HDFC All Miles Credit Card Review

HDFC All Miles Credit Card is one of the premium credit

cards which is issued only to the preferred customers or
the Imperia HDFC customers. The All Miles credit card can
be beneficial to you if you are a premium frequent
traveler. HDFC All Miles credit cardholders using the
reward points earned while spending on the card can book
airline tickets, make hotel reservations, download music
and recharge mobiles and DTH.
The HDFC All Miles credit card is offered at free of cost
for a lifetime to the preferred and Imperia customers, but
for classic and other customers, the HDFC is offering a
loan of Rs 40000 at the rate of interest 1.1 % per month
on this card.

Features of HDFC All Miles Credit Card:

1.Rewards Structure :
You will be awarded 3 reward points for every Rs 150 you
spend on the card. You can also get 2x reward points for
hotel and flight bookings, mobile and DTH recharge, and
shopping.

2.Fuel:
If your minimum transaction on fuel is Rs 400 you can
receive a maximum cashback of Rs 500 per statement cycle
when 1% fuel surcharge waived off on fuel transactions.
3.Safety and Security:
Your transactions on All Miles credit cards are highly
secured and protected against unauthorized access with the
EMV chip card technology and PIN. Customers have zero
liability on the loss of the card after it is reported to
the bank.

4.Credit Structure:
Customers can avail up to 50 interest-free days from the
date of issue of the card. Customers can also get
revolving Credit at a very nominal interest rate per
annum.

5.Customers can avail of complimentary Priority Pass

Membership and VISA or MasterCard Lounge program
assistance.

6. Customers can enjoy VIP lounge access at various

airports in India or abroad.

Fees and charges

Joining Fees in the first year– Rs 1000 which will be
ignored if a customer spends Rs 15,000 within 90 days.
Annually – Rs 100 from the second year onwards which will
be ignored if a customer spends ₹ 1,00,000 in a year.
Interest rate – 3.49% per month (41.88% per annum)

Insurance Coverage
With the HDFC Bank All Miles Credit Card, cardholders can
get 2 types of insurance coverages:
1. Accidental death insurance.
2. Purchase insurance for fire and burglary.
Accidental Death Insurance
If you have a minimum of 4 transactions on your credit
card worth Rs.100 or more in a calendar month, you can get
up to Rs. 50 lakh accidental death insurance coverage.

Purchase Insurance for Fire and Burglary

If you have purchases made of Rs. 25,000 or more on the
credit card, you will receive complimentary insurance
coverage for 180 days from the date of purchase. The
coverage amount is Rs.25,000 per item for personal
portable equipment and up to Rs. 2 lakh for other assets.

Eligibility Criteria
A salaried individual belonging to the age group of 21 to
60 years of age
or a self-employed individual belonging to the age group
of 21 to 65 years of age can apply for HDFC All Miles
credit card.
Documents Required

The documents required to apply for the HDFC All Miles

credit card are:
· Form 16
· Pan Card
· Payslip
· IT Return
· Residential proof (any one of the following):
o Passport
o Ration Card
o Electricity bill
o Landline telephone bill
· Identity proof (any one of the following):
o Passport
o Driving license
o PAN card
o Aadhaar card

How to Apply for the HDFC Bank All Miles Credit Card

You can apply for HDFC All Miles credit card on the bank's
website online.
1. Look out for HDFC All Miles Credit Card under the
credit cards section at www.hdfcbank.com, the official
website of HDFC Bank.
2. A form will be displayed. Fill in the basic details
such as name, phone number, average income, occupation,
etc.
3. Select All Miles Credit card and check for your
eligibility.
4. If eligible, continue with the application by providing
personal information details.
5. Provide residential proof and income proof.
6. Submit your application after double-checking all the
details.
7. Once the details are verified and the credit card
request is granted, an executive from HDFC Bank will get
in touch with you for further formalities.

Benefits of HDFC Bank All Miles Credit Card

You can avail 3 reward points for every Rs. 150 you
spend on the HDFC All Miles Credit Card.
Joining Fees in the first year which is Rs 1000 which
will be ignored if a customer spends Rs 15,000 within
90 days.
Annual fees are Rs 100 from the second year onwards
which will be ignored if a customer spends ₹ 1,00,000
in a year.
You get 1,000 reward points as Welcome benefit when
the card is issued.
Fuel surcharge can be ignored if capped at Rs. 500 in
the statement cycle.
You can avail 2X Reward Points on all your spendings
in the MyNEXA section by logging into
 www.nexaexperience.com

How to clear HDFC All Miles Credit card bill?

Cardholders can pay their credit card dues regardless of
whether they have an HDFC Bank account or not. Credit card
dues can be paid by customers online as well as offline.
Customers who have an account in HDFC Bank can pay their
HDFC Bank All Miles credit card dues through:
· Net Banking
· Auto-Debit Service
· Debit Cards
· Axis Bank Mobile App
· SMS
· Visa Money Transfer
Customers who have does not have a savings or current
account in HDFC Bank can pay their HDFC All Miles credit
card bills through Net Banking, NEFT, ECS, etc. All
customers regardless of whether they hold an account in
HDFC Bank have the choice to clear the credit card dues
through cash depositing, cheque or demand draft in the
favor of their credit card number.