InterMiles HDFC Bank Platinum Credit Card
HDFC Bank · Discontinued
HDFC's entry InterMiles co-brand card, earning 4 InterMiles per ₹150 (8 per ₹150 on flights and hotels booked on InterMiles), with 8 domestic lounge visits a year, up to 3,000 welcome InterMiles and a ₹1,000 fee waived at ₹2.5 lakh a year. Discontinued: all features ended on 15 December 2024 and holders were moved to other HDFC cards.
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,000 + GST
- Fee waiver
- Annual fee waived on ₹2,50,000 spend per card year
- Base rate
- 4 InterMiles per ₹150 on retail spends: 4 InterMiles per ₹150 (about 0.67% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 24 Oct 2026
Main earn rates
- 8 InterMiles per ₹150 on flights and hotels booked on InterMiles: 8 InterMiles per ₹150 (about 1.33% at cash value)
Earns nothing on
- No InterMiles on fuel, wallet loads or EasyEMI
Where the sources disagree
- fuel surcharge waiver cap: The product page caps the waiver at ₹250 a billing cycle; the older MITC v1.76 groups InterMiles Platinum with the cards capped at ₹500. The page is used.
Terms the calculator does not value
- The card is discontinued: HDFC ended all features on 15 December 2024. The terms are the last published ones and no new card can be had, so the calculator's value is historical.
- No source gives a rupee value for an InterMile (InterMiles' terms say it has none), so the calculator uses our unverified programme estimate of ₹0.25 (see the InterMiles entry on the programmes file: full redemption ended 27 October 2023 and flight and hotel redemption reportedly in January 2026); the card's computed value depends on it.
- From 1 January 2023 HDFC capped grocery rewards on "InterMiles Credit Cards" at 1,000 a month (InterMiles Diners and Signature pages). This card's page does not repeat it, so the cap is not entered here.
- The 8 InterMiles per ₹150 rule for bookings on InterMiles' own sites never matches a calculator spend line, so it is not valued.
- MITC reward caps on insurance, groceries, utilities and telecom (MITC v4.15 clauses e, m and n) are not entered: the card is discontinued and its terms are no longer in force. HDFC's product page: "Intermiles card is phased out and we have migrated the existing cardholders to other HDFC bank credit card in a phase wise manner" (archived snapshot 195, line 3, the InterMiles Signature page; the same notice is on this card's page) and "effective 15th Dec'24, bank had discontinued all the product features on your Intermiles credit card"; MITC v4.15 no longer lists the card.
- SmartBuy accelerated earn (the chart's "Other credit card (CashBack)" column, for cards it does not name) is not entered: all InterMiles card features ended on 15 December 2024 (product page: "effective 15th Dec'24, bank had discontinued all the product features on your Intermiles credit card"), so the card earns nothing on SmartBuy today.
Sources
- InterMiles HDFC Bank Platinum Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- InterMiles HDFC Bank Platinum Credit Card fees and charges (Schedule of charges, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions, version 1.76 (older edition, undated; effective about September 2020) (Most important terms (MITC), the bank's own, read 20 Oct 2026)