HDFC Bank All Miles Credit Card
HDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
All Miles Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Fee waiver
Annual membership fee waiver for next year on minimum spend of ₹1 lakh / Annum.
VerifiedAll Miles Credit Card product page17 Aug 2026, 9:36 PM ISTHDFC Bank
Rewards
Redemption value
- Rewards Redemption Fee ₹99 per redemption request (not charged on redemption of reward points towards cashback).
- For flight and hotel bookings on HDFC Bank SmartBuy, up to a maximum of 50% of booking value can be redeemed through Reward Points (effective 10th June 2019).
- Reward Points valid for 2 years from date of accumulation.
Verifiedharvested from product page14 Aug 2026, 8:13 AM ISTHDFC Bank
Reward cap
- Reward Points earned for transaction amounts in multiples of ₹150.
- Residual amounts or transactions below ₹150 do not earn Reward Points (from 15th May 2026, multiples of ₹200).
- Reward Points for insurance transactions capped at 2,000 per day (all cards other than Infinia/Diners Black).
Verifiedharvested from product page14 Aug 2026, 8:13 AM ISTHDFC Bank
Reward exclusion
- Reward Points earned for transaction amounts in multiples of ₹150 (revised to ₹200 w.e.f. 15th May 2026).
- Residual amounts or transactions below the threshold will not earn Reward Points.
- EasyEMI and e-wallet loading transactions do not accrue Reward Points.
- Points reversed if a retail transaction is converted into SmartEMI.
Verifiedharvested from product page14 Aug 2026, 8:13 AM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Eligibility
- The credit limit on the All Miles Credit Card is determined by HDFC Bank based on individual eligibility, income and credit worthiness.
- HDFC Bank is currently not accepting new applications for this card.
VerifiedAll Miles Credit Card product page17 Aug 2026, 9:36 PM ISTHDFC Bank
Charges & interest
Forex markup
- Cross currency mark-up of 3.5%.
- Dynamic Currency Conversion (DCC) markup fee 1.75% on each transaction in INR at an international location or with merchants located in India but registered in a foreign nation (w.e.f. 15th May 2026).
Verifiedharvested from product page14 Aug 2026, 8:13 AM ISTHDFC Bank
Charge
- Finance charges on revolving credit: 3.49% p.m. (41.88% annually), revised to 3.6% p.m. (43.2% annually) w.e.f. 1st Sep 2020.
- Cash Advance: 2.5% of amount withdrawn or ₹500 whichever is higher.
- Cash advance limit 40% of credit limit.
- Late Payment Charges (w.e.f. 1st Sep 2020): Nil below ₹100, ₹100 for ₹100-500, ₹500 for ₹501-5,000, ₹600 for ₹5,001-10,000, ₹800 for ₹10,001-25,000, ₹1100 for ₹25,001-50,000, ₹1300 for above ₹50,000.
- Overlimit charge 2.5% of overlimit amount, min ₹550 w.e.f. 1st Sep 2020.
- Payment Return Charges 2% of payment amount min ₹450.
- Cash Processing Fee ₹100.
- Rewards Redemption Fee ₹99 per redemption request.
- Duplicate physical statement ₹10 w.e.f. 1st Sep 2020.
- Railway Ticket Purchase Fee 1% + GST.
- Wallet loading 2.5% of load value.
- Dynamic Currency Conversion (DCC) markup fee revised to 1.75% w.e.f. 15th May 2026.
- Card re-issuance fee ₹199 for non-metal variants (₹3,500 for metal) w.e.f. 15th May 2026.
- Auto EMI conversion: 9 months at 20% ROI, processing fee ₹99.
Verifiedharvested from product page2 Aug 2026, 11:05 PM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver capped at ₹500 every billing cycle (GST applicable).
- Waived for transactions between ₹400 and ₹5,000.
- Reward Points not accrued on fuel transactions.
- GST on fuel surcharge is non-refundable.
Verifiedharvested from product page14 Aug 2026, 8:13 AM ISTHDFC Bank
Interest-free period
Interest free credit period could range from 20 to 50 days subject to the scheme applicable.
VerifiedAll Miles Credit Card product page17 Aug 2026, 9:36 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the All Miles Credit Card?
Officially traced: Rs. 1,000.
harvested from product pageWhat is the joining fee on the All Miles Credit Card?
Officially traced: Rs. 1,000.
All Miles Credit Card product pageIs the All Miles Credit Card annual fee ever waived?
Annual membership fee waiver for next year on minimum spend of Rs. 1 lakh / Annum.
All Miles Credit Card product pageWhat are the transfer ratios for All Miles Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/all-miles-credit-card.
VerifiedAll Miles Credit Card product page17 Aug 2026, 9:36 PM ISTHDFC Bank
Verified 2026-08-17 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.