The verdict
A solid mid-tier travel rewards card for domestic flyers and InterMiles members. Earning 8 InterMiles on flight tickets alongside quarterly domestic lounge access makes clearing the ₹1 Lakh spend waiver effortless.
Spending ₹10,000/mo on retail (3,200 miles = ₹1,600 value) + ₹3,000/mo on InterMiles flights (1,920 miles = ₹960 value) + 3,000 welcome miles (₹1,500) + 4 domestic airport lounges (₹5,600) clears the ₹1L spend to waive the ₹1,000 fee, delivering over ₹9,660 in net annual travel value (9.6× ROI).
InterMiles redemption value depends on airline partner seat availability and hotel inventory.
✓What works
- +Earn 8 InterMiles for every ₹150 spent on flights and hotels booked on InterMiles.com.
- +Earn 4 InterMiles for every ₹150 spent on all other eligible domestic retail transactions.
- +4 complimentary domestic airport lounge visits per year (1 visit per calendar quarter).
- +3,000 Bonus InterMiles welcome gift upon card activation and meeting initial spend terms.
- +Annual renewal fee of ₹1,000 waived on spending ₹1,00,000 in the anniversary year.
- +1% fuel surcharge waiver on all petrol pumps across India on transactions between ₹400 and ₹4,000.
✕What doesn't
- −No complimentary international airport lounge access.
- −Annual renewal fee of ₹1,000 + GST.
- −Standard 3.5% + GST forex markup on international transactions.
What it earns
1 InterMile = ~₹0.50 when redeemed for partner flight tickets on InterMiles.com.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Flights & Hotels on InterMiles.com | 8 InterMiles / ₹150 | Uncapped | 5,333 InterMiles |
| All Other Domestic Retail Spends | 4 InterMiles / ₹150 | Uncapped | 2,666 InterMiles |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
8 InterMiles / ₹150 on Flights + 4 Airport Lounges
Earn airline frequent flyer miles on flights and everyday purchases.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| InterMiles Portal BookingsOn flights & hotels. | 8 / ₹150 · 5.33% | Uncapped | — |
| Airport LoungesAcross Indian airports. | 4 / year · 1 / quarter | 1 / qtr | — |
| Fee WaiverWaived at ₹1,00,000 spend. | 100% · ₹1,000 Waived | 1 / year | — |
Redemption options
Redeem InterMiles directly on InterMiles.com for domestic/international flights, hotel stays, or fuel.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| InterMiles.com Flight BookingsBEST VALUE | 1 InterMile = ~₹0.50 | 500 miles | None | Nil |
| Hotel Reservations & Stays | 1 InterMile = ~₹0.35 | 500 miles | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Flight tickets and hotel bookings on InterMiles.com, retail shopping, dining.
- +4 domestic airport lounge visits.
- +Bonus welcome InterMiles.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹4,000).
- −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 Lakh 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 | ₹35,000+ monthly net salary |
| Self-Employed Income | ITR above ₹4.5 Lakhs per annum |
Frequently Asked Questions
Does HDFC Intermiles Platinum Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for HDFC Intermiles Platinum Credit Card?
What is the reward rate and point redemption value on HDFC Intermiles Platinum Credit Card?
Which transactions are excluded from earning rewards on HDFC Intermiles Platinum Credit Card?
Who is HDFC Intermiles Platinum Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: HDFC Intermiles Platinum Credit Card
The HDFC Intermiles Platinum Credit Card is the entry-tier co-branded aviation card in the InterMiles portfolio, tailored for early-career professionals and budget-conscious frequent flyers seeking structured airline mileage accumulation at an accessible annual fee. Issued at ₹1,000 + GST, the renewal fee is completely reversed upon spending ₹1,00,000 in qualifying retail purchases during the anniversary year.
The card provides foundational aviation value: cardholders earn 8 InterMiles per ₹150 spent on flight and hotel bookings via the InterMiles portal, 4 InterMiles per ₹150 spent on general retail spending, 3,000 welcome and renewal bonus InterMiles, and 4 complimentary domestic airport lounge visits annually (1 visit per calendar quarter).
Key Privileges and Practical Everyday Benefits
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8 InterMiles / ₹150 on InterMiles Portal: Earn 8 InterMiles for every ₹150 spent on flight and hotel reservations via intermiles.com.
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4 InterMiles / ₹150 Base Accrual: Earn 4 InterMiles per ₹150 spent on all general domestic and international retail transactions.
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4 Complimentary Domestic Airport Lounges: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year) across major Indian airports.
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3,000 Bonus Miles on Joining & Renewal: Receive 3,000 bonus InterMiles upon payment of joining and annual renewal fees.
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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.
Important Terms and Spend Conditions to Keep in Mind
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Domestic Lounges Only: Does not include complimentary international airport lounge access across overseas terminals.
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Quarterly Domestic Lounge Gate: Domestic lounge access is subject to HDFC Bank’s quarterly spend thresholds.
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InterMiles Ecosystem Utility: Optimal value is realized by redeeming accumulated miles for flights and hotels on the InterMiles platform.
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Excluded Categories: Fuel purchases, rent payments via aggregator platforms, wallet reloads, and government taxes earn zero InterMiles.
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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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Early-Career Frequent Flyers: Young professionals who want an affordable travel card earning air miles on routine flights and shopping.
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Domestic Weekend Flyers: Travelers taking 2 to 4 flights annually who appreciate quarterly complimentary domestic lounge access.
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Everyday Spenders on a Budget: Users spending ₹10,000 monthly who easily achieve the ₹1 Lakh annual spend fee waiver.
- HDFC Bank — InterMiles Platinum Credit Card schedule of charges
- InterMiles Airline & Hotel reward redemption guidelines
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).