HDFC Bank
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InterMiles HDFC Bank Platinum Credit Card
InterMiles HDFC Bank Platinum Credit Card
HDFC Bank
Annual Fee
FREE
Effective Rate
0.30%
Network
MASTERCARD
Point Value
₹0.30/pt
About InterMiles HDFC Bank Platinum Credit Card
Co-branded InterMiles travel card. 4 IM/₹150 (2.67/₹100) base; 8 IM/₹150 on InterMiles flights/hotels. 8 lounge visits/year (2/quarter) via Visa AND Mastercard programs. ₹500 flight + ₹1,000 hotel first-year vouchers. Etihad 5% off + 2.5X bonus IM. Dineout 20% off. Revolving credit 3.6%/month.
Best For
Pros & Cons
thumb_upPros
- check_circle8 Domestic Lounge Visits/Year
- check_circleLifetime free — no annual fee ever
- check_circleFirst-Year Travel Vouchers
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹0.30 — an effective return of 0.30% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5.33% | 533 pts≈ ₹160 |
| All other spends | 2.67% | 267 pts≈ ₹80 |
Miles can be transferred to partner airlines and hotel loyalty programs. Transfer ratios vary by partner — check the HDFC Bank website for current transfer partners and ratios.
Card Benefits
8 Domestic Lounge Visits/Year
8 complimentary domestic airport lounge visits per year (2/quarter) via Visa AND Mastercard programs.
First-Year Travel Vouchers
₹500 flight + ₹1,000 hotel discount vouchers for the first year.
~₹1,500/yr value
Dineout 20% Off
Up to 20% off on dining via Dineout Pay through InterMiles (max ₹1,000/month).
Etihad Airways Benefits
5% off Economy Class + 2.5X bonus IM on Etihad tickets via InterMiles.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver (min ₹400; capped per statement cycle).
Zero Liability on Fraudulent Transactions
Zero liability on fraud if reported immediately to 24-hr call centre.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹3,000 (LIFETIME)
1,500 InterMiles on ₹3,000 spend within first 30 days.
Spend ₹50,000 (LIFETIME)
1,500 InterMiles on ₹50,000 retail spend within first 90 days.
Spend ₹2,50,000 (ANNUAL)
Annual renewal fee waived on ₹2,50,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹4,20,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹4,20,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about InterMiles HDFC Bank Platinum Credit Card.
Ready to apply for InterMiles HDFC Bank Platinum Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.