MyFinCards
InterMiles HDFC Bank Signature Credit Card

Joining Fee

₹2,500

Annual Fee

Rs. 2500 + Taxes

HDFC Bank
Travel
Lifestyle
Rewards
Best For: Frequent flyers especially on Etihad Airways, Travelers seeking lounge access, Those who spend on hotels and flight bookings

InterMiles HDFC Bank Signature Credit Card

Rewards Structure

Base Reward Rate

4% on spends

Point Value

1 Point = ₹1

Earning Cap

₹2,000 /monthly

Pros

  • 16 complimentary lounge visits per year (4 per quarter)
  • Earn 12 InterMiles per ₹150 on flight and hotel bookings
  • Complimentary Priority Pass membership worth $99
  • Up to 20% dining discount via Dineout Pay
  • Discounts on Etihad Airways Business and Economy class tickets
  • 1% fuel surcharge waiver up to ₹500 per billing cycle
  • Bonus InterMiles up to 8,000 in first year

Cons

  • Card sourcing has been stopped — not available for new applicants
  • Fuel transactions do not accrue InterMiles
  • Cash advances, fees and charges do not accrue InterMiles
  • EasyEMI and e-wallet loading transactions do not accrue InterMiles
  • InterMiles on insurance transactions capped at 2,000 per day
  • Priority Pass lounge visits within India charged at US $27 + GST per visit after complimentary quota
  • Grocery rewards capped at 1,000 RP per month
  • 1% fee on rental transactions from second rental transaction of calendar month

Hidden Catches (Transparency Policy)

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

Renewal benefits like flight and hotel vouchers only applicable upon realisation of membership fee

InterMiles accrued are reversed if retail transaction is converted into SmartEMI

InterMiles cannot be converted to Reward Points

GST charges on fuel surcharge are non-refundable

Priority Pass lounge visits within India are chargeable at US $27 + GST effective February 01, 2018

Card may be cancelled if inactive for 6 continuous months after prior written notice

DCC transactions carry a 1% mark-up

Key Benefits & Features

₹750 flight and ₹2,000 hotel discount vouchers for the first year upon realisation of membership fee

10% discount on Etihad Airways Business Class tickets and 5% discount on Economy Class tickets

Up to 50 days of free credit period from date of purchase

Zero liability on fraudulent transactions if reported immediately to 24-hour call centre

Up to 3 add-on cards for immediate family members over 18 years

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No InterMiles on fuel transactionsNo InterMiles on cash advances, fees and other chargesNo InterMiles on EasyEMI and e-wallet loading transactionsInterMiles reversed if retail transaction converted to SmartEMIInterMiles on insurance transactions capped at 2,000 per dayGrocery rewards capped at 1,000 RP per monthOnly retail purchases above ₹150 qualify for InterMiles

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

Official Terms & Conditions

About InterMiles HDFC Bank Signature Credit Card

The InterMiles HDFC Bank Signature Credit Card is a travel and lifestyle credit card designed to reward frequent flyers and avid travelers. Issued on the Mastercard network with a joining and annual fee of ₹2,500, the card offers a strong suite of benefits centered around flight bookings, hotel stays, and airport lounge access. Cardholders earn 6 InterMiles per ₹150 on retail spends, with an accelerated rate of 12 InterMiles per ₹150 on flight tickets and hotel bookings made through the InterMiles platform. New members receive a complimentary InterMiles Silver membership for the first year, along with up to 8,000 bonus InterMiles through milestone-based spending rewards. Travel perks include 16 complimentary airport lounge visits per year through the Mastercard Lounge Program, complimentary Priority Pass enrollment with access to 600+ international lounges, and up to 5 free annual international lounge visits. Etihad Airways travelers benefit from exclusive discounts of 10% on Business Class and 5% on Economy Class tickets. Additional lifestyle benefits include ₹750 flight and ₹2,000 hotel discount vouchers in the first year, up to 20% dining discounts via Dineout Pay, and a 1% fuel surcharge waiver across fuel stations in India. Please note that the card is currently not accepting new applications.

Expert Review

Our Verdict

Travel & lifestyle card with InterMiles rewards, lounge access & Etihad discounts — now discontinued for new applicants.

