HDFC Bank Intermiles Platinum Credit Card
HDFC Bank
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Earn rate
Base: 4 InterMiles per ₹150 spent on retail. 8 InterMiles per ₹150 on flights booked on intermiles.com. 8 InterMiles per ₹150 on hotels booked on interbook.intermiles.com. 10 InterMiles per ₹150 (2.5X) on Etihad Airways tickets booked on intermiles.com.
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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
Intermiles Platinum Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1,000 (First Year Fees).
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Annual / renewal fee
Confirm on the official page
Official source not yet captured
Fee waiver
- Spend ₹2,50,000 in a year and get a waiver of next year's annual membership fee.
- Fee waiver (both on welcome and renewal) to InterMiles Platinum Tier Members holding this card.
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Renewal fee
₹1,000 (Renewal Year Fees).
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Rewards
Base: 4 InterMiles per ₹150 spent on retail. 8 InterMiles per ₹150 on flights booked on intermiles.com. 8 InterMiles per ₹150 on hotels booked on interbook.intermiles.com. 10 InterMiles per ₹150 (2.5X) on Etihad Airways tickets booked on intermiles.com.
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Redemption value
- InterMiles once credited to the customer's InterMiles account cannot be converted to Reward Points.
- Bonus InterMiles credited within 10 working days after monthly card statement is generated.
- Flight/hotel/Etihad bonus InterMiles credited 60 days post successful activity.
VerifiedIntermiles Platinum Credit Card product page3 Aug 2026, 9:35 PM ISTHDFC Bank
Reward cap
InterMiles accrued for Insurance transactions will have a maximum cap of 2,000 per transaction (Effective 1st July'2017).
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Reward exclusion
- Cash advance, fuel transaction (Effective 15th April 2016), fees and other charges do not accrue any InterMiles.
- EasyEMI and e-wallet loading transactions will not accrue InterMiles.
- InterMiles accrued will be reversed if a retail transaction is converted into SmartEMI.
- Only retail purchases on and above ₹150 qualify.
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Hotel benefit
Hotel discount voucher: 1 voucher worth ₹1,000 for the first year and 1 voucher worth ₹1,000 for the renewal year, on a minimum booking of ₹6,000 on interbook.intermiles.com.
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Travel benefit
- Flight Discount Voucher: 1 voucher worth ₹500 for the First year and 1 voucher worth ₹500 for the Renewal year (on minimum booking of ₹3500), on https://www.intermiles.com.
- Hotel Discount Voucher: 1 voucher worth ₹1000 for First year and 1 voucher worth ₹1000 for Renewal year (on minimum booking of ₹6000), on https://interbook.intermiles.com.
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Welcome Bonus: 1,500 InterMiles on spending ₹3,000 within first 30 days of card set up date.
- First Quarter Bonus: 1,500 InterMiles on total retail spends of ₹50,000 or above within first 90 days of card set up date (up to 3,000 InterMiles total welcome benefit).
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Dining benefit
- Up to 20% discount on dining bills paid via Dineout Pay via InterMiles.
- Maximum discount per transaction, per customer per month capped at ₹1,000.
VerifiedIntermiles Platinum Credit Card product page3 Aug 2026, 9:35 PM ISTHDFC Bank
Milestone benefit
- Renewal Bonus: 1,500 InterMiles on minimum spends of ₹3,000 within first 30 days of card renewal date.
- First Quarter Bonus: 1,500 InterMiles on total retail spends of ₹50,000 or above within first 90 days of card set up date.
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Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Confirm on the official page
Official source not yet captured
Charge
- Cash advance fee: 2.5% or ₹500, whichever is higher.
- Finance charges (revolving credit and cash advances): 3.75% per month (45% p.a.) for all other variants (w.e.f 1st August'24).
- Cash processing fee: ₹100.
- Rewards Redemption Fee: ₹99 per redemption request.
- Payment Return Charges: 2% of payment amount subject to minimum ₹450.
- Over Limit charges: 2.5% of overlimit amount subject to minimum ₹550.
- Card validation charges: ₹2 (₹25 for MasterCard, void at POS).
- Reissue of Lost/Stolen/Damaged Card: ₹100.
- Dynamic currency conversion Markup Fee: 1% (w.e.f 1st Jan 2023).
- Add-on Card Fee: Lifetime Free.
- Fuel Charges: 1% fee on fuel transaction exceeding ₹15,000 (consumer cards), capped ₹4999.
- Utility Charges: 1% on utility spends exceeding ₹50,000/month (consumer), capped ₹4999.
- Education Charges: 1% on education via third party apps, capped ₹4999.
- Rent Pay: 1% on rental transactions (w.e.f 1st July 2025), capped ₹4999.
- Online Skill based Gaming: 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025), capped ₹4999.
- Wallet Loading (excl PayZapp): 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025), capped ₹4999.
- Duplicate physical statement: ₹10.
- Balance Transfer Processing: 1% of BT amount or ₹250, whichever higher.
VerifiedHDFC Bank Credit Cards – Personal MITC (Most Important Terms & Conditions, March 2026)3 Aug 2026, 9:35 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) period could range from 20 to 50 days subject to the scheme applicable, and submission of claims by the merchant.
- Not applicable if previous month's balance is not cleared in full or if cash was availed from ATM.
VerifiedHDFC Bank Credit Cards – Personal MITC (Most Important Terms & Conditions, March 2026)3 Aug 2026, 9:35 PM ISTHDFC Bank
Transfers
Transfer rule
- Base InterMiles reflect within 10 working days after monthly statement is generated.
- Online/booking bonus InterMiles credited 60 days after successful flight activity or hotel stay.
- In event of ticket/booking cancellation, proportionate bonus InterMiles negated from cardholder's account.
- Purchase of redemption tickets does not qualify for online bonus InterMiles.
Verifiedharvested from product page3 Aug 2026, 9:35 PM ISTHDFC Bank
Common questions
What is the joining fee on the Intermiles Platinum Credit Card?
Officially traced: Rs. 1,000 (First Year Fees).
harvested from product pageIs the Intermiles Platinum Credit Card annual fee ever waived?
Spend Rs. 2,50,000 in a year and get a waiver of next year's annual membership fee.
harvested from product pageHow does the Intermiles Platinum Credit Card earn rewards?
Base: 4 InterMiles per Rs. 150 spent on retail. 8 InterMiles per Rs. 150 on flights booked on intermiles.com. 8 InterMiles per Rs. 150 on hotels booked on interbook.intermiles.com. 10 InterMiles per Rs. 150 (2.5X) on Etihad Airways.
harvested from product pageWhat welcome benefit does the Intermiles Platinum Credit Card offer?
Welcome Bonus: 1,500 InterMiles on spending Rs. 3,000 within first 30 days of card set up date.
harvested from product pageWhat are the transfer ratios for Intermiles Platinum 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
cash advance fee
Cash advance fee: 2.5% of amount withdrawn or ₹500, whichever is higher.
VerifiedHDFC Bank Credit Cards – Personal MITC (Most Important Terms & Conditions, March 2026)3 Aug 2026, 9:35 PM ISTHDFC Bank
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/intermiles-platinum-credit-card.
VerifiedIntermiles Platinum Credit Card product page3 Aug 2026, 9:35 PM ISTHDFC Bank
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.