Summary
HDFC Bank InterMiles Platinum Credit Card is a lifestyle and travel credit card offered by HDFC Bank and InterMiles (previously JetPrivilege) in partnership. It is particularly designed for individuals who travel a lot and wish to earn rewards through their regular transactions. The Credit card allows customers to earn InterMiles, which can be utilized to buy an air ticket, stay at a hotel, shop for merchandise, and enjoy other lifestyle rewards through the InterMiles platform.
As a sign-up reward, the cardholder can earn 1,500 InterMiles when ₹3,000 is spent within the first 30 days. The users can earn 4 InterMiles for every ₹150 on regular spending and 8 InterMiles for every ₹150 when you make your travel or accommodation booking via the InterMiles platform. These miles will help you save your upcoming travels and bookings.
One of the striking features of the card is waiver of the year fee. The renewal fee of ₹1,000 for subsequent years is waived off if one spends ₹2.5 lakh in a single year. It also offers 1% fuel surcharge waiver, up to 20% discount on food at restaurants with Dineout Pay, and interest-free credit of up to 50 days.
Introduction
In the present situation, credit cards have emerged as a trendy way of keeping finances and enjoying extra benefits while shopping. If you are a regular traveler or a person who enjoys earning reward points on your daily expenses, then the InterMiles HDFC Bank Platinum Credit Card can be a great choice for you. This card is custom-made for frequent flyers who would like to gain travel rewards, discounts, and lifestyle benefits – all on a single card.
With HDFC Bank as your partner along with InterMiles (formerly JetPrivilege), this card lets you accrue InterMiles every time you spend money on flight bookings, hotel reservations, shopping, or even gasoline. These InterMiles are then redeemable to book flight tickets, stay in hotels, or redeem numerous other lifestyle benefits. Whatever you are going for – a holiday, a business trip, or even grocery shopping – every rupee you spend can take you one step closer to your next destination.
The InterMiles HDFC Platinum Credit Card is not just for travel rewards. It also offers other rewards like fuel surcharge waivers, exclusive discounts, and a spending-based waiver of annual fees. The card is suited for people who would like to combine their love of travel with the wise use of credit. Even if you don’t travel much abroad, the card remains highly useful for domestic shopping and travel.
Eligibility for the card is also quite simple. If you have a steady income and good credit history, you can apply for it quite easily. Both salaried and self-employed individuals can apply. HDFC Bank checks your age, income, and credit history before sanctioning the card. After sanctioning, you also get a welcome bonus in the form of free InterMiles, which gets you a good head start in earning rewards from day one itself.
What is the InterMiles HDFC Bank Platinum Credit Card?
The InterMiles HDFC Bank Platinum Credit Card is a special credit card that is designed for people who love to travel and collect rewards. It is offered by HDFC Bank in collaboration with InterMiles, an established travel and lifestyle rewards program. Whenever you use this card to make purchases of flight tickets, hotel bookings, shopping, eating out, or even fuel, you collect InterMiles. These InterMiles can then be used to book flight tickets, hotels or buy other items and services on the InterMiles website.
Apart from helping you earn travel rewards, this card also gives you extra benefits like discounts, waiver on fuel surcharge, and welcome bonus miles. It is India and internationally accepted, and it also has easy online access to view your spending and reward points. Overall, the InterMiles HDFC Bank Platinum Credit Card is a savvy choice for individuals who are keen on making use of travel privileges on spends made on everyday essentials.
What is the design of the InterMiles HDFC Bank Platinum Credit Card?
InterMiles HDFC Bank Platinum Credit Card has an upscale and corporate look. The card is mostly black in hue, hence presenting it with a sophisticated look. The white and red “InterMiles” logo is at the left-hand side of the card, while the white and blue “HDFC Bank” logo is at the right-hand side.
The card also features a tiny picture of the globe, which represents worldwide travel, and contains a chip for secure payment. The futuristic appearance mimics the card’s emphasis on travel and high-end services.
What are the benefits of the InterMiles HDFC Bank Platinum Credit Card?
Here is a summary of its major benefits:
Welcome Benefits:
- Bonus InterMiles: You get 1,500 InterMiles if you spend ₹3,000 in spend within the first 30 days of card issuance. This bonus appears to be valid only for first-year cards.
