HDFC Superia Card vs InterMiles HDFC Bank Platinum Credit Card

• Convert reward points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc. and save up to Rs. 8000 a year. Redeem points for miles with over twenty international airlines through KrisFlyer, Singapore Airline's frequent flyer programme  
• Enjoy gaining 50% more reward points at premium restaurants        
• Gain Three reward points for every Rs. 150 spent and exchange them for miles (at 0.7 miles for every point) or gifts from an exclusive reward catalogue. These Reward points are valid for two years.
• Complimentary Priority Pass Membership.
• On fuel transactions, you'll avail 1% Fuel Surcharge waiver ( Minimum transaction of Rs. 400, Maximum Cashback of Rs. 500 per statement cycle)
• Stay protected against unauthorised use while shopping with the EMV Chip Card technology
• Zero liability on the lost card after reporting the loss
• Get up to 50 interest-free days from date of purchase (subject to the submission of charge by the merchant). Enjoy Revolving Credit at a nominal interest rate
• First year's membership free if you spend Rs. 15,000 within the first 90 days
• Renew the membership for free by spending Rs. 75,000 in a year

• 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

Pros

• Complimentary Priority Pass Membership.
• Avail zero liability on the lost card after reporting the loss
• Get first year's membership for free by spending Rs. 15,000 within the first 90 days

Cons

• High-interest rate
• No golf privileges

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