HDFC Intermiles Signature Credit Card Review

If you want a budget travel credit card that can offer you all the premium benefits then you should take a look at the InterMiles hdfc signature credit card . It is a co-branded credit card, launched in alliance with Intermiles. This hdfc visa signature credit card offers some premium travel benefits like free domestic and international lounge accesses, fuel surcharge waiver, benefits on dining, etc.

You can also earn Intermiles points with this card. So let’s take a closer look at its benefits and see if the benefits offered by this card can justify the Rs. 2500 annual fee or not.

Eligibility criteria for hdfc credit card application:

  • Resident Type: Indian
  • For salaried person:
    • Age: Between 21 to 60 years.
    • Income: The average monthly income should be Rs. 90,000.
  • For self-employed person:
    • Age: Between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 12 lakh. 
  • A long relationship with the bank. 
  • An excellent credit score (Above 780) is needed to apply for this hdfc intermiles card. 

You can check your eligibility from the hdfc bank credit card eligibility calculator online portalIf you are having trouble with the hdfc bank credit card online application process, then feel free to visit our FAQspage to know how to apply for credit card in hdfc bank.

Required Documents:

  • 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: Since this is not a hdfc secured credit card you can’t get this hdfc credit card without income proof .
    • 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 hdfc credit card new application is submitted successfully, You can track the online hdfc credit card application status from the hdfc credit card tracking page. Click here for the complete process. 


  • Applicable hdfc credit card joining feeRs. 2500 + GST
  • Applicable hdfc credit card annual fee: Rs. 2500 + GST


The benefits of hdfc credit card are discussed below. 

  • Attractive welcome gift:

If you choose this intermiles credit card you will be welcomed with huge hdfc credit card gifts . With the payment of the first year joining fee you will get an Intermiles Silver tier membership and 8000 Intermiles points as a welcome gift. 

You will also get 2 discount vouchers, an Rs. 750 discount voucher for flight tickets and an Rs. 2000 discount voucher for hotel booking. Depending on your spending, you can also earn some extra benefits too. 

Total spend Benefit
Rs. 6000 within the first 30 days of card activation. 3000 bonus Intermiles.
A total of Rs. 90000 within the first 90 days of card activation. 5000 bonus Intermiles.

You can very easily make hdfc credit card payment online , but if you don’t like the online method, then you can pay hdfc credit card bill offline. Visit our FAQ page to know the process.

  • Accelerated reward scheme:

Earning reward points is very easy with this intermiles hdfc credit card . The hdfc bank credit card rewards scheme is discussed in the table below.

Total spend Total benefit
Rs. 150 retail transactions.  6 Intermiles points.
Rs. 150 spent on flight ticket booking through intermiles website. 12 Intermiles points. 
Rs. 150 spent on hotel booking from intermiles website. 12 Intermiles points. 

You will not get any credit card reward points for fuel purchases, EMI conversion, credit card bill payments, wallet to-ups, cash withdrawals, etc. You can earn reward points from Insurance premium payments at a maximum rate of 2000 points per day. 

You can redeem hdfc credit card points very easily. You can use hdfc credit card reward points for flight booking, or to get vouchers from top brands. Click here for the hdfc credit card reward points catalogue .

You can check the hdfc credit card status of total earned reward points from your monthly hdfc credit card statement or from your hdfc credit card net banking online portal

  • Free domestic and international hdfc credit card airport lounge access:

This card can make your journey more premium as you will get free hdfc credit card lounge access to domestic and international lounges. 

Under the hdfc credit card visa lounge access program, you will get 16 free accesses to visa lounges (maximum 4 free accesses per quarter).

Under the hdfc mastercard lounge access program, you will get another 16 free visits to MasterCard lounges (maximum 4 visits per quarter).

Also with the complimentary hdfc credit card priority pass membership (of $99), you will get up to 5 free accesses per year to more than 600+ international lounges. 

You may have to pay a nominal fee for lounge access if you have any complaints/queries for lounge access, then you can contact the hdfc credit card customer care executive number given below. 

