InterMiles HDFC Bank Signature Credit Card Review

The InterMiles HDFC Bank Signature Credit Card offers various benefits such as earning up to 8,000 InterMiles, earning rewards for retail and flight/hotel bookings, complimentary Priority Pass membership with lounge visits, Dine out Passport membersh...

InterMiles HDFC Bank Signature Credit Card Review


General Information

Our Rating: 7.4/10

Joining Fee: Rs. 2,500 + GST

Annual Fee: Rs. 2,500 + GST

Best For: Travel

Rewards and Benefits

Type of Rewards: Reward Points

Welcome Offers: Earn up to 8,000 bonus Inter Miles on the basis of your spending as a welcome gift.Exciting discount vouchers for Flight & Hotel bookings.

Entertainment and Dining: You get exclusive Dine Out Passport membership with great dining offers.

Shopping Perks: Get 6 Inter Miles for every retail spend of Rs. 150 and 2x InterMiles on hotel/flight bookings at intermiles.com.

Travel Benefits: You get complimentary domestic as well as International lounge access through VISA Lounge Program, MasterCard Lounge Program, and Priority Pass.

Domestic Lounge Access: 16 complimentary domestic lounge access at selected lounges in India.

International Lounge Access: Up to 5 complimentary visits to International lounges via priority pass

Golf Benefits: N/A

Insurance Coverage: N/A

Fees and Charges

Waiver on Spend: You can get the renewal fee waived off if you have spent Rs. 3 lacs or more in the previous year.

Redemption Fee: Rs. 99 (plus applicable taxes)

Foreign Transaction Fee: 2

Interest Rate: 3.6% per month

Fuel Surcharge Waiver: 2.5% fuel surcharge will be replaced by a convenience fee of 1% plus GST.

Cash Advance Fee: 2.5% of the transacted amount or Rs. 500 (whichever is higher)

Summary

Enjoy the Welcome benefit of earning up to 8,000 InterMiles. Earn 6 Inter Miles for every Rs. 150 spent on retail purchases with your InterMiles HDFC Bank Signature Credit Card. Get 2x Inter Miles for every Rs. 150 spent on flight bookings through the intermiles website. Earn 2x Inter Miles for every Rs. 150 spent on hotel bookings on www.intermiles.com/hotels. Receive a complimentary Priority Pass membership. Enjoy 16 complimentary domestic lounge visits per year. Get 5 free visits to international lounges annually through the Priority Pass membership. Receive an exclusive Dine out Passport membership. Have the renewal fee waived off by spending Rs. 3 lakhs or more in the previous year. Get a 1% fuel surcharge waiver.

Our Review

The InterMiles HDFC Bank Signature Credit Card is a great option for frequent travelers.

With a joining fee of Rs. 2,500 + GST and a renewal fee of Rs. 2,500 + GST, this card offers excellent benefits and rewards.

One of the standout features of this card is the reward type, which is Reward Points.

You can earn Inter Miles for every retail spend of Rs. 150, with a rate of 6 Inter Miles.

Additionally, you can earn 2x Inter Miles on hotel and flight bookings made at intermiles.com.

As a welcome benefit, you can earn up to 8,000 bonus Inter Miles based on your spending.

This is a great way to start enjoying the rewards of this card from the get-go.

The card also offers exciting discount vouchers for flight and hotel bookings, making your travel experiences even more affordable.

For dining enthusiasts, this card comes with an exclusive Dine Out Passport membership, offering great dining offers at select restaurants.

It's a fantastic way to enjoy delicious meals while saving money.

When it comes to travel, this card has you covered.

You can enjoy complimentary domestic as well as international lounge access through the VISA Lounge Program, MasterCard Lounge Program, and Priority Pass.

You'll have access to 16 complimentary domestic lounge visits and up to 5 complimentary visits to international lounges via priority pass.

The InterMiles HDFC Bank Signature Credit Card also offers a spend-based waiver for the renewal fee.

If you spend Rs. 3 lacs or more in the previous year, you can get the renewal fee waived off.

There are a few fees to keep in mind with this card.

The rewards redemption fee is Rs. 99 (plus applicable taxes), and the foreign currency markup is 2% on all foreign currency spends.

The interest rate is 3.6% per month, and there is a fuel surcharge of 2.5%, which is replaced by a convenience fee of 1% plus GST.

In terms of cash advance, there is a fee of 2.5% of the transacted amount or Rs. 500, whichever is higher.

Overall, the InterMiles HDFC Bank Signature Credit Card offers a range of benefits and rewards, making it an excellent choice for frequent travelers.

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