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InterMiles HDFC Bank Platinum Credit Card

Joining Fee

Free

Annual Fee

Rs. 1500 (Reversed on annual spends of Rs. 0.5 Lakhs)

HDFC Bank
Travel
Rewards
Best For: Frequent travelers, InterMiles loyalty program members

InterMiles HDFC Bank Platinum Credit Card

Rewards Structure

Base Reward Rate

4% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹5,000 /monthly

Pros

  • Earn 8 InterMiles per ₹150 on flight and hotel bookings via InterMiles portal
  • Up to 3,000 bonus InterMiles on joining
  • Dining discounts up to 20% via Dineout Pay

Cons

  • Renewal benefits applicable only on realisation of membership fee
  • InterMiles once credited cannot be converted to Reward Points

Key Benefits & Features

Up to 3,000 bonus InterMiles as banking benefits

₹500 flight discount vouchers for the first year

₹1,000 hotel discount vouchers for the first year

Eligibility Criteria

Min. Annual Income

₹4.2 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

INCOME Proof

Salary Slips
ITR Form
Official Terms & Conditions

About InterMiles HDFC Bank Platinum Credit Card

The InterMiles HDFC Bank Platinum Credit Card is a co-branded travel and rewards credit card designed through a partnership between HDFC Bank and the InterMiles loyalty program. This card is tailored for frequent travelers and members of the InterMiles ecosystem who are looking to maximize the value of their everyday spending while earning travel-focused rewards. The card sits within HDFC Bank's broader portfolio of fuel and travel-oriented credit cards, positioning itself alongside other co-branded offerings that cater to customers with specific lifestyle and travel preferences. As a Platinum-tier product, it targets cardholders who regularly engage with the InterMiles program and seek to accumulate miles that can be redeemed for flights, hotel stays, and other travel-related experiences. While detailed fee structures and specific benefit tiers were not prominently outlined in the available page content, the card is recognized as part of HDFC Bank's curated selection of travel credit cards, emphasizing rewards accumulation and loyalty program integration. It is best suited for individuals who are already participants in the InterMiles loyalty program or those who wish to consolidate their travel spending into a card that directly supports and enhances their miles-earning journey with a trusted banking partner.

Expert Review

Our Verdict

Earn InterMiles on every spend with bonus miles on flights & hotels booked via InterMiles portal.

