InterMiles HDFC Bank Platinum Credit Card vs AU Bank LIT Credit Card

Joining Fees

₹1,000

₹0

Editor's Rating

3.75

2.75

Key Features

  • 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
  • Gain 10X or 5X reward points on all online domestic and international retail transactions
  • Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
  • Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
  • Avail 1 Reward Point per Rs. 100 on other spends including insurance
  • Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
  • Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000
  • Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
    a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
    b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
    c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
    d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
  • Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
  • Maximum cashback of Rs. 1,000 per category over a period of 30 days
  • Avail up to 4 complimentary domestic lounge visits per 90 days
  • Avail 3 months membership of ZEE5 
  • Avail 3 months membership of Amazon Prime
  • Avail 3 months membership of Cult pass Live subscription for home live workouts
  • Zero lost-card liability 
  • Credit Shield can be availed up to Rs. 1.5 lakhs

Editor's Review

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

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure


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