Travel
HDFC InterMiles Signature Credit Card
HDFC 7.7
CardTrail Score
Very Good
out of 10
Annual Fee
₹2,500
Spend ₹5L/year
Forex Markup
2%
Reward Rate
1%
Up to 6%
Lounge Access
8
domestic | 4 intl
About This Card
The HDFC InterMiles Signature Credit Card is a travel-focused credit card from HDFC with an annual fee of ₹2,500. It offers a base reward rate of 1.0% with up to 6.0% on select categories. Key perks include 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers.
Pros & Cons
Pros
- Competitive 1.0% reward rate
- Low forex markup at 2.0%
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
Cons
- ₹2,500 annual fee may not suit light spenders
- 2.0% forex markup on international transactions
- Income eligibility: ₹9L+ per annum
Fee Details
Annual Fee
₹2,500
Joining Fee
₹2,500
Fee Waiver Condition
Spend ₹5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
6%
Currency
InterMiles
Welcome Bonus
3,000 InterMiles
Lounge Access
Domestic Lounges
8
per year
International Lounges
4
per year
Key Highlights
- + Annual fee ₹2,500 (waiver: Spend ₹5L/year)
- + Up to 6.0% rewards on accelerated categories
- + 8 complimentary domestic lounge visits/year
- + 4 international lounge visits/year
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Quick Summary
Best For
travel
Annual Fee ₹2,500
Base Reward 1%
Max Reward 6%
Forex Markup 2%
Network Visa Signature
Min Income ₹9L+
CardTrail Score
Best For
travel
