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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | -3.2%^ | -0.9%^ | 0.2% | 1.3% | 1.3% |
| Est. Monthly Reward (₹) | (160) | (90) | 45 | 650 | 1,330 |
| All-India Rewards Rank* | 299 | 298 | 260 | 76 | 70 |
| Within Bank Rank* | 46 | 45 | 33 | 13 | 13 |
| * 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. |
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The InterMiles HDFC Bank Signature Credit Card offers effective rewards of 2.4% on travel and 1.2% on all other retail spending.
Overall, we estimate you can earn a net reward yield of 1.3% with this card if you are spending more than ₹50,000 a month with this card.
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.
| Card | InterMiles HDFC Bank Signature Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 12 InterMiles / ₹150 on Flight ticket and Hotels bookings on InterMiles Website
6 InterMiles / ₹150 on retail spends |
| Milestone Rewards | 8,000 InterMiles on spending ₹6,000 – 90,000 in first 90 days |
| Other Rewards | – 10% discount* on Etihad Airways Business Class tickets booked via InterMiles website
– 5% discount* on Etihad Airways Economy Class tickets booked via InterMiles website – 4 Domestic and International Airport Lounges visit / 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 |
| Card | InterMiles HDFC Bank Signature Credit Card | |
|---|---|---|
| Joining Fee | ₹2,500 + Taxes | |
| Annual Fee | ₹2,500 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | ₹90,000 p.a. |
| Self-employed | ITR>₹12 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 43.20% p.a. | |
| Foreign Currency Markup | 1.99% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