  • Exclusive hdfc bank credit card offers on flights:

If you use this card to book Etihad airways flight tickets, you will get some exclusive benefits.

Particulars Total benefit
Etihad economy class tickets. 5% discount.
Etihad business class tickets. 10% discount.
All other Etihad flight tickets. 2.5x Intermiles points.

The hdfc card flight offers are applicable to the tickets booked through the Intermiles website. Click here to know details on credit card terms and conditions

  • Attractive dining offer on hdfc credit card:

With this card, you can dine at some of the premium restaurants with huge discounts on your hdfc credit card bills . You will get a 25% plus 10% extra discount at some of the premium restaurants in India. You will also get priority access to some premium events like Gourmet Licious, etc. The above-stated hdfc credit card discount offers are applicable if you can spend Rs. 75000 with your card in every quarter. 

  • Opportunity to make hdfc bank credit card lifetime free:

If you can spend Rs. 3 lakh within a year then the annual fee for the next year will be waived off. That means you can make your hdfc credit card lifetime free by spending Rs. 3 lakh in a year. 

  • Extra benefits on renewal fee payment:

You can earn some extra hdfc credit card benefits with the payment of annual fees. You will get a Rs. 750 hdfc voucher for flight bookings and an Rs. 1000 hdfc voucher for hotel booking. 

You can also earn some additional benefits depending on your spending. If you can spend Rs. 6000 with your card within the first 30 days of your card’s anniversary year, you will get 3000 intermiles points. 

But if the annual fee is waived off, you will not get those hdfc credit card discount coupons.

  • Freedom from fuel surcharges:

If you use this card to purchase fuel, you will get a 2.5% waiver on fuel surcharges. This credit card fuel surcharge offer is applicable at all fuel stations in India. 

  • Lost card liability coverage:

HDFC bank offers lost card liability coverage on this hdfc intermiles credit card , which means if you ever lose your card, all you need to do is to report the loss to the customer service team, and you will no longer be liable for anything bad that happens to your card. 

You can also block your card from your hdfc credit card internet banking account or from your HDFC credit card mobile app. You can also visit our FAQ page for the complete process.

  • Lifetime free hdfc add on credit card offer:

You can add your family members with your card as add-on members (age 18+) and they can also have the joy of having a credit card. But the add-on members will not get the above-stated benefits, the benefits of the card are especially for the primary cardholder. 

If you don’t know how to apply hdfc credit card add-on cards, then visit our FAQ page for the hdfc add on credit card apply online process. 

  • The new and secured contactless payment option:

This card comes with the new contactless payment technology. It allows you to make hdfc bank credit card payments with just a wave at any secure reader machine. 

For security reasons the contactless credit card transaction is limited to Rs. 5000 per day. You can also control the contactless payment option from your online banking account

Hdfc bank credit card charges:

Particulars Payable amount
hdfc credit card cash withdrawal charges 2.5% against the withdrawn amount, min Rs. 500. Check your hdfc credit card cash withdrawal limit per day before making a withdrawal.
Finance Charges The hdfc credit card interest rate is 3.6% monthly or 43.2% annually.
hdfc credit card charges for international transactions 2% against the transaction amount.
Add-on card fee Free for a lifetime.

If you can’t use your card for international transactions, and if you are thinking, does hdfc credit card work internationally ? Then visit our FAQ page to know how to enable international transaction on hdfc credit card.

Contact Details:

100xGain Ratings: 


Final Opinion:

If you are looking for a card that will cost you less and offer some premium benefits, then you should take a look at this card. This hdfc card offers exclusive hdfc bank priority pass lounge access, free domestic and international lounge access, hdfc credit card discount on flights , fuel surcharge waiver, lost card liability coverage, and some other useful credit card features. 

But this intermiles credit card has some drawbacks too; the hdfc card flight offers are only applicable on Etihad flight tickets that are booked from the Etihad website. But this won’t be a problem because Etihad flights are available almost everywhere around the globe. So if you have the budget and eligibility, then you should definitely go for this card. 

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