YES Prosperity Rewards Credit Card vs InterMiles HDFC Bank Platinum Credit Card

Joining Fees

₹299

₹1,000

Editor's Rating

4.1

3.75

Key Features

  • 4 Reward Points for every Rs. 200 spent on Groceries & Supermarkets 
  • 2 Reward Points for every Rs. 200 on other categories 
  • Exclusive Catalogue of Products
  • Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • 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

  • This credit card is good for those who’re seeking Reward Points
  • Fuel Surcharge Waiver
  • This credit card is good for those who love to shop

 

Cons

  • This credit card isn’t travel-specific card
  • No Golf Privileges
  • Not much discount on movies

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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