InterMiles HDFC Bank Platinum Credit Card vs Tata Neu Infinity HDFC Bank Credit Card

• 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

• In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
• 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
• 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
• 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
• Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
• Reward points gained on Grocery transactions will be capped to 2,000 per month
• Zero lost card liability
• Foreign Currency Markup: 2% on all your foreign currency spends
• Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
• International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
• International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

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

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: Up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs. 9 lakhs
• Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons

• No golf benefits
• Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app