Earning InterMiles:
- Regular Spending: Get 4 InterMiles for each ₹150 spent on regular purchases.
- Flight and Hotel Bookings: On flight or hotel bookings via the InterMiles platform, you get 8 InterMiles for each ₹150 spent.
Renewal Benefits:
Annual Fee Waiver: Pay a transaction of ₹2.5 lakh or more within a year, and the next year’s renewal fee is waived.
Dining Benefits:
Dining Discounts: Avail upto 20% off on dining bills paid through Dineout Pay with your InterMiles HDFC Bank Platinum Credit Card.
Fuel Surcharge Waiver:
- Fuel Savings: Avail waiver of 1% on fuel surcharge at all fuel outlets in India.
Additional Benefits:
- Interest-Free Credit Period: Avail interest-free credit of up to 50 days from the date of purchase.
- Add-On Cards: Obtain up to 3 add-on cards for members of your household above 18 years.
What are the fees for the InterMiles HDFC Bank Platinum Credit Card?
Here is a simple InterMiles HDFC Bank Platinum Credit Card fee breakup.
| Joining Fee | ₹1,000 plus applicable taxes |
| Annual Fee | ₹1,000 plus applicable taxes (The annual fee is waived if you spend ₹2.5 lakh or more in the preceding 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 3.6% per month (43.6% 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 InterMiles HDFC Bank Platinum 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 InterMiles HDFC Bank Platinum Credit Card?
The documents that you will have to submit to Get an InterMiles HDFC Bank Platinum 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 InterMiles HDFC Bank Platinum Credit Card be used?
Here is the list of places where you can use it:
- With the InterMiles HDFC Bank Platinum 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 InterMiles HDFC Bank Platinum Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The InterMiles HDFC Bank Platinum Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the InterMiles HDFC Bank Platinum Credit Card?
The credit limit of the InterMiles HDFC Bank Platinum 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 InterMiles HDFC Bank Platinum 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 InterMiles HDFC Bank Platinum Credit Card.
- Just hover your cursor on the InterMiles HDFC Bank Platinum 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 required 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 informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the InterMiles HDFC Platinum Credit Card.
- Request for the credit card application form for the InterMiles HDFC Bank Platinum Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken 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 processed, and your information will be cross-checked 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 InterMiles HDFC Platinum Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an InterMiles HDFC Bank Platinum Credit Card in 2025 be right?
Yes, InterMiles HDFC Platinum Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.
If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.
Conclusion
The InterMiles HDFC Bank Platinum Credit Card is smart and rewarding, particularly for those who travel often, shop online, eat out, or stay in hotels often. It is particularly designed for those individuals who wish to gain more benefits from their regular expenses by earning InterMiles, which can subsequently be used to book air travel, hotel stays, or purchase lifestyle products.
One of the best features of this card is that you are rewarded bonus InterMiles simply by making the first use of the card. You still earn InterMiles as you make use of the card, particularly when you reserve hotels or flights through the InterMiles platform. This means that the more you use the card for travel or shopping, the more reward points you will get.
The Credit card also offers additional functional benefits like waiver of fuel surcharge, saving your money on refueling, and discounts at dining when you make payments at Dineout Pay restaurants. If your first year’s expenditure is ₹2.5 lakh, your next year’s annual fee is waived, which is an added benefit for heavy users. You can also extend offer add-on cards to your family members and enjoy up to 50 days of interest-free credit, so it is easier to manage your money.
Frequently Asked Questions (FAQ’s)
Ans: Yes. You get a 1% fuel surcharge refund on spends between ₹400 and ₹5,000 at fuel stations.
Ans: Late payment charges will be charged based on your current balance. A monthly interest of 3.6% (43.6% p.a.) is also charged.
Ans: You get coverage of up to ₹20 lakh against professional risks or legal liabilities occurring due to your medical practice.
Ans: Yes. HDFC allows you to convert eligible buys into easy monthly EMIs under the SmartEMI facility.
Ans: You can apply online on the website of HDFC Bank or visit the local HDFC branch. You would need to provide KYC documents and proof of your medical practice.
