InterMiles HDFC Bank Signature Credit Card
HDFC Bank · Discontinued
HDFC's upper InterMiles co-brand card, earning 6 InterMiles per ₹150 (12 per ₹150 on flights and hotels booked on InterMiles), with 16 domestic lounge visits a year, up to 8,000 welcome InterMiles and a ₹2,500 fee waived at ₹3 lakh a year. Discontinued: all features ended on 15 December 2024 and holders were moved to other HDFC cards.
- Annual fee
- ₹2,500 + GST a year
- Joining fee
- ₹2,500 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 6 InterMiles per ₹150 on retail spends: 6 InterMiles per ₹150 (about 1% at cash value)
- Lounges
- Domestic: 4 visits a calendar quarter; International: 5 visits a calendar year
- Forex markup
- 2%
- Data
- From bank documents, checked 24 Oct 2026
Main earn rates
- 12 InterMiles per ₹150 on flights and hotels booked on InterMiles: 12 InterMiles per ₹150 (about 2% at cash value)
Earns nothing on
- No InterMiles on fuel, wallet loads or EasyEMI
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.
- The 12 InterMiles per ₹150 rule for bookings on InterMiles' own sites never matches a calculator spend line, so it is not valued. InterMiles for insurance payments are capped at 2,000 a day, which is also not modelled.
- MITC reward caps on utilities and telecom (MITC v4.15 clause n, from 1 September 2024) are not entered: the card is discontinued and its terms are no longer in force.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) 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 Signature Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- InterMiles HDFC Bank Signature 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)