Frequently Asked QuestionsAbout InterMiles HDFC Bank Platinum Credit Card

ELIGIBILITYWhat are the eligibility criteria for the InterMiles HDFC Bank Platinum Credit Card?
For salaried applicants: You must be an Indian national aged between 21 and 60 years with a net monthly income of more than ₹35,000. For self-employed applicants: You must be an Indian national aged between 21 and 65 years with an annual income of more than ₹6 lakh as per ITR. Meeting these criteria is necessary to be considered for the card.
ELIGIBILITYWhat is the minimum age requirement to apply for this card?
The minimum age requirement to apply for the InterMiles HDFC Bank Platinum Credit Card is 21 years. The maximum age is 60 years for salaried individuals and 65 years for self-employed applicants. Applicants must also be Indian nationals to be eligible for this credit card.
REWARDSHow many InterMiles do I earn on retail purchases?
You earn 4 InterMiles for every ₹150 spent on regular retail purchases using the InterMiles HDFC Bank Platinum Credit Card. For travel-related spends, the earning rate is higher — you earn 8 InterMiles for every ₹150 spent on flight tickets and hotel bookings made through the InterMiles portal, making it especially rewarding for frequent travelers.
REWARDSHow many InterMiles do I earn on flight and hotel bookings?
You earn 8 InterMiles for every ₹150 spent on flight tickets booked through the InterMiles portal. Similarly, you earn 8 InterMiles for every ₹150 spent on hotel bookings made via the InterMiles hotel booking portal (interbook.intermiles.com). This is double the standard retail earning rate of 4 InterMiles per ₹150, making it a great card for travel bookings.
REWARDSWhat are the bonus InterMiles I can earn on joining?
You can earn up to 3,000 bonus InterMiles upon joining. This includes 1,500 InterMiles when you spend ₹3,000 within the first 30 days of card issuance, and an additional 1,500 InterMiles when your total retail spends reach ₹50,000 or above within the first 90 days. These welcome bonuses help you get started with InterMiles quickly.
REWARDSCan I convert my InterMiles to Reward Points?
No, InterMiles once credited to your InterMiles account cannot be converted to Reward Points. The miles earned through this card are specific to the InterMiles loyalty program and must be used within that ecosystem. You can redeem them for flight bookings, hotel stays, and other travel-related benefits available through the InterMiles platform.
BENEFITSWhat travel vouchers do I get with this card?
As a cardholder, you receive ₹500 flight discount vouchers and ₹1,000 hotel discount vouchers for the first year. Please note that renewal benefits, including these travel vouchers, are applicable only on realisation of the membership fee. Terms and conditions apply to these travel benefits, and you can refer to the InterMiles HDFC Bank credit card terms page for complete details.
BENEFITSWhat dining benefits does this card offer?
The InterMiles HDFC Bank Platinum Credit Card offers up to 20% discount on dining bills when you pay via Dineout Pay through InterMiles. The maximum discount is capped at ₹1,000 per transaction, per customer, per month. This benefit is available at a wide range of partner restaurants on the Dineout platform, making it a great card for dining out regularly.
FEESWhat are the joining and annual fees for the InterMiles HDFC Bank Platinum Credit Card?
The exact joining and annual fee details for the InterMiles HDFC Bank Platinum Credit Card are not explicitly listed on the page. It is recommended to check the latest fee structure directly on the HDFC Bank website or contact HDFC Bank customer care for the most current information on applicable charges before applying for the card.
APPLICATIONHow can I apply for the InterMiles HDFC Bank Platinum Credit Card?
You can apply for the InterMiles HDFC Bank Platinum Credit Card by clicking the 'Apply Now' button on the official HDFC Bank credit card page. You can also apply through HDFC Bank's NetBanking portal, the HDFC Bank mobile app, or by visiting your nearest HDFC Bank branch. Ensure you meet the eligibility criteria and keep your KYC documents ready before applying.
DOCUMENTSWhat documents are required to apply for this card?
Typically, the following documents are required to apply for the InterMiles HDFC Bank Platinum Credit Card: a duly filled application form, identity proof (such as Aadhaar card or PAN card), address proof, recent passport-sized photographs, and income proof. For salaried individuals, the latest salary slips or bank statements are required. For self-employed applicants, the latest ITR filing documents showing annual income above ₹6 lakh are needed.
INTERNATIONALDoes the InterMiles HDFC Bank Platinum Credit Card have a forex markup fee?
The forex markup fee details for the InterMiles HDFC Bank Platinum Credit Card are not explicitly mentioned on the card page. Standard HDFC Bank credit cards typically charge a foreign currency markup fee on international transactions. It is advisable to check with HDFC Bank directly or review the card's terms and conditions for the applicable forex markup rate before using the card abroad.
BENEFITSAre the renewal benefits the same as the first-year benefits?
Renewal benefits, such as flight discount vouchers and hotel discount vouchers, are applicable only upon realisation of the membership fee. This means the travel vouchers — ₹500 on flights and ₹1,000 on hotels — are reinstated each year, but only after your renewal membership fee is processed and realised by HDFC Bank. Please refer to the terms and conditions on the official card page for complete details.
USAGEHow do I redeem InterMiles earned on my credit card?
InterMiles earned through the InterMiles HDFC Bank Platinum Credit Card are credited to your InterMiles account and can be redeemed on the InterMiles platform. You can use them to book flights, hotels, and other travel experiences. Note that InterMiles cannot be converted to HDFC Bank Reward Points. Redemption is subject to the terms and conditions of the InterMiles loyalty program.
CANCELLATIONHow can I cancel or close my InterMiles HDFC Bank Platinum Credit Card?
To cancel or close your InterMiles HDFC Bank Platinum Credit Card, you can contact HDFC Bank's customer care helpline, visit your nearest HDFC Bank branch, or use the NetBanking portal to submit a closure request. Before cancelling, ensure you redeem any unused InterMiles in your account, as they may expire upon card closure. Clear all outstanding dues before initiating the cancellation process.

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