HDFC Bank All Miles Credit Card: Features & Apply

Summary

Travel cards and credit cards from HDFC Bank All Miles Credit Card award points on almost all kinds of purchases. Designed especially for consumers who spend a lot on vacation tickets, shopping, and telephone recharges, the card has a very sensible reward system. For each ₹150 spent, you get 3 reward points, and in the case of particular categories, such as booking a hotel or online recharge, you get 2X points (i.e., 6 points for ₹150). You can utilize these points to purchase numerous products, services, or even airline tickets from the HDFC rewards portal.

One of the best features of this card is the waiver of fuel surcharge, under which you receive a 1% refund on fuel expenses in excess of ₹400, thus saving you up to ₹500 within a statement cycle. The joining and annual fees are also waived if you make the minimum spends – thus, the card becomes cheaper to use actively.

The card features EMV chip technology for secure payment, and its high-end contemporary design will appeal to young professionals. Nevertheless, in contrast to the majority of travel credit cards available in 2025, it does not have high-end travel benefits like airport lounge passes, travel insurance, or concierge services – a drawback for heavy travelers.

Introduction

Credit cards have become an important part of our daily lives in the current fast-paced world. They not only make it easy to make purchases, but they also come with many entertaining benefits. One such widely used credit card is the HDFC Bank All Miles Credit Card. As the name suggests, this card is specifically tailored for those who are travel lovers and wish to earn rewards on every expense. Whether you are buying air tickets, shopping online, or dining at your favorite restaurant, this card pays you back in the form of points that can be used later for making travel bookings and other wonderful deals.

HDFC Bank is a leading private sector bank in India and is well known to offer numerous credit cards suiting different needs. The All Miles Credit Card is one of these cards that are all about returning value for every rupee that you put in. It is ideal for heavy travelers and spenders who would like to reap the most from the money being spent. This card’s reward system is simple but comes with a punch. Whenever you make a transaction using the card, you gain “Reward Points” which you can later redeem to purchase air tickets, hotel bookings, or even shopping vouchers.

Another very good point of the All Miles Credit Card is that you can use it to make transactions all over the globe. So whether you are going to travel domestically within India or internationally, this card can be used everywhere.

Apart from the travel perks, the card also offers the benefits such as fuel surcharge waiver, contactless payments, and EMI facility on large value spends. The card hence becomes a very handy product not only for travel but also for daily spending and lifestyle purchases.

What is the HDFC Bank All Miles Credit Card?

The HDFC Bank All Miles Credit Card is a special credit card offered by HDFC Bank that enables you to earn reward points every time you pay through the card. These reward points can be used to book air tickets, hotel stays, and other travel-related expenses. It is mostly for those who are travel enthusiasts and frequent buyers.

Whether it’s flight booking, shopping online, eating out, or fueling up, this card assists you in earning points, and that in turn will help you save money in the long run. It even offers perks such as lounge access at airports, waiver of fuel surcharge, and handy EMI facility. Overall, it’s a good credit card that rewards you for each transaction you make and makes your travel and lifestyle better.

What is the design of the HDFC Bank All Miles Credit Card?

The HDFC Bank All Miles Credit Card is black and has a very professional and smooth look, with a premium feel. The HDFC Bank logo is prominently placed on the top left of the card, ensuring brand recall.

The card name and number are embossed in the center and kept in a minimalist, functional look. An EMV chip is situated on the front, adding an element of safety for transactions.

What are the benefits of the HDFC Bank All Miles Credit Card?

The key advantages are as follows:

1. Reward Points

• Cumulative Expenditure: Earn 3 Reward Points for every ₹150 spent on regular purchases. ​

• Enhanced Rewards: Earn 2X Reward Points (6 points for every ₹150) for purchases on hotel reservations, mobile recharges, and shopping. ​

2. Waiver of Fuel Surcharge

• Earn waiver of fuel surcharge 1% of total transaction of Rs.400 and above, max per statement cycle – ₹500. ​

3. Fee Waivers

• Joining Fee: Spend ₹15,000 within 90 days of joining to get the joining fee of ₹1,000 waived. ​

• Annual Fee: Spend ₹1 lakh in one year to get the annual fee of ₹1,000 waived for the following year. ​

4. Security Features

• The card is designed with EMV Chip technology, giving enhanced security against fraudulent transactions. ​

5. Reward Points Redemption

• Earned points can be redeemed for products, gift vouchers, or can be converted into air miles under HDFC Bank’s rewards program.

What are the fees for the HDFC Bank All Miles Credit Card?

Here is a simple HDFC Bank All Miles Credit Card fee breakup.

Joining Fee	₹1,000 plus applicable taxes
Annual Fee	₹1,000 plus applicable taxes per year
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.49% per month (41.88% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank All Miles Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank All Miles Credit Card?

The documents that you will have to submit to Get an HDFC Bank All Miles Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank All Miles Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC Bank All Miles Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your HDFC Bank All Miles Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

What is the credit limit of the HDFC Bank All Miles Credit Card?

The credit limit of the HDFC Bank All Miles Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank All Miles Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Bank All Miles Credit Card.

• Just hover your cursor on the HDFC Bank All Miles Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are require to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be inform about the status of your application, and if approve, your card will be deliver to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC All Miles Credit Card.

• Request for the credit card application form for the HDFC Bank All Miles Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is require. Care should be take that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be process, and your information will be cross-check at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Bank All Miles Credit Card by post at the same postal address.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank All Miles Credit Card in 2025 be right?

Given today’s situation of credit card options in 2025, the HDFC Bank All Miles Credit Card is not necessarily the optimal choice for frequent travelers. While it rewards with 3 Reward Points for every ₹150 spent and double the points for certain categories like hotel stays, mobile recharges, and shopping, the absence of travel-relevant benefits like complimentary airport lounge visits reduces its value for frequent travelers.

Apart from that, the credit card space has seen some devaluations in the last few years. For example, HDFC Bank launched changes that include reward point accrual and redemption across different cards. Such developments mean a change in the benefits landscape, which can affect the overall value proposition of cards such as the All Miles Credit Card.

Cards that offer higher reward ratios on travel-type spends, free priority lounge access, among other travel amenities could quite fit the travelers’ specifications of those who travel frequently by 2025.

Conclusion

The HDFC Bank All Miles Credit Card is a good credit card choice for frequent shoppers, online recharges, and occasional travel. It provides you with an opportunity to accumulate reward points on nearly all your spends – be it booking a hotel, shopping online, or buying fuel. The reward points can be redeem for some interesting options such as flight tickets, gifts, and vouchers, making your daily spends worthwhile.

The elegant appearance of the card, secure chip technology, and straightforward reward mechanism make the card suitable for use by those first time around in credit card users or in need of an uncomplicated card with quality travel privileges. Even has the added advantages such as the waiver of fuel surcharge and waivers of spending fees, which save you more in the long run.

Frequently Asked Questions (FAQ’s)