HDFC Bank All Miles Credit Card

Features and Benefits of the HDFC Bank AllMiles Credit Card

Rewards

1. All eligible retail transactions get you 3 Reward Points per Rs.150 that you spend.
2. Transactions made on the AllMiles website gives your double Reward Points. So, you can earn miles faster.
3. Earn Reward Points on your insurance transactions.

First-year Fee and Annual Fee Waiver

1. Spend Rs.15,000 within 90 days from your card set up and enjoy a waiver on the Rs.1,000 fee.
2. Spend Rs.1 lakh in a year and enjoy a waiver on the annual fee (Rs.1,000) for the subsequent year.

Insurance Coverage

With the HDFC Bank AllMiles Credit Card, you get to enjoy insurance coverage of two types. They are:

1. Accidental death insurance.
2. Purchase protection for fire and burglary insurance.

Accidental Death Insurance

Make a minimum of 4 transactions worth Rs.100 or more in a calendar month using your AllMiles Card and get:

1. Up to Rs.50 lakh accidental death insurance coverage.

Purchase Protection for Fire and Burglary Insurance

For purchases of Rs.25,000 and higher, you receive complimentary insurance coverage for a period of 180 days from the date of purchase. The coverage amount is:

1. Rs.25,000 per item for personal portable equipment.
2. Up to Rs.2 lakh for other assets.

Fuel Surcharge Waiver

1. Enjoy fuel surcharge waiver of 1% on fuel transactions with a minimum transaction amount of Rs.400. The maximum cashback you can earn per billing cycle is Rs.500.

Zero Lost Card Liability

1. In case your card is missing or has been stolen, contact the HDFC bank credit card customer care immediately to block your card. Once you contact the customer service centre, you will not be held liable for any HDFC unauthorised and fraudulent transactions made using your card or card details.

HDFC Bank AllMiles Credit Card Credit Limit

The credit limit on your card will be intimated to you by the bank.

It is important to note, however, that multiple factors go into determining the credit limit that is extended to you. These include your employment status, income, current debt obligations, your credit repayment history, and your CIBIL score. As such, the credit limit for the same card can be different for different people.

Reward Point Benefits

As mentioned earlier, with this card you get:

1. 3 Reward Points per Rs.150 spent.
2. Double Reward Points on purchases made on AllMiles' website.

Do note that transactions that are reversed, fuel transactions, and those converted to instalments will not earn any Reward Points.

How to Redeem Points Earned on your HDFC Bank AllMiles Credit Card

There are two ways you can redeem your Reward Points.

Method 1

1. Convert your points to air miles and have it credited to your frequent flyer account.
2. You can then use the miles in your frequent flyer account to get a free ticket to the destination of your choice.

Method 2

Redeem your points for vouchers or products from HDFC's rewards catalogue. Here's how you can go about doing this:

1. Log into your HDFC credit card NetBanking account.
2. Register your card if you haven't already.
3. If you have already registered your card, select 'Redeem Reward Points'.
4. Once you choose your card, you will be redirected to the Online Redemption Portal.
5. Once again, select 'Redeem Reward Points'.
6. Browse through the available items and add the ones that you want to your shopping cart.
7. Go to the shopping cart to verify your order. Make sure that details like your address, email ID, and phone number are correct. This is extremely important since the product will be sent to the address provided. Moreover, if you have selected an electronic voucher, the details will be sent to your email ID.
   1. If your details are incorrect, please call the customer service centre and get the details changed before proceeding.
8. If all the details are correct, select 'Redeem' to confirm your request.
9. A Redemption Order Number will be generated. You can note this down and use it for any queries you may have regarding your redemption request.

Based on these details, an HDFC representative may call you or you may receive an SMS from the bank regarding your application.

How to Apply for the HDFC Bank AllMiles Credit Card Online

You can apply for this card on the bank's website.

Here are the steps that you need to follow:

1. Navigate to the webpage for the AllMiles Credit Card.
2. Select 'Apply Now'.
3. Fill in the application form.
4. Enter the code and submit your form.

Fees and Charges of HDFC Bank AllMiles Credit Card

Eligibility of HDFC Bank AllMiles Credit Card

The eligibility criteria for the HDFC Bank AllMiles Credit Card are:

Salaried Persons

1. Minimum age: 21 years
2. Maximum age: 60 years

Self-employed Individuals

1. Minimum age: 21 years
2. Maximum age: 65 years.

In addition to this, the bank may have other eligibility criteria as well. You can speak to a representative of the bank for more information regarding your eligibility for this card.

Documents Required

The documents required will be intimated to you by the bank when the bank goes through your application form to see if you are eligible for the card or not. While they may request you to provide multiple documents, here's an indicative list of documents you may require:

1. Identity-related documents: PAN card, Passport, Aadhaar card, driving licence, etc.
2. Address-related documents: Aadhaar card, Passport, ration card, utility bills, etc.
3. Income-related documents: Latest salary slips, latest income tax returns, the latest Form 16, etc.

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