The InterMiles Platinum HDFC Bank Credit Card is a travel-focused co-branded credit card that rewards cardholders with InterMiles on their everyday spending. InterMiles is a loyalty programme that lets you earn miles and redeem them for flight tickets, hotel bookings, and other travel-related rewards.

• Co-branded card by HDFC Bank and InterMiles.com
• Earn 4 InterMiles for every Rs. 150 spent on retail purchases
• Earn 8 InterMiles for every Rs. 150 spent on flights and hotels through InterMiles
• 8 complimentary domestic airport lounge visits per year
• Exclusive Etihad Airways privileges with 5% discount and bonus InterMiles
• Annual fee waiver on spending Rs. 2.5 Lakhs in the previous year

Earn 4 InterMiles for every Rs. 150 spent on retail transactions. For travel bookings made through intermiles.com, earn an accelerated 8 InterMiles for every Rs. 150 spent on both flight tickets and hotel bookings.

Travel Benefits

Enjoy 8 complimentary domestic airport lounge visits per year (maximum 2 per quarter) through the VISA/MasterCard Lounge Program. Get a 5% discount on Etihad Airways Economy class tickets when booked through flights.intermiles.com, plus earn 2.5x InterMiles on Etihad bookings.

Welcome Benefits

Receive up to 3,000 Bonus InterMiles: 1,500 InterMiles on spending Rs. 3,000 within the first 30 days, and 1,500 more on total retail spends of Rs. 50,000+ within the first 90 days. Additionally, get a flight discount voucher worth Rs. 500 and a hotel discount voucher worth Rs. 1,000 for the first year.

Dining Benefits

Get up to 20% discount on dining bills paid via Dineout Pay through InterMiles, with a maximum discount of Rs. 1,000 per transaction per customer per month.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver at all fuel stations across India on minimum transactions of Rs. 400, capped at Rs. 250 per billing cycle.

Security

Zero liability protection on fraudulent transactions when reported immediately. Chip-enabled card for secure transactions at POS terminals.

• 1,500 Bonus InterMiles on spending Rs. 3,000 within the first 30 days
• 1,500 Bonus InterMiles on total retail spends of Rs. 50,000+ within the first 90 days
• Flight discount voucher worth Rs. 500 for the first year
• Hotel discount voucher worth Rs. 1,000 for the first year

Renewal Benefits

• 1,500 InterMiles on spending Rs. 3,000 within 30 days of anniversary date
• Flight discount voucher worth Rs. 500
• Hotel discount voucher worth Rs. 1,000
• Renewal benefits applicable only on payment of membership fee

Fee Waiver Milestone

• Annual fee waived on spending Rs. 2.50 Lakhs or more in the previous year
• Note: If fee is waived, flight/hotel discount vouchers will not be provided

The InterMiles Platinum HDFC Bank Credit Card offers complimentary domestic airport lounge access through the VISA Lounge Program and MasterCard Lounge Program.

• 8 complimentary domestic lounge visits per calendar year
• Maximum 2 visits per quarter
• Access available at select airport lounges across India
• Nominal fee charges for card validation may apply
• Lounge access is available to the primary cardholder only

Note: International lounge access is not available with this card.

Every retail purchase with the InterMiles Platinum HDFC Bank Credit Card earns you InterMiles that can be redeemed for travel and lifestyle rewards.

• Base Rate: 4 InterMiles for every Rs. 150 spent on retail transactions
• Flights: 8 InterMiles for every Rs. 150 spent on flight bookings via intermiles.com
• Hotels: 8 InterMiles for every Rs. 150 spent on hotel bookings via interbook.intermiles.com
• Etihad: 2.5x InterMiles for Etihad Airways tickets booked via flights.intermiles.com
• Insurance: Capped at 2,000 InterMiles per day

Exclusions

Fuel transactions, e-wallet loading, Easy EMI, cash advances, and fee payments do not earn InterMiles. InterMiles accrued will be reversed if a retail transaction is converted into SmartEMI.

Redemption

InterMiles can be redeemed at www.intermiles.com for:

• Flight ticket bookings
• Hotel accommodation bookings
• Dining vouchers
• Gift vouchers and merchandise
• Partner brand rewards

• Nationality: Indian
• Age: Minimum 21 years, Maximum 60 years
• Net Monthly Income: Above Rs. 35,000

For Self-Employed Individuals

• Nationality: Indian
• Age: Minimum 21 years, Maximum 65 years
• Annual Income: ITR above Rs. 6 Lakhs

Credit Score

• A good CIBIL score of 700 or above is recommended for approval

• Passport
• Aadhaar Card
• Voter ID
• Driving Licence
• PAN Card
• Passport size photographs

Address Proof (Any one)

• Utility bills (electricity, water, gas, or telephone)
• Rental agreement
• Passport
• Aadhaar Card
• Voter ID

Income Proof (Any one)

• Salary slips (for salaried individuals)
• Income Tax Returns (ITR)
• Form 16
• Bank statements

1. Visit the HDFC Bank website or InterMiles portal
2. Provide and validate your phone number and Date of Birth/PAN
3. Confirm your personal details
4. Select the InterMiles Platinum Credit Card
5. Submit your application and receive your card

In certain cases, uploading documents and completing Video KYC may be required.

Offline Application

1. Visit your nearest HDFC Bank branch
2. Fill out the credit card application form
3. Submit required documents (identity, address, and income proof)
4. Wait for verification and approval

The InterMiles Platinum HDFC Bank Credit Card is an excellent entry-level travel credit card for domestic travelers who want to earn airline miles on their everyday spending. With 4 InterMiles earned on every Rs. 150 spent and accelerated rates on flight and hotel bookings through InterMiles, it provides a clear path to earning free flights and hotel stays.

The card stands out with its affordable Rs. 1,000 annual fee (waivable on Rs. 2.5 Lakh spend), 8 complimentary domestic lounge visits, Etihad Airways privileges, and attractive welcome benefits worth up to 3,000 InterMiles plus travel vouchers. However, the lack of international lounge access and the high 3.5% forex markup make it less suitable for international travelers. Overall, if you frequently travel within India and want a simple, affordable way to earn and redeem miles, this card delivers solid value.