MyFinCards
All Miles Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 1 Lakhs)

0
HDFC Bank
Travel
Rewards
Best For: Travel, dining and shopping spends, Frequent hotel bookers, Mobile recharge users

All Miles Credit Card

Rewards Structure

Base Reward Rate

3% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹5,000 /monthly

Pros

  • 3X Reward Points on every ₹150 spent
  • 2X Reward Points on hotel bookings, mobile recharge and shopping
  • 1% Fuel Surcharge waiver
  • Zero lost card liability
  • Free first-year membership fee on spending ₹15,000 within first 90 days
  • Free renewal on annual spend of ₹1,00,000

Cons

  • Card sourcing has been stopped; no new applications accepted
  • 2.5% cash withdrawal fee with minimum ₹500
  • Finance charge of 3.49% per month

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Contactless payments capped at ₹5,000 per transaction without PIN

Key Benefits & Features

Contactless Payments enabled at retail outlets

50-day revolving credit available at a nominal interest rate

CashBack equivalent to the first year's fee on initial spending of ₹15,000 within first 90 days

Notable Exclusions

No points on Fuel

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About All Miles Credit Card

The HDFC Bank All Miles Credit Card is a rewards-focused credit card designed for those who love to earn points on everyday spending, particularly on travel, dining, and shopping. Please note that sourcing of this card has been stopped, though existing customers continue to enjoy its full range of benefits. The card offers an attractive rewards structure, including 3X Reward Points for every ₹150 spent, with 2X Reward Points specifically on hotel bookings, mobile recharges, and shopping. Cardholders also benefit from a 1% fuel surcharge waiver on fuel transactions and up to 50 days of revolving credit at a nominal interest rate. The card is enabled for contactless payments at retail outlets, and EMV Chip Card technology provides protection against unauthorised use, complemented by zero lost card liability on fraudulent transactions when reported promptly. On the fees front, the first-year membership is free if ₹15,000 is spent within the first 90 days, and renewal is complimentary upon spending ₹1,00,000 annually. Cash withdrawals carry a 2.5% fee with a minimum of ₹500, and a finance charge of 3.49% per month applies. Overall, the All Miles Credit Card is best suited for frequent travellers, hotel bookers, mobile recharge users, and active shoppers seeking meaningful rewards on their daily expenditure.

Expert Review

Our Verdict

Earn 3X reward points on all spends with bonus points on hotels, recharge & shopping.

