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HDFC InterMiles Signature

HDFC InterMiles Signature

Annual Fee

₹2,500

Rewards/₹100

₹7.00

Normalized to balance base rate with bonus categories

Interest Rate

43.80%

Credit Score

750+

At a Glance

Key Benefits

6 InterMiles/Rs 150, 2x travel, 16 lounges, Dineout Passport

Lounge Access

16 domestic + 5 international (Priority Pass) per year

Eligibility

Min Rs. 90,000/month salaried, age 21-60, CIBIL 750+

Quick Analysis

The HDFC InterMiles Signature Credit Card was a solid travel co-branded card offering competitive InterMiles earning rates, generous lounge access, and exclusive Etihad Airways privileges. However, the card has been discontinued with customers migrated to HDFC Diners Millennia Credit Card. The limited redemption options (only via InterMiles website) was its main drawback compared to other HDFC travel cards.

Pros

  • Earn up to 8,000 bonus InterMiles as welcome benefits
  • 16 complimentary domestic lounge visits per year
  • 5 free international lounge visits via Priority Pass
  • Low 2% forex markup vs industry standard 3.5%
  • Exclusive Dineout Passport with up to 35% off dining
  • Etihad Airways discounts: 5% Economy, 10% Business class

Cons

  • InterMiles can only be redeemed on InterMiles website
  • No insurance benefits beyond zero liability
  • Card has been discontinued and migrated to HDFC Diners Millennia

Best For

Frequent travellers who want to earn air miles on everyday spends, with complimentary domestic and international lounge access and Etihad Airways discounts.

Not Ideal For

Those who prefer flexible reward redemption options beyond travel, as InterMiles can only be redeemed on the InterMiles website for flights and hotels.

Quick Details

Annual Fee
₹2,500 #61
Joining Fee
₹2,500 #59
Interest Rate
43.80% p.a. #36
Forex Markup
2.00% #7
Fuel Surcharge Waiver 1.00%
Rewards/₹100
₹7.00 #14
Reward Type Reward Points
Points Expiry Never Expire
Reward Currency Points
Domestic Lounge Visits
16/year #11
Min Credit Score These are observed patterns, not bank-published rules.
750+ #50
Min Annual Income These are observed patterns, not bank-published rules. ₹90,000
Network VISA
Card Tier signature
Card Replacement Fee ₹100
Late Payment Fee ₹900
Foreign Currency Markup 2.00%
Reward Redemption Fee ₹99
Cheque Return Fee 2.00% (min ₹450)
Statement Retrieval Fee ₹50
EMI Processing Fee 2.00% (min ₹200)
Fee Waiver on Spend ₹3,00,000/yr

Card Features

Contactless International Usage EMI Conversion Balance Transfer Add-on Cards

Airport Lounge Access

Domestic Free
16

visits per year

4 visits per quarter via VISA/MasterCard Lounge Program at select domestic airports

Priority Pass Free
5

visits per year

Complimentary Priority Pass membership with 5 free international lounge visits per year. Domestic Priority Pass visits charged at US $27 + GST.

Reward Structure

Base

All Spends

₹4.00 /₹100
Accel

Travel

₹8.00 /₹100
Accel

Travel

₹8.00 /₹100
Partner

Partner

₹10.00 /₹100
Cat

Insurance (capped at 2000 miles/day)

₹4.00 /₹100
Cat

Fuel

₹0.00 /₹100
Cat

Wallet Reloads (Not Eligible)

₹0.00 /₹100
Cat

EasyEMI (Not Eligible)

₹0.00 /₹100

No Rewards On

Fuel Wallet Loads EMI Transactions

Reward Redemption

Redeem your points for cashback, travel, and more

Best

InterMiles Flight Bookings

Flight Booking (Portal)
₹1.00/point

Redeem InterMiles for flight bookings on intermiles.com

Best

InterMiles Hotel Bookings

Hotel Booking (Portal)
₹0.80/point

Redeem InterMiles for hotel bookings on intermiles.com/hotels

Best

Etihad Airways

Airline Miles Transfer
₹1.00/point

InterMiles can be used for Etihad flights with additional discounts

Milestone Benefits

Welcome Bonus

Complimentary InterMiles Silver Membership for the first year. Flight discount vouchers worth Rs. 750 and Hotel discount vouchers worth Rs. 2,000.

