Hey guys, welcome back to another new article on our card reviews. Here in this article, we are going to discuss the HDFC all miles credit card. This card was launched by India’s one of the most prestigious banks, HDFC, to give their consumer a multipurpose card. If you are interested in knowing more about it or issuing this card now or in the future, you must go through this article. After reading the whole article, you understand all the features, benefits, and disadvantages of this card, which helps you decide that you should go for it.
So, let’s begin the review with the main points of today’s topic.
This card is a value for money credit card from the HDFC bank, which is specially developed to provide premium quality benefits on travel, hotel bookings, online recharge, etc. Moreover, this card provides you with more than enough reward points for your online shopping or transactions.
Now let’s talk about the main highlights and features of this card. You can join the service with Rs. 1000.00. After joining the service, you will get all kinds of features and benefits. If you spend Rs. 15,000.00 within the three months of joining, then your annual renewal fee is also waived off. But if you don’t spend it then don’t worry you have to pay only Rs. 1000.00 as an annual fee which starts from the 2nd year onwards.
This card is also popular for its reward points system. Here you get three reward points when you spend Rs. 150.00 by using this card. When you use this card on hotel booking, shopping, mobile recharge, you will get 2x reward points. You also get 2x reward points when using this card on the All Miles website to purchase some items.
Though it is not a fuel credit card, still it provides you with a waiver on your fuel surcharge. If you use this card on the petrol pump across India, you get a 1% waiver on fuel surcharge. Here you get a free interest period of up to 50 days which is quite impressive. Besides this, here you get some insurance facilities as a cardholder. You get insurance on accidental death, which is covered up to Rs. 50 lakhs. These are the major highlights of this card. Besides this, the company has many features and benefits for their cardholders.
Now you can check the following table for your better understanding.
This is a card where you get more than enough rewards points on your transactions. Here you get 3 reward points when you use this card to spend a minimum of Rs. 150. Besides this, if you use this card on the All Miles website, the reward points will automatically double up. If you spend this on recharge, shopping purposes, or hotel booking, you also get 2x reward points.
And 1000 reward points = Rs. 250Here the value of 1 reward point is equal to Rs. 0.25
Reward Points Redemption Process
The redemption process is very simple. For this, you have to login with your Id on HDFC bank’s website. Then you select the redemption your points section. After that, you have to add the items that you want to purchase. Fill in all the necessary documents and confirm them. This is the simple procedure to redeem your reward points.
Who Should Opt For This Credit Card?
If you like all the card features and facilities, you should apply for this card. The eligibility criteria are very much basic; that’s why anyone can apply for this credit card. If you are a salaried applicant, your age should be in between 21 years to 60 years. But if you are a self -employed, then your maximum age limit is 65 years.
What makes This Card Better from Other Credit Cards?
This obvious question comes to your mind: why should you go for this card instead of the other one. The clear answer is, this is a card where you get more than enough reward points and discount on your travel tickets, recharge, fuel surcharge waiver, etc. But very few cards provide all features at this price point, and this is the area where it beat almost every credit card that is available in the market.
Features And Benefits
The most important segment to choose a profitable credit card is in this paragraph because here, we will do a deep discussion on the features and benefits of this card.
The first thing you have to know before issuing any credit card is its joining and annual fee. Because this price decides whether the other feature and benefits are value for money or not. Here you have to pay only Rs. 1000 and the additional GST charges as per the rule of Govt. of India at the time of joining. This is a card where you mainly get reward points, and all miles travels facilities.
1. Welcome Benefit
If you spend Rs. 15,000 or more than it within the 3 months of joining, then you get first-year fee reversal. It comes under the welcome gift or welcome benefits.
2. Annual Fee Waiver Scheme
If you can spend Rs. 1 lakh or more than in a year, then your annual fee of Rs. 1000 is automatically waived off.
3. All Miles Reward points
When you spend Rs. 150 by using this card, then you earn 3 reward points. You can redeem it by reward catalogs, or you can convert it to air miles.