Frequently Asked QuestionsAbout InterMiles HDFC Bank Signature Credit Card

OTHERWhat is an InterMiles HDFC Bank Signature Credit Card?
The InterMiles HDFC Bank Signature Credit Card is a travel and lifestyle card designed to elevate your experiences. It offers exclusive benefits, rewards, discounts on flights and hotels, complimentary lounge access, Priority Pass membership, dining discounts, and more. The card runs on the Mastercard network and is co-branded with InterMiles (formerly JPMiles), making it ideal for frequent travelers who want to earn air miles on their everyday and travel spends.
APPLICATIONCan I apply for the InterMiles HDFC Bank Signature Credit Card?
No, HDFC Bank is currently not accepting new applications for the InterMiles HDFC Bank Signature Credit Card. Card sourcing has been stopped. In January-February 2023, all existing customers were notified via SMS/email and migrated to other cards after 30 days. If you are looking for a credit card, you can explore other available HDFC Bank credit cards that may suit your travel and lifestyle needs.
OTHERWhat is the credit limit of an InterMiles HDFC Bank Signature Credit Card?
The credit limit for an InterMiles HDFC Bank Signature Credit Card is determined on a case-by-case basis and depends on various factors such as your income, credit history, repayment behavior, and HDFC Bank's internal policies. There is no fixed or published minimum or maximum credit limit. For existing cardholders, you can check or request a credit limit enhancement through HDFC Bank's NetBanking portal or by contacting customer care.
FEESWhat are the joining and annual fees for the InterMiles HDFC Bank Signature Credit Card?
The joining fee and annual renewal membership fee for the InterMiles HDFC Bank Signature Credit Card are both ₹2,500 plus applicable taxes. Please note that GST levied on fees and charges will not be reversed in the event of any dispute. Additionally, renewal benefits such as ₹750 flight vouchers and ₹2,000 hotel discount vouchers are only applicable upon realization of the membership fee.
REWARDSHow many InterMiles do I earn on my spends?
With the InterMiles HDFC Bank Signature Credit Card, you earn 6 InterMiles on every ₹150 spent on regular retail purchases. For travel-related spends, you earn 12 InterMiles on every ₹150 spent on flight ticket bookings and hotel bookings made through the designated portal. Please note that only retail purchases above ₹150 qualify for InterMiles accrual. Cash advances, fuel transactions, EasyEMI, e-wallet loading, and other fees and charges do not earn InterMiles.
REWARDSWhat milestone benefits does the InterMiles HDFC Bank Signature Credit Card offer?
The card offers up to 8,000 Bonus InterMiles as milestone benefits. You earn 3,000 InterMiles upon spending ₹6,000 within the first 30 days of card issuance. An additional 5,000 InterMiles are awarded when total retail spends reach ₹90,000 or above. New cardholders also receive complimentary InterMiles Silver membership for the first year, along with ₹750 flight and ₹2,000 hotel discount vouchers.
BENEFITSHow many complimentary airport lounge visits do I get with this card?
The InterMiles HDFC Bank Signature Credit Card offers 16 complimentary airport lounge visits per year, capped at 4 visits per quarter, through the Mastercard Lounge Program. To access domestic lounges, you need to present your InterMiles HDFC Bank Signature Credit Card along with your boarding pass. Additionally, the card comes with a complimentary Priority Pass membership (worth $99), which gives the primary cardholder up to 5 free annual visits to international lounges.
BENEFITSAre there any charges for Priority Pass lounge visits?
The primary cardholder receives up to 5 complimentary annual international lounge visits through Priority Pass. After exhausting the complimentary quota, lounge visits within India using Priority Pass are charged at US $27 + GST per person per visit (effective February 1, 2018). International lounge visits beyond the free quota are also charged at US $27 + GST per visit. Guest visits using Priority Pass are charged at US $27 + GST per visit. Charges are billed to your credit card statement within 90 days of the visit.
BENEFITSWhat dining benefits does the InterMiles HDFC Bank Signature Credit Card offer?
Cardholders can enjoy up to 20% discount on dining bills paid through Dineout Pay using their InterMiles HDFC Bank Credit Card. This includes a 15% Dineout discount plus an additional 5% HDFC Bank discount. The maximum discount per transaction is capped at ₹1,000, and the maximum discount per customer per month is also capped at ₹1,000. This benefit is applicable at participating restaurants on the Dineout platform.
BENEFITSWhat discounts are available on Etihad Airways with this card?
InterMiles HDFC Bank Signature Credit Cardholders can enjoy a 10% discount on Etihad Airways Business Class tickets and a 5% discount on Etihad Airways Economy Class tickets when booked through the designated booking link. These lifestyle benefits make the card especially valuable for frequent international travelers who fly with Etihad Airways. Terms and conditions apply; please refer to the official HDFC Bank website for complete details.
BENEFITSIs there a fuel surcharge waiver on the InterMiles HDFC Bank Signature Credit Card?
Yes, the card offers a 1% fuel surcharge waiver at all fuel stations across India on a minimum transaction of ₹400. The maximum waiver is capped at ₹500 per billing cycle. However, please note that InterMiles are not accrued on fuel transactions (effective April 15, 2016). Additionally, GST charges on fuel surcharge are non-refundable.
REWARDSAre there any restrictions on earning InterMiles for insurance or grocery transactions?
Yes, there are caps on certain transaction categories. InterMiles accrued for insurance transactions are limited to a maximum of 2,000 InterMiles per day. For grocery transactions, rewards are capped at 1,000 Reward Points per month effective January 1, 2023. Additionally, a 1% fee is applicable on rental transactions from the second rental transaction of the calendar month, and a 1% markup applies on DCC (Dynamic Currency Conversion) transactions.
CANCELLATIONWhat happens if my InterMiles HDFC Bank Signature Credit Card is inactive?
For cards sourced from November 1, 2020 onwards, HDFC Bank reserves the right to cancel the card if it remains inactive and is not used for any transactions for a continuous period of 6 months. Prior written notice will be sent to the registered email address, phone number, and/or communication address before cancellation. It is advisable to keep your contact details updated with the bank to ensure you receive such notifications.
USAGECan I get add-on cards for family members with this credit card?
Yes, you can avail up to 3 add-on cards for your immediate family members who are above 18 years of age. However, please note that card features and benefits such as lounge access, dining discounts, and milestone rewards apply only to the primary cardholder and are not extended to add-on cardholders. Add-on cards allow family members to transact on the primary card's credit limit.
FEESWhat is the interest rate on revolving credit for this card?
The InterMiles HDFC Bank Signature Credit Card offers revolving credit at an interest rate of 3.6% per month. Cardholders also benefit from up to 50 days of free credit period from the date of purchase, subject to the submission of the charge by the merchant. Additionally, the card offers zero liability on fraudulent transactions if reported immediately to the 24-hour HDFC Bank call centre.

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