FREE

value

Welcome Bonus

3,000 bonus InterMiles on spending Rs. 6,000 within 30 days of card activation

Spend ₹6,000 within 30 days

₹3,000

value

Welcome Bonus

5,000 bonus InterMiles on spending Rs. 90,000 or more within 90 days of card activation

Spend ₹90,000 within 90 days

₹5,000

value

Renewal Benefit

6,000 InterMiles on spending Rs. 6,000 within 30 days of renewal. Plus Flight voucher Rs. 750 and Hotel voucher Rs. 1,000.

Spend ₹6,000 within 30 days

₹3,000

value

Annual Benefit

Annual fee of Rs. 2,500 waived on spending Rs. 3 lakh or more in the previous year

Spend ₹3,00,000 within 365 days

₹2,500

value

Lifestyle Perks

Dining

35.00% off

Up to 35% off via Dineout Passport: 25% at 2000+ restaurants + 10% extra with card. 1+1 buffet at 200+ venues.

Travel Desk

10.00% off

5% off Etihad Economy, 10% off Business class via InterMiles. 2.5x InterMiles on Etihad bookings.

Category Rankings

See how this card performs in different spending categories compared to other cards.

Fuel #9 /16
0.0000 pts/₹100 Top 57%
Insurance #2 /25
4.0000 pts/₹100 Top 8%
International #3 /23
10.0000 pts/₹100 Top 14%
Online #55 /57
0.0000 pts/₹100 Top 97%
Shopping #50 /51
0.0000 pts/₹100 Top 99%
Travel #13 /45
8.0000-10.0000 pts/₹100 Top 29%
Wallet Reloads (Not Eligible) #1 /1
0.0000 pts/₹100 Top 100%

The HDFC InterMiles Signature Credit Card is a co-branded travel credit card issued by HDFC Bank in partnership with InterMiles (formerly JetPrivilege). It offers InterMiles on everyday spends, accelerated rewards on travel bookings, complimentary domestic and international airport lounge access, and exclusive Etihad Airways privileges.

With a joining fee of Rs. 2,500, the card provides welcome benefits of up to 8,000 bonus InterMiles and comes with the exclusive Dineout Passport membership for dining discounts.

Note: This card has been discontinued. All existing cardholders have been migrated to the HDFC Diners Millennia Credit Card.

What is HDFC InterMiles Signature?

The HDFC InterMiles Signature Credit Card is a travel-focused co-branded credit card that rewards cardholders with InterMiles (air miles) on their everyday spending. InterMiles is a loyalty programme by Etihad Airways (formerly JetPrivilege by Jet Airways) that allows members to earn and redeem miles for flight and hotel bookings.

  • Earn 6 InterMiles per Rs. 150 on all retail spends
  • Earn 2x InterMiles on flight and hotel bookings via InterMiles website
  • Complimentary Priority Pass membership with international lounge access
  • Exclusive Dineout Passport membership with up to 35% off dining
  • Available on both Visa and MasterCard networks

Reward Earnings

Earn 6 InterMiles for every Rs. 150 spent on retail purchases. Get 2x InterMiles (12 per Rs. 150) on flight and hotel bookings made through the InterMiles website. Earn 2.5x InterMiles on Etihad Airways bookings.

Travel Benefits

16 complimentary domestic lounge visits per year (4 per quarter) via VISA/MasterCard Lounge Program. 5 complimentary international lounge visits per year through Priority Pass. Exclusive discounts on Etihad Airways: 5% off Economy class and 10% off Business class tickets.

Dining Benefits

Exclusive Dineout Passport Membership offering 25% assured discount at 2,000+ premium restaurants, additional 10% off with the InterMiles Signature card, 1+1 buffet offers at 200+ restaurants, and early access to events and festivals.

Fuel Surcharge Waiver

1% fuel surcharge waiver. The standard 2.5% fuel surcharge is replaced by a convenience fee of 1% plus GST.

