Earn miles with every spend and fly closer to your dream destinations
Earn 4 InterMiles for every ₹150 spent
8 complimentary domestic lounge visits per year
Annual fee waived on ₹2.5 lakh spends
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| Benefit | Details |
|---|---|
| Welcome Bonus InterMiles | Earn up to 3,000 Bonus InterMiles based on your spending milestones within the first 90 days. |
| Accelerated Miles on Travel Bookings | Earn 8 InterMiles for every ₹150 spent on flight bookings at flights.intermiles.com. |
| Complimentary Lounge Access | Enjoy 8 complimentary domestic airport lounge visits per year (maximum 2 per quarter). |
| Renewal Benefits | Get flight and hotel discount vouchers worth ₹1,500 annually on membership fee payment. |
| Fuel Surcharge Waiver | Save 1% on fuel surcharges at petrol pumps across India (up to ₹500 per billing cycle). |
| Dineout Passport Membership | Exclusive dining benefits with up to 30% off when you spend ₹30,000 per quarter. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel / Airline Co-brand |
| Type of Card | Visa Credit Card (Travel Rewards) |
| Free or Paid | ₹1,000 + GST Annually (waived on spends of ₹2.5 lakh) |
The InterMiles HDFC Bank Platinum Credit Card is the ideal companion for frequent travelers and aviation enthusiasts who want to convert everyday spending into flight miles. As a co-branded travel credit card in partnership with InterMiles (formerly JetPrivilege), it offers exceptional value through accelerated miles earning on travel bookings, complimentary airport lounge access, and exclusive dining privileges. Whether you're booking flights, paying utility bills, or shopping for groceries, every transaction brings you closer to your next destination.
InterMiles Rewards Programme: The card operates on the InterMiles loyalty platform, allowing you to earn InterMiles on retail transactions that can be redeemed for flight tickets, hotel bookings, and other travel-related expenses through intermiles.com.
Accelerated Miles on Travel: Earn double the rewards (8 InterMiles per ₹150) when you book flights through flights.intermiles.com, making it highly rewarding for frequent flyers.
Welcome Bonus Structure: New cardholders can earn up to 3,000 Bonus InterMiles by meeting spending thresholds within the first 90 days - 1,500 miles for spending ₹3,000 in the first 30 days and an additional 1,500 miles for spending ₹50,000 in the first 90 days.
Airport Lounge Comfort: Access domestic airport lounges across India with 8 complimentary visits per year (capped at 2 visits per quarter) through the Visa lounge network. Simply present your card and boarding pass for entry.
Renewal Incentives: Upon annual fee payment, receive flight discount vouchers worth ₹500 and hotel discount vouchers worth ₹1,000, plus earn an additional 1,500 Bonus InterMiles by spending ₹3,000 within 30 days of your anniversary date.
Fuel Savings: Enjoy 1% fuel surcharge waiver on transactions between ₹400 to ₹4,000 at petrol pumps nationwide, with a maximum benefit of ₹500 per billing cycle.
Dining Privileges: Quarterly spends of ₹30,000 or more unlock exclusive Dineout Passport membership benefits, offering up to 30% discounts at participating restaurants across India.
Fee Waiver Opportunity: The ₹1,000 annual fee for the next year can be completely waived by spending ₹2.5 lakh within 12 months of card setup or renewal date, making it effectively free for regular users.
Wide Acceptance: Being a Visa card, it's accepted at millions of merchant locations worldwide, both online and offline, ensuring you can earn InterMiles wherever you shop.
Interest-Free Credit: Take advantage of up to 50 days of interest-free credit period on your purchases, giving you flexibility in managing your cash flow.
This card is particularly valuable for individuals who travel regularly, make substantial retail purchases, and want to consolidate their spending to earn rewards that translate directly into travel benefits.
4 InterMiles on Retail Spends
Earn 4 InterMiles for every ₹150 spent on all eligible retail transactions.
Applicable across categories including shopping, dining, groceries, and utility bills.
Minimum transaction of ₹150 required to earn InterMiles.
8 InterMiles on Flight Bookings
Earn double rewards (8 InterMiles per ₹150) on flight tickets booked through flights.intermiles.com.
Get an additional earning rate of 2.5x InterMiles on Etihad Airlines tickets purchased at flights.intermiles.com.
Accelerated earning makes flight bookings significantly more rewarding.
Bonus InterMiles on First 30 Days
Earn 1,500 Bonus InterMiles on spending ₹3,000 within the first 30 days of card setup.
Credited within 10 working days after the first month's statement generation.
First Quarter Bonus InterMiles
Earn an additional 1,500 Bonus InterMiles on spending ₹50,000 within the first 90 days of card setup.
Pro-rata allocation: Spend ₹25,000 to earn 750 miles.
Maximum 1,500 InterMiles can be earned through this offer.
Credited within 10 working days after exceeding the spending threshold.
Flight & Hotel Discount Vouchers
Receive flight discount vouchers worth ₹500 on card issuance.
Receive hotel discount vouchers worth ₹1,000 on card issuance.
Vouchers are valid for bookings made through intermiles.com.
Anniversary Bonus InterMiles
Earn 1,500 Bonus InterMiles on spending ₹3,000 within 30 days of your card anniversary date.
One-time bonus credited after meeting the spending requirement.
Annual Discount Vouchers
Flight discount voucher worth ₹500 on renewal fee payment.
Hotel discount voucher worth ₹1,000 on renewal fee payment.
Note: Vouchers are only provided if the renewal fee is paid (not available with fee waiver).
Complimentary Domestic Lounge Access
8 complimentary visits per year to domestic airport lounges across India.
Maximum 2 visits allowed per calendar quarter.
Access available through Visa lounge network.
