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InterMiles HDFC Bank Platinum Credit Card Vs. InterMiles ICICI Bank Sapphiro Credit Card

InterMiles HDFC Bank Platinum Credit Card

InterMiles HDFC Bank Platinum Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

Comparison of InterMiles HDFC Bank Platinum Credit Card and InterMiles ICICI Bank Sapphiro Credit Card

Feature
InterMiles HDFC Bank Platinum Credit Card
InterMiles ICICI Bank Sapphiro Credit Card
Annual Fee
₹1,000 + GST
₹5,000 + GST (~₹5,900)
Joining Fee
₹1,000 + GST
₹5,000 + GST (~₹5,900)
Welcome Benefits
N/A
10,000 InterMiles + discount vouchers
Interest Rate (APR)
3.6% per month (43.2% annually)
3.5% per month (42% annually)
Foreign Currency Markup
3.5% + GST (~4.13%)
3.5% + GST (~4.13%)
Key Highlights
  • •Welcome Bonus InterMiles
  • •Accelerated Miles on Travel Bookings
  • •Complimentary Lounge Access
  • •Renewal Benefits
  • •Fuel Surcharge Waiver
  • •Dineout Passport Membership
  • •Generous Welcome Benefits
  • •Accelerated InterMiles Earning
  • •InterMiles Silver Tier Membership
  • •Flexible Redemption Options
  • •Premium Lounge Access
  • •Dual Variant Options
  • •Etihad Airways Partnership
  • •Annual Renewal Benefits
  • •24×7 Concierge Service
  • •Complimentary Golf Privileges
Dos
  • Use the card for flight bookings on flights.intermiles.com to earn 8 InterMiles per ₹150
  • Spend ₹2.5 lakh annually to get the next year's fee waived
  • Track your InterMiles balance regularly and plan redemptions strategically
  • Maintain quarterly spends of ₹30,000 to unlock Dineout Passport benefits
  • Pay your credit card bill in full by the due date to avoid interest charges
  • Book all Etihad Airways tickets with this card to earn up to 12.5 InterMiles per ₹100, plus enjoy 5–10% discounts.
  • Use the InterMiles website for bookings to earn 2X base miles on flights and hotels.
  • Pay your credit card bill in full and on time to avoid 42% APR interest charges and maintain an excellent credit score.
  • Spend a minimum of ₹5,000 per quarter to unlock domestic lounge access benefits for the following quarter.
  • Track your annual InterMiles cap to avoid surprise uncapping fees or plan for them in advance.
Don'ts
  • Avoid exceeding your credit limit to prevent overlimit charges
  • Don't miss the minimum payment to avoid late fees and credit score impact
  • Ignore the quarterly spending thresholds for lounge access and dining benefits
  • Share your card details, PIN, or OTP with anyone
  • Use the card for cash advances unless absolutely necessary due to high fees
  • Don't use the card for fuel purchases—they earn zero InterMiles and waste valuable spending capacity.
  • Avoid utility and insurance payments on this card as they earn only 1 InterMile per ₹100.
  • Never miss payment due dates—late fees are substantial, and interest charges are crushing at 42% APR.
  • Don't expect a fee waiver—the ₹5,000 annual fee must be paid regardless of spending levels.
  • Don't ignore the annual earning cap—budget for the ₹7,500 uncapping fee or moderate spending to stay within 60,000 miles.

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