Zero Liability Protection

HDFC Bank provides zero liability protection against fraudulent transactions on lost or stolen cards when reported promptly.

Welcome Benefits

  • Complimentary InterMiles Silver Membership for the first year
  • 3,000 bonus InterMiles on spending Rs. 6,000 within 30 days of card activation
  • 5,000 InterMiles on spending Rs. 90,000 or more within 90 days of activation
  • Flight discount vouchers worth Rs. 750 for the first year
  • Hotel discount vouchers worth Rs. 2,000 for the first year

Renewal Benefits

  • 6,000 InterMiles on spending Rs. 6,000 within 30 days of card renewal
  • Flight discount voucher worth Rs. 750
  • Hotel discount voucher worth Rs. 1,000

Fee Waiver

The annual renewal fee of Rs. 2,500 is waived on spending Rs. 3 lakh or more in the previous year.

Domestic Lounge Access

16 complimentary domestic lounge visits per year, with a maximum of 4 visits per quarter, through the VISA Lounge Program or MasterCard Lounge Program at select airports in India.

International Lounge Access

Complimentary Priority Pass membership with 5 free international lounge visits per year. Lounge visits within India using Priority Pass will be charged at US $27 + GST per visit. The same charges apply for international lounge visits beyond the 5 complimentary visits.

Earning InterMiles

  • 6 InterMiles for every Rs. 150 spent on retail purchases
  • 12 InterMiles (2x) for every Rs. 150 spent on flight bookings via intermiles.com
  • 12 InterMiles (2x) for every Rs. 150 spent on hotel bookings via intermiles.com/hotels
  • 2.5x InterMiles on Etihad Airways ticket bookings via InterMiles

Exclusions

  • No InterMiles on purchases below Rs. 150
  • Fuel purchases, e-wallet reloads, and EasyEMI transactions are not eligible
  • Insurance category capped at 2,000 miles per day

Redemption

InterMiles can be redeemed for flight and hotel bookings on intermiles.com. A redemption fee of Rs. 99 plus applicable taxes is charged per redemption request.

Fees & Charges

Fee TypeAmount
Joining FeeRs. 2,500 + GST
Annual FeeRs. 2,500 + GST (waived on Rs. 3 lakh annual spend)
Interest Rate3.6% per month (43.8% per annum)
Foreign Currency Markup2% on all international transactions
Cash Advance2.5% of amount or Rs. 500, whichever is higher
Late PaymentUp to Rs. 900
Over Limit2.5% of over-limit amount (min Rs. 550)
Reward RedemptionRs. 99 + taxes per redemption
Fuel Surcharge1% convenience fee + GST (replaces 2.5% surcharge)
Card ReplacementRs. 100

Salaried Individuals

  • Age: 21 to 60 years
  • Minimum Income: Rs. 90,000 per month

Self-Employed Individuals

  • Age: 21 to 65 years
  • Minimum Income: Rs. 12,00,000 per annum (as per ITR)

Credit Score

  • A CIBIL score of 750 or above is recommended for approval
  • The bank may have additional internal eligibility criteria

Identity Proof

  • Aadhaar Card
  • PAN Card
  • Voter ID Card
  • Passport

Address Proof

  • Utility Bills (electricity, gas, water)
  • Aadhaar Card
  • PAN Card
  • Driving Licence
  • Ration Card
  • Passport

Income Proof

  • Latest salary slips (for salaried)
  • Latest bank statements
  • Latest copy of ITR (for self-employed)

Online Application

  1. Visit the official HDFC Bank website
  2. Navigate to Credit Cards under the Borrow section
  3. Select the InterMiles HDFC Bank Signature Credit Card under Travel category
  4. Click Apply Online
  5. Enter your mobile number and complete the captcha
  6. Fill in all required details and submit your application

Offline Application

Visit your nearest HDFC Bank branch and fill in the physical application form for the InterMiles Signature Credit Card.

Track Application Status

Track your application status online via the HDFC Bank credit card application tracking page, by calling customer care at 1800 266 4332, or by visiting your nearest HDFC branch.

