HDFC Intermiles Platinum Credit Card Review

HDFC bank offers several good co-branded credit cards of different categories. And the InterMiles hdfc intermiles platinum credit card is one of them. It is a budget-friendly, co-branded travel credit card, designed with the alliance of Intermiles. It offers some very useful and premium benefits like; free lounge accesses, discount on flight bookings, fuel surcharge waiver, annual fee waiver, the opportunity to earn Intermiles points, etc. The annual fee of the hdfc platinum card is relatively low, just Rs. 1000 per year. Now let’s have a closer look at the benefits of the card and see how much you can actually get out of this card.

Eligibility for credit card in hdfc bank:

  • Resident Type: Indian
  • For salaried person:
    • hdfc credit card age limit : The age of the applicant should be between 21 to 60 years. 
    • Income: To apply for hdfc credit card minimum salary should be above Rs. 30000 per month. 
  • For self-employed person:
    • hdfc credit card age limit : The age of the applicant should be between 21 to 65 years.
    • Income: Annual Income Tax Return should be more than Rs. 6 lakh. 
  • A long relationship with the bank will help you to get this card. 
  • The required minimum cibil score for hdfc credit card application is above 770.

If you don’t know how to apply for credit card in hdfc bank ? Then feel free to visit our FAQ page for the hdfc bank credit card online application process.

Hdfc bank credit card documents required for 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

Once your online hdfc credit card application is submitted successfully, you can track status of hdfc credit card application, from the hdfc bank credit card application tracking page. 

Hdfc credit card annual charges:

  • Joining Fee: Rs. 1000 + GST
  • Annual Fee: Rs. 1000 + GST

Benefits:

A list of list of credit card benefits is given below. 

  • A hearty welcome:

With the issuance of this hdfc platinum credit card , you will be welcomed with a big welcome gift of 3000 Intermiles points. You will also get some discount vouchers; an Rs. 500 discount voucher for flight booking and an Rs. 1000 discount voucher for hotel booking. 

You can also earn some extra Intermiles points depending on your card usage. The hdfc intermiles platinum credit card bonus hdfc card rewards scheme is discussed below.

Total spend  Total benefit
Rs. 3000 within the first 30 days of credit card activation . 1500 Intermiles hdfc credit card points .
A total of Rs. 50000 with your card within the first 90 days of credit card activation . Another 1500 Intermiles hdfc credit card points .
  • Opportunity to earn big reward benefit:

This hdfc platinum credit card offers Intermiles points on your everyday credit card uses*. The hdfc credit card reward point scheme is discussed in the table below. 

Total spend. Benefit.
For each Rs. 150 retail spends. 4 Intermiles hdfc rewards points.
For each Rs. 150 spend on Flight ticket booking from the Intermiles website. 8 Intermiles hdfc rewards points.
For each Rs. 150 spend on hotel bookings from the Intermiles website. 8 Intermiles hdfc rewards points.

 *You will not get any hdfc platinum credit card reward points for cash withdrawals, fuel purchases, fees payments, wallet top-ups, hdfc credit card emi conversion, etc. 

You can earn Intermiles points from insurance premium payments at a rate of a maximum of 2000 Intermiles points per day. Only credit card transactions above Rs150 are eligible for earning Intermiles points. 

  • Free hdfc platinum credit card lounge access:

With this card, your journey will be more comfortable than before. Under the hdfc visa card lounge access program, you will get up to 8 free lounge accesses per year to some of the most premium lounges (Maximum of 2 visits per quarter). Click here for the hdfc lounge access list .

Also under the hdfc mastercard credit card lounge program, you will get 8 free accesses to most of the domestic MasterCard lounges (Maximum 2 visits per quarter).

  • Attractive hdfc credit card offers on flight tickets:

If you use this Intermiles hdfc visa platinum credit card for flight booking, you will get up to a 5% discount on Etihad economy class tickets. You will also get 2.5X hdfc intermiles points for all other Etihad flight tickets. To avail of the hdfc bank credit card benefits , the tickets should be booked through the Intermiles website.

