The HDFC Bank All Miles Credit Card is one of the basic yet exclusive HDFC Bank Credit Cards. With its exciting benefits, it allows its customers to save on most of their spends in the form of Reward Points. It comes with a nominal joining fee of Rs. 1000 which can be waived off by spending just Rs. 15,000 within the first 90 days after receiving your card. The renewal fee of Rs. 1000 can also be waived off by spending Rs. 1 lakh in a year. With this card, you get 3 Reward Points for every Rs. 100 spent and you get 6 Reward Points for every Rs. 100 spent on mobile recharge, shopping, or hotel bookings.
These Reward Points you earn can be redeemed against an array of options available at the HDFC SmartBuy portal, and hence the card allows you to save more & more. Other than that, the fuel surcharge waiver with a maximum benefit of Rs. 500 per month is another key feature of the HDFC Bank All Miles Credit Card. To know all about the card, its benefits, and fees & charges, refer to the detailed information given below:
- Joining Fee- Rs. 1,000 (plus applicable taxes)
- Renewal Fee- Rs. 1,000 (plus applicable taxes)
- Best Suited For- Shopping
- Reward Type- Reward Points
- Welcome Benefit- N/A
Rewards and Benefits
- Movie & Dining- N/A
- Rewards Rate- 3 Reward Points per Rs. 150 spent and 6 Reward Points per Rs. 150 spent on shopping, mobile recharge, and hotel bookings.
- Reward Redemption- The Reward Points you earn can be redeemed against various options from the HDFC Rewards catalog.
- Travel- N/A
- Golf- N/A
- Domestic Lounge Access- N/A
- International Lounge Access- NA
- Insurance Benefits- N/A
- Zero Liability Protection- The cardholder will not be liable for any unauthorized transactions made on his/her card once the loss is reported to the bank.
Fees & Charges
- Spend based Waiver- The joining fee is waived off on spending Rs. 15,000 or more within the first 90 days and the renewal fee is waived off if a minimum of Rs. 1 lakh were spent in the previous year
- Rewards Redemption Fee- Rs. 99 on every redemption request (plus applicable taxes)
- Foreign Currency Markup- 3.5% on all foreign currency spends (plus applicable taxes)
- Interest Rates- 3.6% per month (or 43.2% per annum)
- Fuel Surcharge- 1% fuel surcharge waiver on all fuel transactions above Rs. 400 (max waiver capped at Rs. 500)
- Cash Advance Charge- 2.5% of the amount withdrawn, subject to a minimum charge of Rs. 500
- Add-on Card Fee- Nil
Product Details
- You get 3 Reward Points for every Rs. 150 you spend using your HDFC Bank All Miles Credit Card.
- You get 2x Reward Points on every spend of Rs. 150 on shopping, mobile recharge, or hotel bookings.
- Spend Rs. 15,000 in 3 months and get your joining fee waived off.
- Spend Rs. 1 lakh or more in one year and get your renewal fee waived off.
- Get a 1% fuel surcharge waiver.
HDFC Bank All Miles Credit Card Features and Benefits
Some of the important features and benefits associated with the HDFC bank All Miles Credit card are mentioned below:
Joining and Renewal Fee Waiver
- The joining fee is waived off if you spend Rs. 15,000 or more within the first 90 days after the card set-up date.
- The renewal fee is waived off if you spend Rs. 1 lakh or more in the previous year.
Fuel Surcharge Waiver
- You get a 1% fuel surcharge waiver across all fuel stations for a minimum transaction of Rs. 400.
- The maximum benefit through the fuel surcharge waiver is capped at Rs. 500 per month.
HDFC Bank All Miles Credit Card Rewards:
- You get 3 Reward Points on every spend of Rs. 150.
- You get 6 Reward Points for every spend of Rs. 150 on hotel bookings, mobile recharge, or shopping.
- Fuel transactions are not eligible for Reward Points.
- These Reward Points are valid for 2 years after the date of accumulation.
How To Redeem HDFC All Miles Credit Card Reward Points?
The Reward Points earned on HDFC All Miles Credit Card can be redeemed for products, gift vouchers or discounts on HDFC Reward catalog via Net Banking or through mail.
HDFC All Miles Credit Card Eligibility Criteria
- For salaried employees, the eligible age to apply for this card is 21 years to 60 years.
- For self-employed individuals, the eligible age to apply for this card is 21 years to 65 years.
Documents required
You will also need a few documents while applying for the HDFC bank’s All Miles Credit Card. These documents are listed below:
- Identity Proof – Voter Id, Aadhar Card, Passport, Driving Licence, PAN Card, etc.
- Address Proof – Utility bills, Aadhar Card, rent agreement, passport, driving license, flat maintenance bills, Ration Card, etc.
- Copy of PAN Card
- Income Proof: Latest months’ bank statements, latest months’ salary slips, or latest audited ITR.
How To Apply For The HDFC Bank All Miles Credit Card?
The HDFC Bank allows you to apply for the All Miles Credit Card online as well as offline as per your comfort. To apply offline, you can simply visit your nearest HDFC Bank branch and fill in the physical application form. Make sure that you carry all the important documents with you. However, if you want to apply online, you can easily do it as follows:
- Open the official website of the HDFC bank.
- Under the section ‘Borrow,’ click on ‘Credit Cards.’
- You will be redirected to another page where different credit cards have been categorized under different sections.
- Under the category ‘Other Cards,’ find the ‘HDFC All Miles Credit Card.’
- Click on ‘Know More’ and then on ‘Apply Online.’
- Start by entering your mobile number and captcha code.
- Fill in all the required details and submit the form.
Conclusion
Considering the reward rate and other additional benefits that it offers, HDFC All Miles Credit Card can be considered a decent choice for frequent travelers and shopaholics as you get 2X Reward Points on hotel bookings, mobile recharges, and shopping. Although you don’t get travel benefits like complimentary airport lounge access, concierge service, etc, since it is an entry-level card, there’s not much to complain about. However, it doesn’t provide any travel benefits, so might not be a good choice for frequent travelers. Another HDFC Credit Card that is similar to the All Miles Card is the HDFC Bank Diners Club Miles Credit card, which will be more of a good choice for those who want travel privileges with their credit card. What do you think about this entry-level credit card by HDFC Bank? Do let us know in the comments, and if you’re an existing cardholder, feel free to share your experience.
