HDFC Bank has brought out a premium credit card for travellers called the HDFC All Miles Credit Card. The card offers a host of benefits that brings ease to the frequent traveller.
| Go to: |
HDFC All Miles Credit Card – Features
The features that come with HDFC All Miles Credit Card are:
- Users earn 3 Reward Points for every Rs. 150 spent
- Customers get 6 reward points for every Rs. 150 spent at ALLMILES website
- Cardholders can avail 1% fuel surcharge waiver on a minimum transaction of Rs. 400. The maximum cash back that can be earned is Rs. 500 per statement cycle
- Customers can rest easy with 0 liability on a reported lost credit card
- Users can get up to 50 days of interest free period on their transactions
- Reward point come with a validity period of 2 years from the date of accumulation
HDFC All Miles Credit Card – Benefits
The benefits associated with HDFC All Miles Credit Card are:
- Reward points can be accrued on insurance transactions. However, a maximum of 2000 points can be earned per transaction
- Users get the following insurance cover on using the credit card for 4 transactions in a month:
- Accidental Death Insurance up to Rs. 50 lakh
- Fire and Burglary protection for goods over Rs. 5000. This protection is valid for 180 days
- Annual Fee Waiver
- First year membership fee can be waived off if user spends over Rs. 15,000 in the first 90 days of card issuance
- Annual fee can be waived if user spends over 1.00 lakh in a year
HDFC All Miles Credit Card – Fees & Charges
The fees and charges applicable on this credit card are:
| Category | Amount |
| Annual Fee | Rs. 1000 |
| Cash Advance Limit | 40% of Credit Limit |
| Minimum Repayment Amount | 5% of outstanding amount/Min. Rs. 200 |
| Charges on Revolving Credit | 3.49% per month/41.88% p.a. |
| Cash Advance Charges | 2.5% of the amount/Min. Rs. 500 |
| Over Limit Charges | 2.5% of over limit amount/Min. Rs. 500 |
| Payment Return Charges | 2% of payment amount/Min. Rs. 450 |
| Balance Transfer Processing Fee | 1% of amount/Min. Rs. 250 |
| Smart EMI Charges | Processing Fee
1% of amount/Min. Rs. 150 Loan Pre-Closure Charges 3% of Balance Principal Outstanding |
| Foreign Currency Mark-up Fee | 3.5% of amount transacted |
| Late Payment Charges | Nil for amount below Rs. 100
Rs. 100 for amount between Rs. 100 – Rs. 500 Rs. 500 for amount between Rs. 501 – Rs. 5000 Rs. 600 for amount between Rs. 5001 – Rs. 10,000 Rs. 800 for amount between Rs. 10,001 – Rs. 25,000 Rs. 950 for amount over Rs. 25,000 |
HDFC All Miles Credit Card – Eligibility Criteria and Documents Required
The Eligibility Criteria for HDFC All Miles Credit Card are:
- For Salaried Employees
- Minimum Age – 21 years
- Maximum Age – 60 years
- For Self Employed
- Minimum Age – 21 years
- Maximum Age – 65 years
Documents required
Applicant must submit the application form along with the following KYC documents:
| Identity Proof |
Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc. (any 1) |
| Residence Proof | Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc. (any 1) |
| Income Proof | Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc. (any 1) |
HDFC All Miles Credit Card – How to Apply
Customers can apply for HDFC All Miles Credit Card through Paisabazaar.com. The steps are:
- Go to the credit card application page on Paisabazaar.com. Click here for the same
- Fill the basic form
- Post submission the user will be shown all the eligible cards. Filter out HDFC Bank Credit Cards
- Click on Check Eligibility in front of HDFC All Miles Credit Card
- Provide all the necessary information required
Finally, a Paisabazaar’s agent will call the customer and fix a date and time for document collection. The bank will then verify the documents. On successful verification the bank will dispatch the credit card. The entire process takes about 15 to 20 days.
HDFC All Miles Credit Card – FAQs
How can a customer track their HDFC All Miles Credit Card application status?
Applicants can track their HDFC Bank All Miles Credit Card application status by visiting HDFC Bank’s website. Step by step instructions are provided on this link.
Who can apply for this credit card?
Applicants must be Indian Citizens in order to successfully apply for this credit card. They should have a steady income source. Moreover, salaried employees should be between the ages of 21 to 60 years. Self Employed people should be between the ages of 21 to 65 years.
What is the annual fee charged on this credit card?
The annual fee on HDFC All Miles Credit Card is Rs. 1000.