Conclusion

The HDFC InterMiles Signature Credit Card was a compelling travel credit card for frequent flyers who valued InterMiles and Etihad Airways privileges. With competitive earning rates of 6 InterMiles per Rs. 150, 2x on travel bookings, 16 domestic lounge visits, Priority Pass international access, and exclusive dining benefits via Dineout Passport, it offered solid value for its Rs. 2,500 annual fee.

However, the card has been discontinued and all existing cardholders have been migrated to the HDFC Diners Millennia Credit Card. The primary limitation was that InterMiles could only be redeemed on the InterMiles website, offering less flexibility compared to other HDFC travel cards like the Regalia or Diners ClubMiles.

Frequently Asked Questions

What is the joining fee for HDFC InterMiles Signature Credit Card?
The joining fee is Rs. 2,500 + GST.
What is the annual fee and can it be waived?
The annual fee is Rs. 2,500 + GST. It is waived if you spend Rs. 3 lakh or more in the previous year.
How many InterMiles do I earn on retail spends?
You earn 6 InterMiles for every Rs. 150 spent on retail purchases.
What is the accelerated reward rate on travel bookings?
You earn 12 InterMiles (2x) for every Rs. 150 spent on flight and hotel bookings made through intermiles.com.
What are the welcome benefits?
You get InterMiles Silver Membership, 3,000 bonus InterMiles on spending Rs. 6,000 within 30 days, 5,000 InterMiles on spending Rs. 90,000 within 90 days, flight discount vouchers worth Rs. 750, and hotel discount vouchers worth Rs. 2,000.
How many complimentary domestic lounge visits do I get?
You get 16 complimentary domestic lounge visits per year (4 per quarter) through the VISA/MasterCard Lounge Program.
Does the card come with Priority Pass?
Yes, you get complimentary Priority Pass membership with 5 free international lounge visits per year. Domestic visits via Priority Pass are charged at US 7 + GST.
What is the foreign currency markup fee?
The foreign currency markup fee is 2% on all international transactions.
What are the Etihad Airways benefits?
You get 5% discount on Etihad Economy class tickets, 10% discount on Business class tickets booked via InterMiles website, and 2.5x InterMiles on Etihad bookings.
What are the dining benefits?
You get exclusive Dineout Passport Membership with 25% assured discount at 2,000+ premium restaurants, additional 10% off with the card, and 1+1 buffet at 200+ restaurants.
What are the renewal benefits?
On renewal, you get 6,000 InterMiles on spending Rs. 6,000 within 30 days, plus flight discount voucher worth Rs. 750 and hotel discount voucher worth Rs. 1,000.
What is the interest rate on this card?
The interest rate is 3.6% per month, i.e., 43.8% per annum on outstanding balances.
What are the cash advance charges?
Cash advance charges are 2.5% of the transaction amount or Rs. 500, whichever is higher.
Is there a fuel surcharge waiver?
Yes, the 2.5% fuel surcharge is replaced by a convenience fee of 1% plus GST on fuel transactions.
Where can I redeem my InterMiles?
InterMiles can be redeemed for flight and hotel bookings on the InterMiles website (intermiles.com). A redemption fee of Rs. 99 plus taxes applies per redemption.
What categories are excluded from earning InterMiles?
Fuel purchases, e-wallet reloads, and EasyEMI transactions do not earn InterMiles. Insurance spends are capped at 2,000 miles per day.
What is the minimum income required to apply?
Salaried individuals need a minimum income of Rs. 90,000 per month. Self-employed individuals need a minimum annual income of Rs. 12,00,000 (as per ITR).
What is the age requirement?
Salaried individuals: 21-60 years. Self-employed individuals: 21-65 years.
Does the card have zero liability protection?
Yes, HDFC Bank provides zero liability protection against fraudulent transactions on a lost or stolen card when reported to the bank promptly.
Has this card been discontinued?
Yes, all existing InterMiles HDFC Bank Signature Credit Card customers have been migrated to the HDFC Diners Millennia Credit Card. All features of this InterMiles card have been discontinued.
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Pawan Khatri
Reviewed by

Pawan Khatri

Founder

Pawan is the founder of CardNitty, with years of experience in personal finance and credit card optimization. He is passionate about helping consumers make smarter financial decisions.

Last updated: 1 February 2026

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