HDFC Bank All Miles Credit Card

Charge

• Finance charges on revolving credit: 3.49% p.m. (41.88% annually), revised to 3.6% p.m. (43.2% annually) w.e.f. 1st Sep 2020.
• Cash Advance: 2.5% of amount withdrawn or ₹500 whichever is higher.
• Cash advance limit 40% of credit limit.
• Late Payment Charges (w.e.f. 1st Sep 2020): Nil below ₹100, ₹100 for ₹100-500, ₹500 for ₹501-5,000, ₹600 for ₹5,001-10,000, ₹800 for ₹10,001-25,000, ₹1100 for ₹25,001-50,000, ₹1300 for above ₹50,000.
• Overlimit charge 2.5% of overlimit amount, min ₹550 w.e.f. 1st Sep 2020.
• Payment Return Charges 2% of payment amount min ₹450.
• Cash Processing Fee ₹100.
• Rewards Redemption Fee ₹99 per redemption request.
• Duplicate physical statement ₹10 w.e.f. 1st Sep 2020.
• Railway Ticket Purchase Fee 1% + GST.
• Wallet loading 2.5% of load value.
• Dynamic Currency Conversion (DCC) markup fee revised to 1.75% w.e.f. 15th May 2026.
• Card re-issuance fee ₹199 for non-metal variants (₹3,500 for metal) w.e.f. 15th May 2026.
• Auto EMI conversion: 9 months at 20% ROI, processing fee ₹99.

Verified · harvested from product page · 2026-08-02 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver capped at ₹500 every billing cycle (GST applicable).
• Waived for transactions between ₹400 and ₹5,000.
• Reward Points not accrued on fuel transactions.
• GST on fuel surcharge is non-refundable.

Verified · harvested from product page · 2026-08-02 · source

Redemption value

• Rewards Redemption Fee ₹99 per redemption request (not charged on redemption of reward points towards cashback).
• For flight and hotel bookings on HDFC Bank SmartBuy, up to a maximum of 50% of booking value can be redeemed through Reward Points (effective 10th June 2019).
• Reward Points valid for 2 years from date of accumulation.

Verified · harvested from product page · 2026-08-02 · source

Reward cap

• Reward Points earned for transaction amounts in multiples of ₹150.
• Residual amounts or transactions below ₹150 do not earn Reward Points (from 15th May 2026, multiples of ₹200).
• Reward Points for insurance transactions capped at 2,000 per day (all cards other than Infinia/Diners Black).

Verified · harvested from product page · 2026-08-02 · source

Reward exclusion

• Reward Points earned for transaction amounts in multiples of ₹150 (revised to ₹200 w.e.f. 15th May 2026).
• Residual amounts or transactions below the threshold will not earn Reward Points.
• EasyEMI and e-wallet loading transactions do not accrue Reward Points.
• Points reversed if a retail transaction is converted into SmartEMI.

Verified · harvested from product page · 2026-08-02 · source

Eligibility

• The credit limit on the All Miles Credit Card is determined by HDFC Bank based on individual eligibility, income and credit worthiness.
• HDFC Bank is currently not accepting new applications for this card.

Verified · All Miles Credit Card product page · 2026-08-02 · source

Official terms

https://www.hdfc.bank.in/credit-cards/all-miles-credit-card.

Verified · All Miles Credit Card product page · 2026-08-02 · source