this time, you can track your hdfc credit card application status from the HDFC bank credit card status tracking page

  • Convenient bill payment options:

You can pay hdfc bank credit card bill from your online banking account, or by using any credit card payment app. But if you want to go for the most time-consuming way, then you can make your hdfc credit card payments through neft , cheque, or from your nearest HDFC branch.

  • Security of the advanced EMV chip:

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, if you notice something suspicious with your hdfc bank visa all miles credit card account you should immediately inform it by calling the customer service number. You can also temporarily disable your account by using the HDFC credit card mobile app.  

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).
HDFC signature all miles credit card finance charges 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.

HDFC Visa Signature All Miles Card Customer Service Contact Details:

  • 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: [email protected] 

100xGain Ratings: 

6.5/10

Final Opinion:

As said before, this card is best for those who want to gain some experience with credit cards. 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 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. 

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