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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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