Save like a pro with every flight you take
If you had been on the lookout for a credit card that offers airline benefits, HDFC AllMiles 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.
HDFC AllMiles credit card: Features and Benefits
|AllMiles Rewards||3 reward points on every INR 150 spent by you. Rewards points can be accumulated to redeem for air miles|
|AllMiles Club||Double your reward points when you spend on AllMiles website|
|Fuel Benefits||1% fuel surcharge waived off on minimum transaction of INR 400. Maximum cashback of INR 500 can be earned per statement cycle|
|Zero Liability||Zero liability on transactions made after you lose your card, provided you report it within 24 hours of losing your credit card|
|Interest-Free Credit||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|
|Secure Transactions||Your transactions are secured with chip cards which provide protection against duplication or counterfeit|
|Revolving Credit||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 INR 15,000 within the first 90 days of card setup|
Second-year fee can be waived off by spending INR 1,00,000 in a year
How Do I Apply for HDFC AllMiles credit card?
Follow these steps given to know how to apply for HDFC AllMiles credit card:
- Go to hdfcbank.com and click on Products > Cards > credit card. Next, click on ‘View All Cards’.
- In the category of ‘Premium Travel credit card’, click on ‘AllMiles’.
- Click on the ‘Apply Online’ under the ‘Contact Us’ section to apply for the credit card.
- A credit card application form will load where you will have to fill in your personal details.
- After entering your details, you will know if you are eligible for an AllMiles HDFC credit card.
- HDFC Bank will then verify your details and accordingly approve or reject your credit card application.
- You can also track your credit card application online or contact the HDFC customer care for more queries.
How to Check If I’m Eligible?
The eligibility criteria for HDFC AllMiles credit card is different for self-employed and salaried individuals:
- Salaried individuals should be between the age of 21 to 60 years
- Self-employed individuals should be between the age of 21 to 65 years
What Documents Do I Require?
- One identity proof (Aadhaar Card, PAN Card, Driving License, Voting Card)
- Address proof (includes documents like Passport, Electricity bill, Gas bill)
- Income proof which includes latest ITR documents and Form 16
- Passport-size coloured photographs
HDFC AllMiles credit card: Fees and Charges
|Types of Charges||Amount|
|Annual Fee||First-year annual fee can be waived off by spending INR 15,000 within the first 90 days of card setup.|
|Renewal Charges||Second-year fee can be waived off by spending INR 1,00,000 in a year.|
|Late Payment Charges||No charges will be levied if the total amount due is less than INR 100|
INR 100 will be charged if the total amount due is between INR 100- 500
INR 400 will be charged if the total amount due is between INR 501 – 5,000
INR 500 will be charged if the total amount due is between INR 5,001 – 10,000
INR 750 will be charged if the total amount due is more than INR 10,000
|Card Replacement Charges||INR 100|
|Overlimit Charges||2.5% of the over limit amount with a minimum charge of INR 500|
|Fees Charged for Redeeming Reward Points||INR 99 per redemption request|
|Returned Payment Fee||2% of the payment amount with a minimum charge of INR 450|
|Balance Transfer Charges||1% of the balance transfer amount with a minimum charge of INR 250|
|Cash Advance Fees||2.5% of the cash advance amount with a minimum charge of INR 500|
|Foreign Currency Transaction Charge||Mark-up of 3.5%|
|Minimum Repayment Amount||5% or INR 250 is the minimum repayment amount|
|Cash Processing Fee||INR 100|
Frequently Asked Questions (FAQs)
What is revolving credit?
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.
What are the charges levied for revolving credit?
The charges keep changing according to your payback and utilisation pattern but the maximum interest rate is 3.5% per month and 42% annually.
How can I earn reward points for transactions?
You can earn rewards points in the multiples of INR 150 for carrying out transactions.
What should I do if I have a billing dispute?
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.
When do I have to fill out the progressive dispute form?
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.
Why do I have to fill out a Card Dispute Form (CDF) for reporting a billing dispute?
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.
Does HDFC Bank remind their customers of the outstanding amount?
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.
What should I do if I lose my HDFC credit card due to theft/loss/misuse?
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.