The verdict
Frequent domestic travelers aur holiday bookers ke liye dependable entry-level travel card. AllMiles portal pe double reward points earn karte hue sirf ₹1 Lakh annual spend pura karke ₹1,000 fee waive karana smart savings provide karta hai.
Monthly ₹8,000 AllMiles travel bookings pe spend (saal ka ₹1,920 value) + ₹5,000 retail spend (saal ka ₹600 value) + saves ₹400 on fuel milakar ₹1,00,000 spend pura karke ₹1,000 fee waive hoti hai aur ₹2,920+ net travel value deliver hoti hai (2.9× ROI).
Koi complimentary airport lounge access nahi milta aur AllMiles portal ke bahar redemption value kam ho jati hai.
✓What works
- +AllMiles travel portal pe flight aur hotel bookings pe 6 Reward Points per ₹150 spent (2.0% return).
- +Other general domestic retail spends pe 3 Reward Points per ₹150 (1.0% return).
- +Saal ka ₹1,00,000 spend reach karne pe ₹1,000 renewal fee 100% waived.
- +AllMiles booking platform pe flights aur hotels ke liye 1 Reward Point = ₹0.50 ki redemption value.
- +All petrol pumps pe ₹400–₹5,000 ke fuel transactions pe 1% surcharge waiver.
- +Earned reward points accrual date se pure 2 saal tak valid rehte hain.
✕What doesn't
- −Koi airport lounge access nahi milta.
- −₹1,000 + GST ki annual renewal fee.
- −International transactions pe standard 3.5% + GST forex markup.
What it earns
1 Reward Point = ₹0.50 on HDFC AllMiles portal for flight and hotel bookings.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Flights & Hotels via AllMiles Portal | 6 pts / ₹150 (2.0%) | Uncapped | 4,000 pts (₹2,000 value) |
| All Other Domestic Retail Spends | 3 pts / ₹150 (1.0%) | Uncapped | 2,000 pts (₹1,000 value) |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
2X Reward Points on AllMiles Travel Portal
Flight tickets aur hotel reservations pe double reward points enjoy karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| AllMiles Portal Flights/Hotels6 pts per ₹150 spent. | 2X · 2.0% | Uncapped | — |
| Fee WaiverWaived at ₹1,00,000 spend. | 100% · ₹1,000 Waived | 1 / year | — |
Redemption options
HDFC AllMiles portal pe flight bookings, hotel stay ya brand vouchers ke liye 1 pt = ₹0.50 pe redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| AllMiles Travel Bookings (Flights & Hotels)BEST VALUE | ₹0.50 / Reward Point | 500 pts | None | ₹99 + GST |
| Brand Shopping Vouchers | ₹0.25 / Reward Point | 500 pts | None | ₹99 + GST |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +AllMiles portal pe flights aur hotels.
- +General domestic retail shopping.
- +Complimentary add-on cards.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹5,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹1,000 + GST |
| Annual Renewal Fee | ₹1,000 + GST (Waived at ₹1,00,000 spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.49% / month (41.88% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–60 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.0 Lakhs per annum |
Frequently Asked Questions
Kya HDFC All Miles Credit Card par airport lounge access milta hai?
HDFC All Miles Credit Card ke MITC charges, annual fee aur interest rate kya hain?
HDFC All Miles Credit Card par reward rate aur points ki real rupee value kya hai?
HDFC All Miles Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein HDFC All Miles Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: HDFC All Miles Credit Card
HDFC All Miles Credit Card ek versatile mid-tier aviation aur travel credit card hai, jo domestic travelers ko single airline lock-in ke bina major airline programs mein direct 1:1 air miles conversion provide karta hai. ₹1,000 + GST annual fee par issue hone wale is card ki renewal fee card anniversary year mein ₹1,00,000 retail spend complete karne par 100% waive ho jaati hai.
Card flexible air travel rewards deliver karta hai: general retail spending par 3 Reward Points per ₹150 spend (1.0% base return), dedicated AllMiles portal se flight tickets book karne par double points (6 Reward Points per ₹150 spend), airline loyalty programs mein 1 Reward Point = 1 Air Mile conversion, aur 1% fuel surcharge waiver.
Key Privileges aur Everyday Benefits
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Direct 1:1 Air Miles Conversion: Apne accumulated Reward Points ko major domestic airline partner programs mein 1:1 ratio par convert karein.
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Double Points on AllMiles Travel: AllMiles portal se flight tickets aur hotel stays book karke har ₹150 par 6 Reward Points earn karein.
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Consistent Base Accrual Rate: Everyday retail shopping par har ₹150 spend par 3 Reward Points earn karein.
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Achievable ₹1 Lakh Spend Waiver: Annual ₹1,00,000 retail spend complete karte hi renewal fee 100% reverse ho jaati hai.
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1% Fuel Surcharge Waiver: Petrol pumps par ₹400 se ₹5,000 ke fuel transactions par 1% surcharge waiver (up to ₹250 per cycle).
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
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No Complimentary Lounges: Is card par koi free domestic ya international airport lounge access included nahi hai.
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Legacy Grandfathered Card: Fresh issuance closed hai; existing cardholders retain 1:1 mileage transfer privileges.
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Points Best for Air Miles: Points air miles conversion par best return dete hain; statement credit conversion lower hota hai.
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Excluded Categories: Fuel purchases, rent aggregator payments, wallet top-ups aur government utility taxes par zero points accrue hote hain.
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Standard 3.5% Forex Fee: Foreign currency transactions par standard 3.5% + GST markup fee charge hota hai.
Yeh Card Kinke Liye Best Fit Hai
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Multi-Airline Domestic Fliers: Fliers jo different domestic airlines se travel karte hain aur flexible 1:1 miles conversion chahte hain.
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Travel Booking Maximizers: Cardholders jo AllMiles portal se flight booking karke double 6 points per ₹150 enjoy karte hain.
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Everyday Spenders on a Budget: Users jo monthly ₹10,000 spend karke ₹1L annual spend waiver comfortably achieve karte hain.
- HDFC Bank — AllMiles Credit Card features & tariff schedule
- HDFC AllMiles Travel portal redemption terms
Independent Editorial & Legal Disclaimers
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