HDFC Bank Intermiles Platinum Credit Card

Charge

• Cash advance fee: 2.5% or ₹500, whichever is higher.
• Finance charges (revolving credit and cash advances): 3.75% per month (45% p.a.) for all other variants (w.e.f 1st August'24).
• Cash processing fee: ₹100.
• Rewards Redemption Fee: ₹99 per redemption request.
• Payment Return Charges: 2% of payment amount subject to minimum ₹450.
• Over Limit charges: 2.5% of overlimit amount subject to minimum ₹550.
• Card validation charges: ₹2 (₹25 for MasterCard, void at POS).
• Reissue of Lost/Stolen/Damaged Card: ₹100.
• Dynamic currency conversion Markup Fee: 1% (w.e.f 1st Jan 2023).
• Add-on Card Fee: Lifetime Free.
• Fuel Charges: 1% fee on fuel transaction exceeding ₹15,000 (consumer cards), capped ₹4999.
• Utility Charges: 1% on utility spends exceeding ₹50,000/month (consumer), capped ₹4999.
• Education Charges: 1% on education via third party apps, capped ₹4999.
• Rent Pay: 1% on rental transactions (w.e.f 1st July 2025), capped ₹4999.
• Online Skill based Gaming: 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025), capped ₹4999.
• Wallet Loading (excl PayZapp): 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025), capped ₹4999.
• Duplicate physical statement: ₹10.
• Balance Transfer Processing: 1% of BT amount or ₹250, whichever higher.

Verified · HDFC Bank Credit Cards – Personal MITC (Most Important Terms & Conditions, March 2026) · 2026-08-03 · source

Interest-free period

• Interest free (grace) period could range from 20 to 50 days subject to the scheme applicable, and submission of claims by the merchant.
• Not applicable if previous month's balance is not cleared in full or if cash was availed from ATM.

Verified · HDFC Bank Credit Cards – Personal MITC (Most Important Terms & Conditions, March 2026) · 2026-08-03 · source

Milestone benefit

• Renewal Bonus: 1,500 InterMiles on minimum spends of ₹3,000 within first 30 days of card renewal date.
• First Quarter Bonus: 1,500 InterMiles on total retail spends of ₹50,000 or above within first 90 days of card set up date.

Verified · harvested from product page · 2026-08-03 · source

Redemption value

• InterMiles once credited to the customer's InterMiles account cannot be converted to Reward Points.
• Bonus InterMiles credited within 10 working days after monthly card statement is generated.
• Flight/hotel/Etihad bonus InterMiles credited 60 days post successful activity.

Verified · Intermiles Platinum Credit Card product page · 2026-08-03 · source

Reward cap

InterMiles accrued for Insurance transactions will have a maximum cap of 2,000 per transaction (Effective 1st July'2017).

Verified · harvested from product page · 2026-08-03 · source

Reward exclusion

• Cash advance, fuel transaction (Effective 15th April 2016), fees and other charges do not accrue any InterMiles.
• EasyEMI and e-wallet loading transactions will not accrue InterMiles.
• InterMiles accrued will be reversed if a retail transaction is converted into SmartEMI.
• Only retail purchases on and above ₹150 qualify.

Verified · harvested from product page · 2026-08-03 · source

Transfer rule

• Base InterMiles reflect within 10 working days after monthly statement is generated.
• Online/booking bonus InterMiles credited 60 days after successful flight activity or hotel stay.
• In event of ticket/booking cancellation, proportionate bonus InterMiles negated from cardholder's account.
• Purchase of redemption tickets does not qualify for online bonus InterMiles.

Verified · harvested from product page · 2026-08-03 · source

Dining benefit

• Up to 20% discount on dining bills paid via Dineout Pay via InterMiles.
• Maximum discount per transaction, per customer per month capped at ₹1,000.

Verified · Intermiles Platinum Credit Card product page · 2026-08-03 · source

Hotel benefit

Hotel discount voucher: 1 voucher worth ₹1,000 for the first year and 1 voucher worth ₹1,000 for the renewal year, on a minimum booking of ₹6,000 on interbook.intermiles.com.

Verified · harvested from product page · 2026-08-03 · source

Travel benefit

• Flight Discount Voucher: 1 voucher worth ₹500 for the First year and 1 voucher worth ₹500 for the Renewal year (on minimum booking of ₹3500), on https://www.intermiles.com.
• Hotel Discount Voucher: 1 voucher worth ₹1000 for First year and 1 voucher worth ₹1000 for Renewal year (on minimum booking of ₹6000), on https://interbook.intermiles.com.

Verified · harvested from product page · 2026-08-03 · source

Official terms

https://www.hdfc.bank.in/credit-cards/intermiles-platinum-credit-card.

Verified · Intermiles Platinum Credit Card product page · 2026-08-03 · source

cash advance fee

Cash advance fee: 2.5% of amount withdrawn or ₹500, whichever is higher.

Verified · HDFC Bank Credit Cards – Personal MITC (Most Important Terms & Conditions, March 2026) · 2026-08-03 · source