AU Small Finance Bank Zenith Credit Card vs InterMiles HDFC Bank Platinum Credit Card

Joining Fees

₹7,999

₹1,000

Editor's Rating

3.3

3.75

Key Features

* Gain 20 Reward Points per Rs.100 retail spends done on Dining at standalone restaurants
* Earn 10 Reward Points per Rs.100 retail spends done on International transactions, Grocery and Departmental stores
* Avail 5 Reward Points per Rs.100 retail spends done across all other merchant categories
* Quarterly Milestone Benefits: Get Rs. 1,000 vouchers on minimum Rs. 2 lakh retail spends that’s done per calendar quarter. Choose vouchers from a bouquet of top brands
* Yearly Milestone Benefits: Avail complimentary Epicure Membership of doing minimum Rs. 8 lakh retail spends in a card anniversary year
* Enjoy lower International foreign mark-up fees of 1.99% on International transactions
* Birthday Benefit: Get 2,500 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 2 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 4 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

  • Renewal Benefits

A. Continue the exciting journey with 1,500 InterMiles upon spending Rs. 3,000 within first 30 days of Anniversary date

Experience savings on Flight and Hotel bookings:

A. Get Rs. 500  Flight Discount vouchers

B. Get Rs. 1000  Hotel Discount vouchers

Do note that these Renewal benefits are only applicable on realization of membership fee

  • Get 4 InterMiles on every Rs. 150 spent on retail spends
  • Get 8 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com
  • Get 8 InterMiles on every Rs. 150 spent on every Hotel booked via Interbook.intermiles.com
  • Privileges on Etihad Airways

A. Obtain 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com

B. Avail 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com

  • Domestic Lounge Program: Be greeted with luxury each time when traveling, with access to selected lounges at airports in India with the bank’s network partners
  • VISA Lounge Program: Get 8 complimentary visits Per Year (2 per quarter)
  • MasterCard Lounge Program: Get 8 complimentary visits (2 per quarter)
  • 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
  • Zero liability on lost card
  • Revolving Credit is available at an interest rate of 3.6% per month
  • Avail up to 50 days of free credit period from the date of purchase
  • Avail up to 3 Add-on Cards
  • Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount

Editor's Review

Pros
* Get Air Accident Cover of up to Rs. 2 Crore, Card Liability Cover, get protected against Card Counterfeit/Skimming/Online frauds, and Credit Shield of up to Rs. 5 Lakhs
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Cons
* No golf privileges
* No Airmiles

Pros

  • InterMiles as welcome benefit and reward points
  • Domestic lounge access
  • Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount

Cons

  • InterMiles can only be used for travel related bookings on the InterMiles website
  • There are other travel credit cards that offer more redemption options
  • No golf or movie benefits


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