if you had been on the lookout for a credit card that offers airline benefits, HDFC All Miles credit card is the one for you. this credit card offers discounts on fuel, zero liability on losing your credit card and more.
read this article further to know the benefits, eligibility criteria, the fees and charges and more.
All Miles rewards
3 reward points on every ₹150 spent by you. rewards points can be accumulated to redeem for air miles
All Miles club
double your reward points when you spend on All Miles website
1% fuel surcharge waived off on minimum transaction of ₹400. maximum cashback of ₹500 can be earned per statement cycle
zero liability on transactions made after you lose your card, provided you report it within 24 hours of losing your credit card
50 interest-free days from the date of purchase of credit card
high reward points validity
your credit card rewards are valid for 2 years from the time you start accumulating them
your transactions are secured with chip cards which provide protection against duplication or counterfeit
your credit card has a revolving credit feature that allows paying a lower amount than the total amount due with nominal interest rates
no annual fee
first-year annual fee can be waived off by spending ₹15,000 within the first 90 days of card setup
how do i apply for HDFC All Miles credit card?
follow these steps given to know how to apply for HDFC All Miles credit card:
how to check if i’m eligible?
the eligibility criteria for HDFC All Miles credit card is different for self-employed and salaried individuals:
what documents do i require?
types of charges
first-year annual fee can be waived off by spending ₹15,000 within the first 90 days of card setup.
second-year fee can be waived off by spending ₹1,00,000 in a year.
late payment charges
no charges will be levied if the total amount due is less than ₹100
card replacement charges
2.5% of the over limit amount with a minimum charge of ₹500
fees charged for redeeming reward points
₹99 per redemption request
returned payment fee
2% of the payment amount with a minimum charge of ₹450
balance transfer charges
1% of the balance transfer amount with a minimum charge of ₹250
cash advance fees
2.5% of the cash advance amount with a minimum charge of ₹500
foreign currency transaction charge
mark-up of 3.5%
minimum repayment amount
5% or ₹250 is the minimum repayment amount
cash processing fee
you can make your credit card payment by doing any of the following:
revolving credit is a facility where you can choose to pay an amount that is lower than the total amount due on the monthly billing statement. this will attract charges to the outstanding amount and the new transactions until the old dues aren’t paid.
the charges keep changing according to your payback and utilisation pattern but the maximum interest rate is 3.5% per month and 42% annually.
you can earn rewards points in the multiples of ₹150 for carrying out transactions.
if you find the content of your statement to be incorrect, you should contact the HDFC Bank within 30 days of the statement date in which the particular transaction appears.
after you submit your CDF form, the HDFC Bank will intimate the merchant of the billing dispute. the merchant will then provide all the necessary documents as evidence for the disputed transactions. if you still aren’t convinced by the documents provided by the merchant, then you should fill out the progressive dispute form.
as per the guidelines of Visa/Mastercard, you have to fill out a CDF providing details regarding credit card dispute. HDFC Bank will then investigate the disputed transaction with the merchant.
yes, HDFC Bank sends reminders of the outstanding amount remaining on your credit card through SMS, post, fax, telephone, email, and engages a third party to follow up and collect the outstanding dues.
you should contact the HDFC Bank through the 24-hour customer care immediately to block your primary credit card. the add-on card is rendered invalid if the primary card is reported as lost.