Present your InterMiles HDFC Bank Platinum Credit Card along with boarding pass for entry.
Lounges may charge a nominal validation fee depending on the network programme.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions at all petrol pumps across India.
Applicable on transactions between ₹400 and ₹4,000.
Maximum waiver of ₹500 per billing cycle.
Note: InterMiles are not earned on fuel transactions.
Dineout Passport Membership
Exclusive membership when you spend ₹30,000 or more per calendar quarter.
Up to 30% discount at participating restaurants through Dineout.
Access to priority reservations and special dining offers.
Valid only when quarterly spending threshold is maintained.
Flight Bookings
Redeem InterMiles for flight tickets on flights.intermiles.com.
Flexible redemption options across multiple airlines.
No blackout dates on InterMiles redemption flights.
Hotel Bookings
Use InterMiles to book hotel stays through intermiles.com.
Wide selection of hotels across domestic and international destinations.
Combine InterMiles with discount vouchers for maximum savings.
Other Travel Services
Redeem for holiday packages, car rentals, and travel experiences.
Access to exclusive InterMiles partner offers.
InterMiles earned remain valid in your InterMiles account.
No expiry as long as your InterMiles account remains active.
InterMiles can be transferred between co-brand cards within the same account.
Up to 50 Days: Enjoy up to 50 days of interest-free credit on purchases from the date of transaction, subject to full payment by the due date.
Flexible Payment Option: If you don't pay the full amount by the due date, the remaining balance is carried forward as revolving credit with applicable interest charges.
InterMiles are not earned on the following transactions:
Fuel purchases
Cash advances
Cash withdrawals at ATMs
Card fees and charges
EMI transactions
E-wallet loading transactions
Transactions converted to SmartEMI
Railway ticket purchases
Insurance transactions (capped at maximum 2,000 InterMiles per day)
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,000 + GST (~₹1,180) | One-time charge when the card is issued. |
| Annual Fee | ₹1,000 + GST (~₹1,180) | Charged every year. Waived if annual spends are ₹2.5 lakh or more within 12 months of card setup or renewal date. |
| Interest Rate (APR) | 3.6% per month (43.2% annually) | Applicable on outstanding balances not paid by the due date. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions and foreign currency spends. |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on all cash withdrawals from ATMs. |
| Cash Advance Limit | Up to 40% of credit limit | Maximum amount available for cash withdrawal. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹550) | Charged when spending exceeds the assigned credit limit. |
| Payment Return Charges | 2% of payment amount (minimum ₹450) | Charged when payment cheque/instrument is returned or dishonored. |
| Cash Processing Fee | ₹100 | Applicable for card payments made at HDFC Bank branches or ATMs. |
| Balance Transfer Processing Fee | 1% of transfer amount or ₹250 (whichever is higher) | Applicable when you transfer balance from other credit cards. |
| Duplicate Physical Statement | ₹10 per statement | Charged for requesting duplicate physical credit card statements. |
| Railway Ticket Purchase Fee | 1% of transaction amount + GST | Charges typically reversed after transaction completion. |
| Late Payment Charges | As per HDFC Bank policy | Applicable if minimum amount due is not paid by the due date. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years of age |
Citizenship | Must be a Resident Indian |
Credit Score | Good CIBIL score (ideally 750-900) recommended for approval |
Income | Stable source of income - salaried or self-employed individuals |
Employment | Salaried employees or self-employed professionals/businesspersons |
Existing Relationship | Can be applied by both existing and new HDFC Bank customers |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving License, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving License, Voter ID Card, Recent Utility Bill (electricity/telephone/gas) not older than 3 months |
| Income Proof | Latest salary slips (last 2-3 months) / Bank statements (last 3-6 months) / Form 16 / ITR copy with computation of income |
| PAN Card | Mandatory for all credit card applications as per RBI guidelines |
| Passport-size Photograph | Recent color photograph |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal information including name, date of birth, contact details, employment information, and financial details in the application form.
Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Approval & Card Delivery: Once your application is approved after verification, your InterMiles HDFC Bank Platinum Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Set Up Credit Card PIN | Set a 4-digit PIN for card security by calling HDFC Bank customer care or through NetBanking. Always required for ATM and POS transactions. |
Link to InterMiles Account | Your card will be automatically linked to your InterMiles account. If you're a new InterMiles user, an account will be created for you. |
Book Flights for Maximum Rewards | Use flights.intermiles.com for flight bookings to earn 8 InterMiles per ₹150 instead of the standard 4 InterMiles. |
Meet Quarterly Spend Targets | Spend ₹30,000 per quarter to unlock Dineout Passport membership and enjoy dining discounts. |
Maximise Welcome Benefits | Spend ₹3,000 in the first 30 days and ₹50,000 in the first 90 days to earn the full 3,000 Bonus InterMiles. |
Track Lounge Visits | Monitor your quarterly lounge usage (2 visits per quarter) to make the most of your 8 annual complimentary visits. |
Use for Fuel Smartly | Fill up between ₹400-₹4,000 per transaction to get 1% fuel surcharge waiver (up to ₹500/month). |
Maintain Annual Spend | Spend ₹2.5 lakh within the year to get next year's annual fee waived, effectively making the card free. |
Check InterMiles Balance | Log in to intermiles.com regularly to track your earned InterMiles and plan redemptions. |
Pay Bills on Time | Always pay at least the minimum amount due by the due date to avoid late fees and maintain a good credit score. |
Use for Retail Purchases | Use the card for all eligible retail transactions of ₹150 or more to consistently earn InterMiles. |
Plan Redemptions Strategically | Combine your InterMiles with discount vouchers during booking for maximum savings on flights and hotels. |
The InterMiles HDFC Bank Platinum Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.