HDFC Bank All Miles Credit Card Review: Everything You Need to Know About Fees, Features, Benefits, and Rewards

In the world of credit cards, it’s easy to get lost in the weeds trying to find the right option for your spending habits and lifestyle. There are many credit cards available which offer cashback, rewards, and other perks, so it is important to select a card which suits you. The HDFC Bank All Miles Credit Card is the best travel credit card for frequent fliers and air mile lovers.

One such card is the HDFC Bank All Miles Credit Card, which is a travel credit card and can help you earn miles for your daily expenses. For booking flights, dining, or even shopping, the card lets you earn miles good enough to get that free flight you’re aiming for, a hotel stay, and even more. In this post, we will cover the highlights, benefits, fees, and how this card compares to more travel cards to help you figure out if it’s a good fit for you.

All Miles Credit Card from HDFC Bank Brief Review

The HDFC Bank All Miles Credit Card is a mileage card for travelers at the same time for those who wish to earn miles on all their spends. It comes with several benefits that can save you money on travel and provide some unique perks. Giving miles on all spends, the Card allows you to redeem these miles on any airlines as per your choice to any destination you like.

Whether you’re a jet-setter or a regular traveler, the HDFC Bank All Miles Credit Card ensures that you can make the most of it all without having to dedicate your spending budget solely to travel expenses.

HDFC Bank All Miles Credit Card Features

So, without further ado, here are the HDFC Bank All Miles Credit Card features before we explore its benefits and rewards:

• Joining Fee: ₹1,000 + GST (Waived off on spends of ₹20,000 within 90 days)

• Renewal Fee: ₹1,000 + GST (Reversed all on spending ₹1,50,000 in a year)

• Welcome Benefit: 5000 reward points (equals 1000 miles) on first card swipe + Additional 5000 reward points on spends of ₹1,00,000 within 90 days of card issuance

• Miles Accrual: Get 4 reward points for every ₹150 spent on travel-related transactions

• Miles Redemption: 1 Point = 1 Mile

• Lounge Access: 8 complimentary domestic lounge visits per year

• Fuel Surcharge Waiver: Enjoy 1% fuel surcharge waiver across all petrol pumps in India

• Reward Point Redemption: Reward points/miles earned can be redeemed within 3 years of earning them

• Accepted Globally: Use your cards anywhere ice (closed) and uatp are accepted worldwide - at over 24 million locations and 3 million ATMs throughout the united states and around the world

Features and Benefits of the HDFC Bank All Miles Credit Card

Miles on Every Spend

The HDFC Bank All Miles Credit Card’s biggest advantage is that you earn miles on all your spends. Get 4 reward points on every ₹150 spent on travel spent on purchase of airline tickets, hotel & car rental. Those miles can then be utilized for reserving the flights, hotel stays and any other travel expenses.

The 4 reward points per ₹150 on travel spends is an added advantage over plain vanilla cash back cards. If you’re a frequent flyer or spend a lot on travel, you’ll earn valuable miles for spending you would normally make anyway.

Miles for Flights and Hotels

The miles you earn on the HDFC Bank AllMiles Credit Card can be redeemed for a wide variety of travel related benefits. Those include flights with 200+ airlines and stays in hotels from the most popular hotel chains. It has some great options for how you can use those miles with a variety of airline and hotel partners, both domestic and international.

One of the key benefits of this card is that the miles earned can be directly used through HDFC Smart Miles wherein you can redeem the miles for multiple leading airline miles and hotel miles directly through the card. This kind of flexibility enables you to select from multiple redemption options, to be confident you can redeem your miles for the rewards you desire most.

Welcome Benefit: 5,000 Miles

To make the card holder’s experience even better, HDFC Bank All Miles Credit Card provides an attractive welcome boost. On your first spend of worth ₹1,00,000 or more done within 90 days of card issuance, you get 5000 reward points. It is because miles + bonus reward points, which converts to 1000 miles, will already be in your account and you will be closer to your next travel destination instantly.

Complimentary Lounge Access

When you fly often, you understand the significance of chilling at an airport lounge before your flight. If you’re a frequent flyer, the HDFC Bank All Miles Credit Card is tailored for you as it offers 8 Free lounge visits per quarter at domestic airports. When you have some time to wait between flights, you can definitely head to one of the many luxury lounges that provide comfy seating, snacks, free Wi-Fi, and so much more which all help make the experience of traveling a bit easier.

This is especially great for anyone who travels frequently for business or to take the edge off the agony of being at the airport.

Fuel Surcharge Waiver

Fuel is an expense that is hard to slash when you own a car, but HDFC Bank All Miles Credit Card enables its users to save 1% fuel surcharge at all fuel stations in the country. This perk might help you save some cash at the pump, especially if you use the card for everyday fuel purchases.

But this waiver is applicable on fuel purchase of ₹400 and ₹5,000 and that is what makes it an attractive proposition for anybody who commutes to work on daily basis.

Global Acceptance

The HDFC Bank All Miles Credit Card runs on both the MasterCard and Visa networks, which implies it can be used in more than 24 million outlets across the globe, including 3 million ATMs. No matter where you are shopping from, either at home or abroad, you simply need to bring a card and walk with confidence, knowing you will have use of it. This worldwide acceptance is hugely advantageous for those who have to trek around the world as there is no card juggling or currency exchange worries.

Reward Points Validity

Question: I have an issue which is popular which is credit card reward points expiry. When you use the HDFC Bank AllMiles Credit Card, your reward points remain valid for 3 years from the date they have been earned. This way you’re able to spend on your schedule and redeem on your schedule without fear that you’ll lose out on them too early.

HDFC Bank All Miles Credit Card Fees and Charges

The HDFC Bank All Miles Credit Card comes with a lot of great benefits, but one should also have knowledge of the card fees and charges. Here's a breakdown:

• Joining Fee: ₹1,000 + taxes (waived off on ₹20,000 spend in 90 days)

• Renewal Fee: ₹1,000 + GST (reversed on annual spends of ₹1,50,000)

• Interest Rate: 3.49%pm (or 41.88% pa) on Unpaid Amounts

• Late Payment Fee: ₹100 to ₹1,100 (Based on the balance outstanding)

• Cash Withdrawal Fee: 2.5% or ₹300 (whichever is more)

• Foreign Currency Markup: 3.5% on overseas transactions

HDFC Bank AllMiles Credit Card Eligibility Requirements for HDFC Bank AllMiles Credit Card

Before you submit an application for HDFC Bank All Miles Credit Card, check to see if you meet the eligibility criteria.

• AGE: 21 TO 60 YEARS OLD

• Income: Net monthly income of at least ₹25,000 (for salaried) or annual income of ₹5 lakh (for self employed)

• Credit Score: You will need a good credit score (generally a minimum of 750 or higher) in order to increase your probability for approval

Final Thoughts

The HDFC Bank All Miles Credit Card is perfect for customers seeking to maximise on their travel spending. The card provides lots of great perks such as reward points, lounge access, and average miles redemption. With low annual fees that can be easily offset with sufficient spending, it presents fantastic value for those who travel often and want to earn miles in a hurry.

Whether you’re booking your next flight, a stay at your favorite hotel, or you just want to earn miles on all spending, this card offers easy ways to do that. It's well rounded with its international acceptance and a deep stack of travel related benefits, yes! the HDFC Bank All Miles Credit Card is definitely one of the best travel cards in India available as of now.

If you’re a frequent flyer seeking to earn miles on your day-to-day spending, then you should definitely consider the HDFC Bank All Miles Credit Card.