  • Premium dining experience:

You can enjoy dining at most premium restaurants with up to a 30% discount on your dining bills. You will get an assured 25% discount plus an additional 5% discount on your hdfc card dining bills. You will also get priority access to some of the premium VIP events like Gourmet Licious, etc. All the above-stated hdfc bank credit card benefits are applicable only if you can spend Rs. 30000 in every quarter. 

  • Opportunity to make your card lifetime free:

If you can spend Rs. 2.5 lakh within a year, then the annual fee of your hdfc intermiles platinum credit card will be waived off for the next year. That means if you can continue to spend Rs. 2.5 lakh. Per year then you can make your hdfc credit card lifetime free

  • Extra benefits on renewal fee payment:

With the payment of the hdfc credit card renewal fee, you will get some discount vouchers, you get an Rs. 500 discount voucher for flight booking and an Rs. 1000 discount voucher for hotel booking. Also of you can spend Rs. 3000 within the first 30 days of your anniversary year, you will get 1500 Intermiles points. But if the annual fee is waived off, you will not get those discount vouchers. 

You can easily pay hdfc credit card bills online, but if you want to go online, then you can pay hdfc credit card bill through neft, in this case you can use the hdfc credit card bill payment ifsc code while paying the bill. 

  • Freedom from fuel surcharges:

Use this hdfc intermiles platinum credit card for fuel purchase, and you will get a 2.5% waiver on fuel surcharges. This offer is applicable at most of the fuel stations in India. This is not the best credit card in india for fuel purchase. And if you want to have a proper hdfc fuel credit card , then you shouls take a look at our top 10 fuel credit card page.

  • Hdfc credit card lost card liability coverage:

HDFC bank offers complete liability coverage against lost or stolen cards. So, if your card ever gets lost or stolen, then all you need to do is to report the lost hdfc credit card by calling the hdfc bank credit card customer service number and you will no longer be liable for any fraudulent transactions that may happen to your card. 

You can also block the hdfc credit card through net banking account or by using your hdfc credit card mobile app . You can visit our FAQ page for the complete hdfc credit card process

  • Lifetime free hdfc add on credit card:

You can add up to 3 of your family members (18+) with your hdfc intermiles platinum credit card for free, and they can also have the joy and facilities of having a credit card. But the supplementary card members will not be able to enjoy the above-stated benefits, thos specially meant for the primary cardholder. 

  • Advanced contactless credit card payment facility:

This card is equipped with an advanced contactless payment facility. This credit card feature allows you to make hdfc credit card payment with just a wave at any secure reader machine. This feature is quick, efficient, and very helpful in preventing credit card skimming. 

For security reasons, the domestic contactless usage for credit card is limited to Rs. 5000 per transaction. You can also set a limit for credit card contactless payment options from your online banking account. 

Applicable charges for hdfc credit card:

Particulars  Payable amount
Hdfc credit card cash withdrawal charge. 2.5% against the withdrawn amount, min Rs. 500. Check your hdfc credit card cash withdrawal limit before making a withdrawal.
Finance charges on hdfc credit card . 3.6% monthly or 43.2% annually. Applicable if the hdfc credit card due amount is not paid within the hdfc credit card due date .
Foreign currency transaction charge. 3.5% against the transaction amount.
Add-on card fee. Free for a lifetime.

Hdfc credit card help line contact details:

  • Call the hdfc bank credit card customer care number : 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card mailing address : [email protected] 

100xGain Ratings: 

7/10

Final Opinion:

If you are looking for a low-cost hdfc travel credit card , then this card will be a good option for you. It offers free access to domestic Visa and MasterCard lounges, exclusive discounts on flight bookings, discounts on dining, fuel surcharge waiver, etc. 

The only drawback of this card is that it does not offer any international lounge access and all the flight booking benefits of this card are on Etihad airways. But it won’t be a problem as the Etihad flight network covers almost the entire globe. So if this card comes within your budget, then you should definitely go for the hdfc intermiles platinum credit card

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