HDFC AIIMiles Credit Card
HDFC Bank
last updated: Oct 24, 2025
₹999
₹999
2%
4 visits/yr
Contents
A travel-focused reward card that gives accelerated miles on travel-related spends and everyday categories. It combines a competitive earn rate with useful travel features and conversion options to airline partners. Ideal for frequent domestic and international flyers looking to convert points into air miles.
Features of HDFC AIIMiles Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers for checkout EMIs
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based insights for spend patterns
Rewards Structure of HDFC AIIMiles Credit Card
Milestones of HDFC AIIMiles Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹2,00,000 : Complimentary flight voucher or partner reward
Fees & Charges of HDFC AIIMiles Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Fee waived on ₹1,00,000 annual spend.
Fee Explanation Standard bank rates apply for overdue amounts and cash advances.
Lounge Access Benefits with HDFC AIIMiles Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Valid for primary cardholder; list of lounges subject to change.
Insurance Coverage with HDFC AIIMiles Credit Card
travel insurance
₹10,00,000Valid on international trips when ticket booked on card (subject to terms).
purchase protection
₹50,000Within 90 days of purchase; T&Cs apply.
Additional Features of HDFC AIIMiles Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 add-on cards available
Subject to bank approval.
Welcome Bonus with HDFC AIIMiles Credit Card
Welcome Bonus: 1,000 reward points
Bonus Conditions: Credited after fee realisation; subject to HDFC terms.
Application Process for HDFC AIIMiles Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for HDFC AIIMiles Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC AIIMiles Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC AIIMiles Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of HDFC AIIMiles Credit Card
- Strong reward structure on travel and dining
- Useful partner conversions to airline miles
- Attractive welcome points for new cardholders
Cons of HDFC AIIMiles Credit Card
- Annual fee may not be ideal for very low spenders
- Some benefits depend on partner enrollment and conversions
Frequently Asked Questions about HDFC AIIMiles Credit Card
Is there a joining fee?
Yes. A joining fee of ₹999 applies; renewal fee is also ₹999 unless waiver criteria are met.
What is the welcome bonus?
You receive 1,000 welcome reward points credited after fee realisation, subject to HDFC terms.
How do I convert reward points to air miles?
Reward points can be converted through HDFC’s partner portal; minimum transfer thresholds apply and conversion rates depend on the partner.
What is the foreign currency markup fee?
Foreign currency transactions typically carry a markup of around 2% (check latest T&Cs before travel).
How many lounge visits are included?
The card includes a limited number of domestic lounge visits per year for the primary cardholder. Exact list and count are subject to change.
What documents are required to apply?
Valid PAN, Aadhaar, address proof, and income proof (salary slip or Form 16) are required as applicable.
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