HDFC Bank All Miles Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

For every Rs. 150 spent using your HDFC Bank All Miles Credit Card, you will receive 3 Reward Points. When you spend Rs. 150 on shopping, mobile recharge, or hotel bookings, you will earn 2 times the amount of Reward Points. If you spend Rs. 15,000 within a period of 3 months, your joining fee will be waived off. If you spend Rs. 1 lakh or more in one year, your renewal fee will be waived off. You will receive a waiver of 1% fuel surcharge.

I recently had the opportunity to review the HDFC Bank All Miles Credit Card, and I must say, it is quite impressive.

This card comes with a joining fee of Rs. 1,000 + GST, and a renewal fee of Rs. 1,000 + GST.

However, the joining fee is waived off if you spend Rs. 15,000 or more within the first 90 days, and the renewal fee is waived off if you spend a minimum of Rs. 1 lakh in the previous year.

The HDFC Bank All Miles Credit Card is particularly well-suited for shopping enthusiasts like myself.

With every Rs. 150 spent, you can earn 3 Reward Points.

And when it comes to shopping, mobile recharge, and hotel bookings, you are in for a treat! Each Rs. 150 spent in these categories will earn you a whopping 6 Reward Points.

Plus, there is an added benefit of a 1% fuel surcharge waiver on all fuel transactions above Rs. 400, with a maximum waiver capped at Rs. 500.

One of the standout features of this card is its reward points system.

You can accumulate reward points on your purchases and redeem them for a variety of options.

However, it is worth noting that there is a redemption fee of Rs. 99 (plus applicable taxes) on every redemption request.

When it comes to foreign currency spends, there is a foreign currency markup of 3.5% (plus applicable taxes) on all transactions.

This is something to keep in mind if you frequently travel abroad or make purchases in foreign currency.

In terms of interest rates, the HDFC Bank All Miles Credit Card offers an interest rate of 3.6% per month (or 43.2% per annum).

It is essential to be mindful of this factor and use the card responsibly to prevent incurring excessive interest charges.

It is also worth mentioning that this card does not provide any specific benefits for movies, dining, travel, domestic or international lounges, golf, or insurance.

Overall, the HDFC Bank All Miles Credit Card is an excellent choice for those who love to shop and want to earn reward points on their purchases.

With its spend-based waiver for joining and renewal fees, it offers some flexibility.

However, it may not be the best option for individuals seeking additional perks such as movie and dining benefits or travel privileges.