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InterMiles HDFC Bank Platinum Credit Card

by Kshitiz V Sharma on

The Bottom Line

InterMiles HDFC Bank Platinum Credit Card
Low Fee, Low Rewards

8 InterMiles / ₹150 on Flight ticket and Hotels bookings via InterMiles Website and 4 InterMiles on all other spending. ₹1,000 Annual Fee.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-1.0%)^ 0.0% 0.4% 0.9% 0.9%
Est. Monthly Reward (₹) (50) (5) 85 435 885
All-India Rewards Rank* 220 232 221 156 148
Within Bank Rank* 34 38 27 27 22
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The InterMiles HDFC Bank Platinum Credit Card offers effective reward of 1.6% on travel and 0.8% on all other retail spending.

Overall, we estimate you can earn a net reward yield up to 0.9% on spending above ₹50,000 with this card in a month.

Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.

It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.

If you spend less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a net reward yield of 1.9-2.4%.

If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card InterMiles HDFC Bank Platinum Credit Card
Card Type Reward
Reward Features 8 InterMiles / ₹150 on Flight ticket and Hotels bookings on InterMiles Website

4 InterMiles / ₹150 on retail spends

Milestone Rewards 1,500 InterMiles on spending ₹50,000 in first 90 days
Other Rewards – 5% discount* on Etihad Airways Economy Class tickets booked via InterMiles website

– 2 Domestic and International Airport Lounges / Qtr.

– 20% discount on dining bills through Dineout (Max discount ₹1,000)

Rewards Redemption Fee ₹99
Reward Caps 1000 Reward Points on Grocery transactions
Preferred Redemption Method Redeem InterMiles against travel bookings on InterMiles Website


Fees & Charges

Card InterMiles HDFC Bank Platinum Credit Card
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹2.5 Lacs
Income Criteria Salaried ₹30,000
Self-employed ITR>₹6 Lacs
Supplementary Card Fee Free
Interest Rate 43.20% p.a.
Foreign Currency Markup 2.00%
Cash Advance Charge 2.50% with a minimum of ₹500

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