Frequently Asked QuestionsAbout All Miles Credit Card

OTHERWhat is the All Miles Credit Card?
The All Miles Credit Card is a rewards Credit Card that allows you to earn significant reward points on all your purchases, especially on travel, dining and shopping-related spends. It offers 3X Reward Points for every ₹150 spent, 2X Reward Points on hotel bookings, mobile recharge and shopping, and additional benefits like fuel surcharge waiver and contactless payment support. Please note that sourcing of this card has been stopped and new applications are no longer accepted.
APPLICATIONCan I apply for the All Miles Credit Card?
No, HDFC Bank is currently not accepting new applications for the All Miles Credit Card. Sourcing of this card has been stopped. However, existing customers of this card will continue to enjoy all the benefits. If you are looking for a new credit card, you can explore a range of other HDFC Bank credit cards available on their website to find one that suits your needs.
OTHERWhat is the credit limit on the All Miles Credit Card?
The credit limit on the All Miles Credit Card is determined by HDFC Bank based on your individual eligibility, income and creditworthiness. There is no fixed pre-set limit applicable to all cardholders. The bank evaluates each applicant's financial profile independently to assign an appropriate credit limit. For existing cardholders, you can check your current credit limit through HDFC Bank NetBanking, the mobile app, or by contacting the 24-hour customer care helpline.
REWARDSHow many reward points do I earn on the All Miles Credit Card?
The All Miles Credit Card offers a tiered reward points structure. You earn 3X Reward Points for every ₹150 spent on all purchases. Additionally, you earn 2X Reward Points specifically on hotel bookings, mobile recharge and shopping transactions. These reward points can be redeemed through HDFC Bank's rewards platform. This makes the card particularly beneficial for frequent travelers and shoppers who can maximize their points accumulation across multiple spending categories.
FEESIs the first-year membership fee waived on the All Miles Credit Card?
Yes, the first-year membership fee on the All Miles Credit Card is waived if you spend ₹15,000 within the first 90 days of card issuance. This effectively makes it free for cardholders who meet the minimum spend threshold early on. Additionally, the page mentions a CashBack equivalent to the first year's fee on initial spending, which further offsets any upfront costs for eligible cardholders who meet the spending criteria.
FEESHow can I get a free renewal on the All Miles Credit Card?
Existing All Miles Credit Card holders can avail a free membership renewal by spending ₹1,00,000 or more in a year. If your annual spending meets or exceeds this threshold, the renewal fee is waived automatically. This benefit rewards loyal and active cardholders who regularly use their card for everyday and travel-related expenses. Ensure your transactions are completed within the card anniversary year to qualify for the waiver.
FEESWhat are the cash withdrawal charges on the All Miles Credit Card?
Cash withdrawals using the All Miles Credit Card attract a fee of 2.5% of the withdrawn amount, with a minimum charge of ₹500 per transaction. In addition to this transaction fee, a finance charge of 3.49% per month is applicable on outstanding balances, including cash advances. It is advisable to use cash withdrawals only in emergencies and to repay the outstanding amount promptly to avoid accumulating high interest charges.
FEESWhat is the finance charge on the All Miles Credit Card?
The All Miles Credit Card has a finance charge of 3.49% per month on outstanding balances. This charge applies to revolving credit balances, cash advances, and any unpaid dues carried forward from the previous billing cycle. The card also offers a 50-day revolving credit period at a nominal interest rate. To avoid finance charges, it is recommended to pay your full outstanding balance before the payment due date every month.
BENEFITSDoes the All Miles Credit Card offer a fuel surcharge waiver?
Yes, the All Miles Credit Card offers a 1% fuel surcharge waiver on fuel transactions. This benefit helps cardholders save on the additional surcharge typically levied at petrol pumps across India. This waiver makes the card practical for daily commuters and frequent drivers who regularly spend on fuel. The waiver is applicable as per the terms and conditions set by HDFC Bank, so it is advisable to review the most important terms and conditions for complete details.
USAGEIs the All Miles Credit Card enabled for contactless payments?
Yes, the All Miles Credit Card is enabled for contactless payments at retail outlets. In India, contactless payment is allowed for a maximum of ₹5,000 per single transaction without requiring you to enter your Credit Card PIN. For transactions of ₹5,000 or more, you must enter your Credit Card PIN for security purposes. Look for the Contactless Network Symbol on your card to confirm contactless payment capability is active on your card.
BENEFITSWhat protection does the All Miles Credit Card offer against unauthorized transactions?
The All Miles Credit Card offers robust protection against unauthorized use through EMV Chip Card technology, which provides an added layer of security for in-store transactions. Additionally, the card offers zero lost card liability, meaning if your card is lost or stolen and fraudulent transactions are made, you will not be held liable provided you report the loss immediately to HDFC Bank's 24-hour Call Centre. Prompt reporting is essential to activate this protection benefit.
USAGEHow can I redeem my reward points earned on the All Miles Credit Card?
Existing All Miles Credit Card holders can redeem their accumulated reward points through HDFC Bank's SmartBuy portal or the MyCards platform. The bank offers an intuitive interface to effortlessly view and redeem reward points with just a click. Points can typically be redeemed for travel bookings, shopping vouchers, merchandise, and more. You can also access the reward redemption option through HDFC Bank NetBanking or the mobile banking app under the credit card rewards section.
USAGEHow can I manage my All Miles Credit Card?
The All Miles Credit Card can be managed through HDFC Bank's unified card management platform, which supports Credit Cards, Debit Cards, FASTag and Business Loans from a single interface. The platform features a simple and intuitive interface to monitor and manage all expenses, view and redeem reward points, and perform card-related services. You can access card management features via HDFC Bank NetBanking, the MyCards portal, or the HDFC Bank mobile banking application.
OTHERWhat revolving credit facility is available on the All Miles Credit Card?
The All Miles Credit Card offers a 50-day revolving credit facility at a nominal interest rate. This allows cardholders to carry forward a portion of their outstanding balance beyond the due date without paying the full amount immediately. However, finance charges of 3.49% per month will apply on the revolving balance. It is recommended to pay the full outstanding amount whenever possible to avoid interest charges and maintain a healthy credit profile.
FEESWhere can I find the detailed fees and charges for the All Miles Credit Card?
Detailed fees and charges for the All Miles Credit Card are available on the official HDFC Bank website. Key charges include a 2.5% cash withdrawal fee (minimum ₹500), a finance charge of 3.49% per month, and waiver options for membership fees based on spending milestones. Existing cardholders can also refer to the Most Important Terms and Conditions document available on the HDFC Bank website for a comprehensive overview of all applicable fees, charges and terms governing the card.

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