HDFC Bank InterMiles Signature Credit Card

Joining feeRenewal fee

₹2,500 + GST

Reward rate

6 InterMiles per ₹150 · everyday spends6 InterMiles on every ₹150 spent on retail spends.

EMI spend earning

EasyEMI and e-wallet loading transactions will not accrue InterMiles; InterMiles accrued will be reversed if a retail transaction is converted into SmartEMI.

Fuel earning

Effective April 15th, 2016, InterMiles will not be accrued on fuel transactions

Insurance spend earningReward caps

InterMiles accrued for Insurance transactions will have a maximum cap of 2,000 per day

Travel earning

12 InterMiles on every ₹150 spent on flight tickets booked here; 12 InterMiles on every ₹150 spent on hotel bookings made here.

Wallet load earning

EasyEMI and e-wallet loading transactions will not accrue InterMiles.

Reward exclusions

Cash advances, fuel transactions, fees, and other charges do not accrue any InterMiles; EasyEMI and e-wallet loading transactions will not accrue InterMiles.

Priority Pass

Complimentary enrollment ($99 value) in Priority Pass with access to 600+ lounges; The Primary Cardholder can enjoy up to 5 free annual visits to the International Lounges

Lounge benefit

16 complimentary visits per year (4 per quarter); Lounges may levy a nominal fee for card validation, depending on the network program.

Hotel or travel programme

5% discount on Etihad Airways Economy Class tickets booked here.

Dining programme

Up to 20% discount on dining bills paid through Dineout Pay via your InterMiles Credit Card; 15% Dineout Discount plus an additional 5% HDFC Bank Discount

Renewal benefit

₹750 flight and ₹2000 hotel discount vouchers for the first year; These renewal benefits are only applicable upon realisation of the membership fee

Membership tiers and what unlocks them

InterMiles Silver membership for the first year.

Minimum spend rules

Only retail purchases above ₹150 qualify for InterMiles

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on a minimum transaction of ₹400; Maximum waiver capped at ₹500 every billing cycle; GST charges on fuel surcharge are non-refundable

Lost card liability

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

Add-on card eligibility

Avail up to 3 add-on cards for your immediate family members (over 18 years); Card features only apply to the Primary Card Holder, not add-on card holders

Dynamic currency conversion markup

A 1% mark-up will be applicable on DCC transactions.

Cash advance fee

2.5% or ₹500 whichever is higher.

Interest on unpaid balance

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

Interest-free period

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

Charge for lounge visits beyond the free limit

Lounge visits within India using a Priority Pass are charged at US $27 + GST as applicable per person per visit; Lounge Visits outside India exceeding the complimentary visits charged at US $27 + GST as applicable per person per visit; Guest visits using a Priority Pass are charged at US $27 + GST per visit per guest

Rent transaction fee

A 1% fee will be applicable on rental transactions from the second rental transaction of the calendar month.

GST note

The reversal of GST levied will not occur in the event of any dispute regarding fees and charges

Age the primary cardholder must be

Salaried 21 to 60 years; self-employed 21 to 65 years.

Income, salaried

Net monthly income exceeding ₹90,000.

Income, self-employed

Annual income exceeding ₹12 lakh.