InterMiles HDFC Bank Platinum Credit Card: A Detailed Review

In the credit card universe, there’s a wide chasm between products tailored to the varying spending habits and demands of individual consumers. Whether you want to get rewarded on travel, dine and entertain, or simply enjoy purchasing from UNI, our Member Credit Cards are the ideal fit for UNI students and alumni. Of all the options, the InterMiles HDFC Bank Platinum Credit Card is a superior option to consider if you are a frequent traveller and a rewards lover. This card not only helps you earn InterMiles (a leading frequent flyer program) but also brings to you a variety of benefits to suit all your lifestyle needs.

In our blog, we will do a deep-dive to understand the characteristics, perks and overall pros of the InterMiles HDFC Bank Platinum Credit Card. You will learn everything about the card, from its points reward system to travel perks and lifestyle benefits, and decide if it’s the card you want in your pocket or pass.

InterMiles HDFC Bank Platinum Credit Card Review

Summary Review of the InterMiles HDFC Bank Platinum Credit Card

The InterMiles HDFC Bank Platinum Credit Card is a co-branded card in collaboration with InterMiles, a well-known frequent flyer program. The card is perfect for anyone looking to earn rewards on their everyday spending, as well as make the most out of travel. With this card, you earn on EVERY spend and you can redeem it for flight tickets, hotel stays and a number of exciting products and services in the InterMiles reward catalog.

The card is also equipped with several other offerings like dining privileges, special shopping offers and a huge array of lifestyle benefits. That also makes it a well-rounded credit card that can be a go-to for most of your spending, and a great option for beginner travelers all the way to seasoned pros.

Highlights of the InterMiles HDFC Bank Platinum Credit Card

Reward Points System

One of the most attractive options is cardholders earn InterMiles with InterMiles HDFC Bank Platinum Credit Card on every spend. Extra Reward Points Offered are as follows:

• ₹150 on all retail spend to accumulate 4 InterMiles.

• 4 InterMiles for every ₹150 spent on transactions done online.

• 2 InterMiles for every ₹150 on utility bill payments.

And it also gives its members “step-up” bonus InterMiles once they spend a certain amount on their card within a specified period, giving cardholders an excellent way of racking up points in double-quick time. These InterMiles are redeemable in return for a range of travel related benefits such as:

• Flight tickets on partner airlines.

• Hotel stays at participating properties.

• Automotive rentals and other travel services.

Annual Fee & Renewal Fee

The annual fee of the InterMiles HDFC Bank Platinum Credit Card is ₹1,000 – it is fairly reasonable for a premium travel card. The annual fee is as good as the joining fee and can be waived depending on the amount cardholder has spent in a year.

• Joining Fee: ₹1,000

• Renewal Fee: ₹1,000 (Can be waived off on spending ₹1,00,000 in the previous year)

Travel Benefits

True to its name, the InterMiles HDFC Bank Platinum Credit Card is designed for travel enthusiasts. The card comes with a number of travel perks that frequent flyers eyeballing it will love:

• Earning InterMiles: As shared above, a user will be collecting 4 InterMiles for every ₹150 spent, 4 points on every ₹150 spent works as an added bonus when it comes to accumulating points on regular transactions.

• Flight and Hotel Redemption: The accumulated InterMiles can be redeemed against flight tickets, hotel bookings and other travel related services with participating airlines and travel partners.

• Free Lounge Access: Enjoy access to more than 700 airport lounges around the world. This perk will make your travels more comfortable—regardless of if you’re hitting the skies for business or leisure.

Dining and Shopping Benefits

Additionally, the card offers lifestyle and dining privileges that enrich the cardholder’s overall experience of living. Following are some of the main advantages:

• Dining Perks: Cardmembers can receive exclusive dining discounts at participating restaurants. Whether you’re celebrating a special occasion or heading out for a casual meal, this perk can soften the blow of dining costs.

• Shopping Offers: The card brings in different discounts and cashback offers in different genres including fashion, electronics and more. Shopping where your wallet benefits every time! When you shop with your InterMiles HDFC Bank Platinum Credit Card you earn reward points that give you value for your spend!

Fuel Surcharge Waiver

The 1% fuel surcharge is waived off on all petrol pumps across India on InterMiles HDFC Bank Platinum Credit Card. This is valid on transactions between ₹400 to ₹5,000, so it will be easier for the cardholder to save on the fuel expenses during refilling at the pump.

Complimentary Insurance Coverage

With the card, you have access to great social and financial health insurance, but that does not free you from all consequences. Here are some of the primary insurance coverage benefits:

• Air Accident Insurance: Insurance in case of an accident while flying.

• Lost Card Liability: Safeguard yourself from fraudulent transactions if you lose your card.

• Purchase Protection: A form of insurance against theft or damage for items bought on the card.

• Travel Inconvenience Insurance: if there are delays, missed flights or luggage is lost.

No Cost EMI

The InterMiles HDFC Bank Platinum Credit Card also converts the big purchases that card members make into monthly installments. Cardholders also have the option to convert their transactions into easy monthly instalments (EMIs) without any additional cost also known as No Cost EMI. This one is great for expensive buys such as electronics, furniture, appliances.

InterMiles HDFC Bank Platinum Credit Card Benefits and Features

Easy Accumulation of InterMiles

InterMiles HDFC Bank Platinum Credit Card Advantages and Benefits The main advantage of the InterMiles HDFC Bank Platinum Credit Card is that it assists cardholders in earning InterMiles on all transactions. Whether it’s your everyday spending or a big purchase, the card provides an easy way to earn miles that can be redeemed for travel. For those who travel a lot, the card offers an easy way to rack up miles while also redeeming them for flights, hotel stays and other travel services.

Travel Perks for Frequent Flyers

The InterMiles HDFC Bank Platinum Credit Card is perfect for the jetsetter, with perks such as free lounge access, flight/hotel redemption and accelerated InterMiles earning on travel related spends! This earns the card a hefty volume of users who travel often for business or pleasure and want to use points for plane tickets on partner airlines.

Lifestyle and Dining Offers

Beyond travel rewards, the card provides special dining and shopping perks. From dining, to shopping, to everything else... with this card, you can enjoy discounts at the place or store that you love.

Affordable Annual Fees

The InterMiles HDFC Bank Platinum Credit Card is worth every rupee you pay as an annual fee (₹1,000 only). When you think about the access to travel, dining, shopping that comes with the card, the fee is close to a bargain for those looking to partake in premium perks that don’t have to break the bank.

Final Thoughts

The InterMiles HDFC Bank Platinum Credit Card is an excellent one for travellers who fly often or desire to get rewards on their daily expenditure. The value for the money is significant, especially given modes of benefits, travel rewards and privileges, lifestyle offers and shopping offers.

So if you’re a person who loves earning rewards on travel, dining, shopping and tries to maximise the shopping need each and every time, it makes a good sense to have a look at InterMiles HDFC Bank Platinum Credit Card. With its rewards points system, low annual fee and those extra bonuses, it is also a great sidekick for your day-to-day life as well as travel.

For frequent travelers, the InterMiles ICICI Bank Sapphiro Credit Card is essential as it enables you to accumulate precious InterMiles as you go about your travel, redeemable as free flights or stays at hotels along with exclusive travel benefits. So, born here with an itch for travel or simply prefer the finer things then this card is about to enhance your life and make all of your purchases a bit more rewarding.