At a Glance
- Joining Fee: Rs. 1,000. Waived off on spending Rs. 15,000 within first 90 days of card activation.
- Intro Benefits: Rs. 0
- Annual Fee: Rs. 1,000. Waived off on spending Rs. 1 Lac within previous card membership year.
- Get 0.60% cash on all spend on HDFC Bank AllMiles Online Portal.
Highlights
- 2X Reward Points: You earn 6 Reward Points worth Rs. 0.90 for every Rs. 150 spent on HDFC Bank AllMiles Portal on using the card for flights and hotel bookings, mobile recharges and DTH recharges etc.
- Personal Insurance & Purchase Protection Cover: The primary cardholder get a personal accidental death cover of equals to five times of your existing credit card limit or a maximum of Rs. 50 Lacs against only rail and road accidents anywhere along with purchase protection cover of upto Rs. 2 Lacs against fire and burglary for any item of above Rs. 5,000 purchased on the card, subject to maximum of 180 days from the date of purchase. You can avail these benefits by simply doing minimum 4 transactions of Rs. 100 or above in a calendar month. The purchase protection cover includes the protection cover of upto Rs. 25,000 for personal portable equipments and cover of upto Rs. 2 Lacs for other assets. The eligible transactions are considered to be 4 Non-ATM Withdrawals/Ecommerce in the previous month from the date of incident.
Features
- Rewards on Retail Purchase: HDFC AllMiles Card comes with the benefit of 3 Reward Points on every Rs. 150 spent on retail transactions including transactions against insurance policies. However, the maximum reward points you can earn against transactions for insurance policies, are limited to 2000 points per transaction. Apart from it, you earn 6 Reward Points for every Rs. 150 spent on HDFC Bank AllMiles Portal on using the card for flights and hotel bookings, mobile recharges and DTH recharges etc. However, the reward points accumulated against an eligible transaction on the card will get reverted if the transaction is later converted into SmartEMI. You can redeem these points against Air Miles, gift items from Rewards Catalogue as well as Cash. On redemption against Cash, you get Rs. 0.15 for each reward point. The reward points you earn on your AllMiles card will be valid for 2 years from the date of accumulation into your card account.
- Fuel Surcharge Waiver: You earn 1% fuel surcharge waiver on your HDFC AllMiles Card whenever you swipe the card for fuel transactions of between Rs. 400 to Rs. 5,000 at any Petrol Pump in India. Fuel transactions will include purchasing petrol/diesel and other fuel products. However, this benefit is only applicable if you swipe your card on HDFC EDCs. The maximum benefit you can get under Fuel Surcharge waiver is limited to maximum Rs. 500 in a statement month.
- Lost Card Liability: HDFC AllMiles Card comes with zero lost card liability benefits. Hence, being a HDFC AllMiles card holder you are entitled to lost card liability cover post reporting the loss of the card. After reporting the loss of the card, HDFC will be taking care of any fraud or unauthorized transaction made on the card. Simply call HDFC Credit Card services at their toll-free number 1800-258-3838 from your registered mobile number and report the loss of the card.
Staff Review
- Reward Points: 2X Reward Points and Reward Points on Regular Transactions
- Intro Bonus: Joining Fee Waiver
- Annual Bonus: Annual Fee Waiver
Benefits
- Annual Fee Waiver – You get the benefit of joining as well as annual fee (2nd and ongoing card membership years) waiver from your on HDFC AllMiles Card. However, the joining fee waiver is applicable only if you spend Rs. 15,000 within first 90 days of card activation and the annual fee waiver is only applicable if you spend Rs. 1 Lac or above in a card membership year. On doing so, you’ll be entitled for the annual fee waiver for the next card membership.
Drawbacks
- High Foreign Currency Mark-up – The foreign currency mark-up fee applicable on HDFC AllMiles card is equal to standard fee applicable on all international transaction, which is 3.5% of the transaction value in Indian Rupees. This charge for Foreign Currency mark-up will also be applicable if the merchant is located in India but registered within any other country than India. Apart from it, you’ll be charge additional foreign currency mark-up as applicable by the card network if an international transaction if made in any other currency than US Dollars.
- No Reward Points on Fuel Transactions – Apart from the fuel surcharge waiver which is limited to Rs. 500 a month, you don’t earn any other benefit such as Reward Points.
- No Lounge Access Benefit – Coming up with an annual fee of Rs. 1000, HDFC AllMiles card doesn’t give you any lounge related benefit.
Eligibility Criteria
- Minimum age of a Salaried applicant should be between 21 years to 60 years.
- Minimum age of a Self-Employed Applicant should be between 21 years to 65 years.
- Minimum age of a Add-on Cardholder should be at least 18 years.
Fees & Penalties
| Type of Charges | Applicable Amount |
| Annual Fee | Rs. 1,000 |
| Joining Fee | Rs. 1,000 |
| Add-on Card Fee | Zero |
| Typical APR | 3.49% per month |
| Cash Withdrawal Limit | Max 40% of credit limit |
| Cash Withdrawal | 2.5% of the cash amount or Min Rs. 500. |
| Late Payment | Zero to Rs. 750 |
| Over-Limit | 2.5% of the overlimit amount or Min Rs. 500. |
| EMI Bounce | 2% of the payment amount or min Rs. 500 per instance |
| Foreign Currency Transaction | 3.5% on the rupee value after conversion |
| Fuel Surcharge | 1% of the fuel transaction, subject to minimum Rs. 10 |
| Cash Deposit | Rs. 100 at HDFC Branches and ATMs |
| Min Amount Due (MAD) | 5% of the outstanding amount or min Rs. 200. |
| Card Replacement | Rs. 100 |
FAQs
How long will the accumulated reward points be valid on my HDFC AllMiles Card?
The reward points earned on hdfc allmiles card are valid for 2 years from the date of accumulation into the card account.
How do I contact HDFC AllMiles support?
Simply dial 1860-425-1188 for All Miles Customer Support from your registered phone number or email them at support@hdfcbankallmiles.com.