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InterMiles HDFC Bank Signature Credit Card
HDFC Bank
Joining Fee₹2,500Renewal Fee₹2,500
Last verified: 24 Sept 2026
Reward Program
InterMiles1 point = ₹0.40
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Flight and hotel bookings on InterMiles | 3.2% | No cap |
HDFC SmartBuy - flight and hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel) | 5% | ₹1,000/monthly |
| All other spends | 1.6% | No cap |
Redemption fee: 99
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Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
InterMiles redeem for flight and hotel bookings on the InterMiles platform. No fixed rupee rate is published; ₹0.40 a mile is the working valuation used across this dataset.
Live Offers
245 activePharmeasy10% Cashback on PharmEasy purchase
10% cashbackTill 31 Dec
Indian Gifts Portal IGP10% Cashback on purchasing Gifts on IGP
10% cashbackTill 31 Dec
Jockey10% Cashback on Jockey purchase
10% cashbackTill 31 Dec
Cleartrip5% Cashback on hotel booking
5% cashbackTill 31 Dec
Cleartrip5% Cashback on e-voucher purchase
5% cashbackTill 31 Dec
Benefits
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Fuel Surcharge Waiver
Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹2,500/yr |
| Renewal Fee | ₹2,500/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
