The verdict
An accessible entry-level travel credit card for travelers who frequently book domestic flights and hotels. Double reward points on the AllMiles booking engine paired with a reasonable ₹1 Lakh spend waiver makes it easy to recoup value.
Spending ₹8,000/mo on AllMiles travel bookings (3,840 points = ₹1,920 value) + ₹5,000 general retail (1,200 points = ₹600 value) + saves ₹400 on fuel clears the ₹1,00,000 annual spend to waive the ₹1,000 fee, delivering over ₹2,920 in net annual utility value (2.9× ROI).
No complimentary airport lounge access and reward redemption outside the AllMiles portal yields lower value.
✓What works
- +Earn 6 Reward Points per ₹150 spent on flight and hotel bookings via the AllMiles portal (2.0% return).
- +Earn 3 Reward Points per ₹150 spent on all other general retail transactions (1.0% return).
- +Annual fee of ₹1,000 waived on spending ₹1,00,000 in the anniversary year.
- +1 Reward Point = ₹0.50 when redeemed for flights and hotels on the AllMiles booking platform.
- +1% fuel surcharge waiver on all petrol pumps in India on transactions between ₹400 and ₹5,000.
- +Accumulated reward points valid for 2 full years from the date of accrual.
✕What doesn't
- −No complimentary airport lounge access.
- −Annual fee of ₹1,000 + GST.
- −Standard 3.5% + GST forex markup on international transactions.
What it earns
1 Reward Point = ₹0.50 when redeemed for travel bookings on the dedicated HDFC AllMiles portal.
| Category | 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
Earn double rewards on flight tickets and hotel bookings.
| 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
Redeem points directly on the HDFC AllMiles portal for flight bookings, hotel reservations, or shopping vouchers.
| 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)
- +Flight tickets and hotel bookings on AllMiles portal.
- +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
Does HDFC All Miles Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for HDFC All Miles Credit Card?
What is the reward rate and point redemption value on HDFC All Miles Credit Card?
Which transactions are excluded from earning rewards on HDFC All Miles Credit Card?
Who is HDFC All Miles Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: HDFC All Miles Credit Card
The HDFC All Miles Credit Card is a versatile mid-tier aviation and travel credit card designed for domestic travelers seeking direct 1:1 air miles conversion across multiple major airline loyalty programs without being locked into a single airline brand. Issued at an affordable annual fee of ₹1,000 + GST, the renewal fee is completely reversed upon spending ₹1,00,000 in qualifying retail purchases during the card anniversary year.
The card provides flexible air travel rewards: cardholders earn 3 Reward Points per ₹150 spent (1.0% base return) on general retail, accelerating to double points (6 Reward Points per ₹150 spent) on flight bookings via the dedicated AllMiles portal, convertible at 1 Reward Point = 1 Air Mile across domestic airline partner programs, with a 1% fuel surcharge waiver.
Key Privileges and Practical Everyday Benefits
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1:1 Direct Air Miles Conversion: Convert accumulated Reward Points at a 1:1 ratio into air miles across multiple leading domestic airline partner loyalty programs.
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Double Points on AllMiles Travel: Earn 6 Reward Points for every ₹150 spent on flight and hotel reservations routed through the dedicated AllMiles booking portal.
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Predictable Base Accrual: Earn 3 Reward Points for every ₹150 spent across all standard domestic and international retail transactions.
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Achievable ₹1 Lakh Annual Spend Waiver: Reversal of the ₹1,000 renewal fee upon spending ₹1,00,000 in qualifying retail purchases within the anniversary year.
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1% Fuel Surcharge Waiver: Save on fuel transactions between ₹400 and ₹5,000 across all petrol pumps in India (up to ₹250 per billing cycle).
Important Terms and Spend Conditions to Keep in Mind
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No Complimentary Airport Lounges: Does not include complimentary airport lounge access across domestic or international terminals.
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Grandfathered Card Product: Sourcing is largely closed to new applicants; existing cardholders continue to enjoy 1:1 mileage transfer terms.
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Points Optimized for Flight Conversion: Points carry maximum value when converted to airline partner miles; statement cashback conversion yields significantly lower value.
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Excluded Categories: Fuel purchases, rent payments via aggregator platforms, wallet reloads, and government taxes earn zero points.
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Standard 3.5% Forex Fee: Foreign currency transactions attract the standard 3.5% + GST markup fee.
Who Benefits Most
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Multi-Airline Domestic Fliers: Travelers who fly across different airlines (Air India, IndiGo, SpiceJet) and want flexible 1:1 mileage transfer.
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Travel Booking Optimizers: Cardholders routing flight bookings through the AllMiles portal to double their rewards at 6 points per ₹150.
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Budget Conscious Frequent Spenders: Users spending ₹10,000 monthly who easily achieve the ₹1 Lakh annual spend fee waiver.
- HDFC Bank — AllMiles Credit Card features & tariff schedule
- HDFC AllMiles Travel portal redemption terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).