HDFC Bank All Miles Credit Card

Annual fee

₹1,000 a year.Rs. 1,000 (Annual / Renewal fee)

Fee waiver rule

First-year membership is free with ₹15,000 spent within 90 days. Membership renewal is free with ₹1 lakh spends annually

Add-on card fee

₹0

Welcome benefit

CashBack equivalent to the first year's fee on initial spending.

Reward rate

3X Reward Points for every ₹150 you spend.

Travel earning

2X Reward Points for hotel bookings, mobile recharge and shopping.

Reward exclusions

Rent payments will not earn Reward Points /CashPoints on all the cards.

Reward caps

Maximum reward points that can be earned in a statement cycle IS 15,000

Point expiry

Valid only for 2 years

Fuel surcharge waiver

1% Fuel Surcharge waived off on fuel transactions.

Surcharge on railway tickets

1% of the transaction

Lost card liability

Zero lost card liability on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre.

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

1.75%

Cash advance fee

2.5% with a minimum of ₹500 on all cash withdrawals

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit.

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

3.75% per month (i.e., 45% per annum)

Interest-free period

50 days interest-free when you pay in full.

Over-limit fee

2.5% of the overlimit amount subject to minimum of ₹550

Payment return or dishonour fee

2% of the payment amount (minimum ₹450)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal card variants.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee will be levied on Education transactions done through third party applications.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

Fuel transaction fee

1% fee will be levied on Fuel transaction exceeding — ₹15,000 for consumer cards.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions.

Utility transaction fee

Utility Charges: 1% fee will be levied on spends exceeding ₹50,000 per Calendar month for consumer cards.

Minimum amount due

Minimum Amount Due (MAD) = Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance) + Over-limit Amount (if any), when 5% of (Finance Charge + Retail Spends + Cash Advance) is higher than the Finance Charge