Summary
The HDFC Bank Signature Credit Card InterMiles is an upscale travel credit card for travelers. Clients may earn InterMiles (former JetPrivilege miles) for all purchases for which they may redeem to earn air tickets, accommodations at a hotel, and related travel expenses. The card rewards 8 InterMiles for ₹150 spent booking flights, 6 InterMiles on ₹150 booking hotels, and 4 InterMiles on all other purchases.
Apart from reward points, the Credit card also provides exclusive traveling benefits such as access to airport lounges, discounted travel bookings, and remission of the 1% fuel surcharge. New members are also given a welcome bonus of 3,000 InterMiles.
But the card also comes with some charges and fees attached to it, which the users should be aware of. Joining fee is ₹2,500 + GST, and renewal fee a year is ₹2,500 + GST, but this can be exempted if the cardholder incurs a spend of ₹3,00,000 or more in a year. The remaining fees include interest on late payment (3.49% per month), foreign currency markup of 3.5%, and cash withdrawal charges at 2.5% (minimum ₹500).
Introduction
If you are a regular traveler and want to save on airfares, stays, and shopping, the InterMiles HDFC Bank Signature Credit Card can be an ideal card for you. The credit card is designed for frequent flyers who like to earn points on all expenses. With this card, you can earn InterMiles (earlier JetPrivilege miles), which can be used to redeem on booking flights, hotels, or any other related expense.
Nevertheless, you should be aware of its fees before applying for this credit card. Credit cards have different costs, including joining fees, annual fees, interest charges, and late payment fees. If you do not know these fees, you may end up paying more than you anticipate. In this article, we will explain all the fees of the InterMiles. HDFC Signature Credit Card in simple terms so that you can make a well-informed decision.
One of the most critical charges of this card is the joining fee, i.e., the fee one pays when they receive the card. The annual fee is another charge that you need to pay annually to keep the card valid. Some credit cards exempt you from paying an annual fee if you make a particular amount of purchase within a year. There are also late payment charges, cash advance charges, and foreign exchange charges, for which you need to be prepared before using the card.
Although the InterMiles HDFC Signature Credit Card is a good travel card, you need to understand its fees so you do not end up paying for something you do not need. In this, we would be discussing each fee so that you would be aware if this card is suitable for you or not.
What is the InterMiles HDFC Bank Signature Credit Card?
InterMiles HDFC Bank Signature Credit Card is a special card for travelers. By using this card, you earn InterMiles (earlier JetPrivilege miles) on spending on shopping, dining out, travel booking, and a whole lot more. You can redeem the earned miles to book your air ticket, stay in hotels, and other travel services and save on your travel.
This card also has entertaining perks like airport lounge access, fuel surcharge exemptions, and exclusive travel discounts. It is perfect for frequent travelers who want to save money while enjoying premium travel perks. Before applying, however, it is helpful to know the card’s fees, charges, and rewards system so that one can maximize its benefits.
What is the design of the InterMiles HDFC Bank Signature Credit Card?
The InterMiles HDFC Signature Credit Card boasts a sophisticated and high-end look that is symbolic of its travel and lifestyle benefits. The card boasts a sleek design with a black background and a contemporary and sophisticated appearance. It carries the InterMiles logo on one side and the HDFC Bank logo on the other, which makes it look professional and sophisticated.
The card also comes with an EMV chip to provide additional security from fraud and misuse. The card has a luxurious look to match its upper-class privileges and top-tier benefits enjoyed by travelers.
What are the benefits of the InterMiles HDFC Bank Signature Credit Card?
Following are the best rewards and benefits you earn with this card:
Earn InterMiles on Every Spend
- 8 InterMiles for each ₹150 spent on flight bookings made on InterMiles.com.
- 6 InterMiles for each ₹150 spent on hotel bookings made on InterMiles.com.
- 4 InterMiles for each ₹150 spent on other expenses such as shopping, dining out, and grocery.
Bonus Welcome Miles
- Receive 3,000 InterMiles as a welcome benefit when the joining fee is paid.
Airport Lounge Access
- Enjoy complimentary airport lounge access at select Indian domestic airports.
Fuel Surcharge Waiver
- Benefit from a 1% waiver on fuel expenses between ₹400 to ₹5,000.
Flight & Hotel Offers
- Enjoy member-specific discounts on flight and hotel reservations booked on InterMiles.com.
Entertainment Offers
- Avail discounts on movie tickets and eating out at partner restaurants.
EMI Facility
- Turn big expenses into easy EMIs and enjoy increased financial comfort.
Global Acceptance
- Shop, dine, and book overseas with your card.
What are the fees for the InterMiles HDFC Bank Signature Credit Card?
Here is a simple InterMiles HDFC Signature Credit Card fee breakup.
| Joining Fee | ₹2,500 + GST (One-time payment when you get the card) |
| Annual Fee | ₹2,500 + GST (Charged every 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 13.49% 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 InterMiles HDFC Bank Signature Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).
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 Signature Credit Card?
The documents that you will have to submit to Get an InterMiles HDFC Signature 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 Signature Credit Card be used?
Here is the list of places where you can use it:
- With the InterMiles HDFC Signature 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 Signature Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The InterMiles HDFC Signature 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 Signature Credit Card?
The credit limit of the InterMiles HDFC Bank Signature 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 Signature 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 Signature Credit Card.
- Just hover your cursor on the InterMiles HDFC Signature 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 Signature Credit Card.
- Request for the credit card application form for the InterMiles HDFC Signature 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 Bank Signature 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 Signature Credit Card in 2025 be right?
Yes, getting an InterMiles HDFC Bank Signature Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.
Conclusion
The InterMiles HDFC Signature Credit Card is suitable for frequent flyers who enjoy earning rewards on their spends. It provides InterMiles on every spend, which can be utilized in redeeming a flight, hotel stay, and other travel costs. The card also provides special perks such as airport lounge access, fuel surcharge refunds, and discounts on travel bookings, which make it even more beneficial for frequent flyers.
But before you proceed and apply for this card, it’s nice to know the charges. The card comes with a joining fee of ₹2,500 + GST and an annual renewal fee of ₹2,500 + GST, which can be waived if you spend ₹3,00,000 or more in a year. Foreign currency transaction fees, late payment interest, and cash withdrawal fees are some other expenses that you have to factor in. If you are smart about spending and settle bills on time, you can make full use of this card without paying unnecessary fees.
This card is best suited for people who are regularly booking flights and hotels through InterMiles.com and wish to accumulate miles on their frequent spending. This card can make you save money on travel as well as enjoy premium rewards if used tactfully. However, if you are not frequently traveling or do not have sufficient spending to offset the annual fee, you can look for alternative low-fee credit cards.
Frequently Asked Questions (FAQ’s)
Ans: The interest charge is 3.49% per month (41.88% annually) on unpaid balances.
Ans: HDFC Bank allows you to pay for large purchases in easy EMIs at a small charge of 1% of the transaction amount (minimum ₹150).
Ans: The card is also loaded with an EMV chip and PIN security, making the transactions secure. It also has contactless payment facilities for secure and quick transactions.
Ans: You can apply online at the HDFC Bank website or visit the nearest HDFC Bank branch. You need to meet the income eligibility and provide the necessary documents.
Ans: Yes, you can purchase add-on cards for your family members too, and they too can avail themselves of similar benefits.