4. Zero Liability on lost Card
If you mistakenly lose your card, then you need not worry more about it. Because the here only you have to inform the customer service of the HDFC bank, they block your card completely. This is also a great benefit that the bank provides to their cardholders. This is also called zero liability on a lost card.
5. All miles Special Offer
This is basically a great feature that you get after issuing this card. If you use this card on the All miles website, then you get double reward points.
Here the value of 1 reward point is equal to Rs. 0.25 and 1000 reward points = Rs. 250.
6. Interest-Free Credit
Here you get free credit with zero-interest for up to 50 days. This is also a very interesting feature that benefits almost every cardholder. Besides, this feature is not provided by all other credit cards available in the market in this price segment.
7. Fuel Surcharge Waiver
The cardholders get a 1% waiver on the fuel surcharge when using this card on any fuel transaction all over India. Here you get up to Rs. 500.00 off if your spending on fuel transactions is more than Rs. 400 in a month.
8. Insurance on Accidental Death
Here you get a chance to earn insurance on accidental death. Here the total amount is up to Rs. 50 lakhs that you may get after your death in an accident. But here, the terms and conditions are you have to do at least 4 transactions in a month which is Rs. 100 or more to avail this benefit.
9. Insurance Payment Reward Points
If you pay your insurance bill by using this card, then you get reward points on it. Here you can get up to 2000 reward points as Insurance payments reward points. So, in a word, this is very much impressive.
10. Protection From Burglary and Fire
The bank here provides their cardholders protection from burglary and fire. They provide insurance up to Rs. 5000. This will be insured for 6 months. But here the only terms and condition is the insurance work till the cardholders pay 4 transactions in a month.
Fees and Charges
So, let’s talk about the fees and charges regarding this card that you have to pay at the time of joining or later in the future. According to me, this is another important segment that you have to check very carefully before issuing any credit card.
Here the first fee that you have to pay is the joining fee which is Rs. 1000, and the additional GST charges as per the rule of Govt. of India. After that, you need to pay the same amount from the second year onwards as an annual fee.
Now you check the following table from where you come to know about all the fees and charges you have to pay after issuing the card.
Eligibility And Required Documents
The eligibility criteria and the required documents are very basic and almost similar to the other credit cards. Here we give you two tables to discuss all the required criteria and necessary documents that you need to apply for this card. But one point that you should know is that if your credit score is 650 or more than 650, then you will get an extra advantage.
How To Apply For This Credit Card?
The application process is very simple for this particular credit card. If you want to apply for this card, then you have to visit the official website of HDFC Bank of India. Here you find the application area and all the guidelines regarding this. After that, please fill-up the application form with your correct information and finally submit it for further procedure.
Besides this, you can apply for this card offline. If you find any problem applying it online, then you can apply for this card offline. For this, you have to visit the nearest branch of HDFC bank, and here the bank officials will guide you as per your requirements.
Frequently Asked Questions
1. How you track the application form of your HDFC All Miles Credit Card?
You can check this by simply visiting the website of HDFC Bank. Here you find the option of tracking your application form. By simply clicking on this, you find a way of tracking your application form.
2. What is the limit of your All Miles Credit Card?
Here the credit limit is completely set by your bank. It depends upon your salary, credit score, and spending. If your salary and spending limits are good, then you get more credit. On the other hand, if your salary, credit score, etc., is ok or not up to the mark, your credit amount will be less.
3. How to check credit card points on this particular card?
You can also check this from the website of HDFC bank. Here you visit the website’s net banking portal, and you can easily check your reward points anytime, anywhere.
4. How long will the reward points valid?
The reward points that you earn today are still valid till two years of today’s particular date. After that date, the points will automatically invalid.
If you don’t like or afford this card, you have to try these under-mentioned cards, which are almost the same as beneficial and profitable.
So, these are the complete details and review of the HDFC All Miles credit card. If you want to look like this kind of travel and reward credit card, this one is perfectly all right. After reading the whole article, I hope you understood all the advantages and disadvantages of this card, which really helps you decide whether you should go for this one.
Thanks for joining us. Stay tuned with us for getting such interesting card review articles.