HDFC Bank
HDFC Bank All Miles Credit Card
Travel-focused entry Visa with high rewards on airline spend
₹1,000/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Frequent flyer
- Travel spender
- Entry-premium Visa user
-
What we like
- 3x rewards on airline spend (savings on every mile)
- Lower joining fee than Regalia tier
- Domestic lounge access
-
Watch out for
- ₹1,000 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
Annual fee
₹1,000/yr
Reward rate
3x
Min. income
₹4,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹4 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹500 voucher on ₹75,000 annual spend; ₹1,000 voucher on ₹1,50,000 spend.
HDFC Bank All Miles Credit Card review: travel-focused entry Visa with high reward points on airline spend, savings on every mile, and milestone vouchers for travellers.
Who is this for
- Frequent flyer
- Travel spender
- Entry-premium Visa user
What we like
- 3x rewards on airline spend (savings on every mile)
- Lower joining fee than Regalia tier
- Domestic lounge access
Watch out for
- ₹1,000 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹1.5 lakh/year required to waive annual fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comHDFC Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,000 | Not waivable |
| Annual fee | ₹1,000 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,000 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| AIRLINES | 3 Reward Points per ₹150 on airline spend; 2 Reward Points per ₹150 on retail; 1 Reward Point per ₹150 on utility & i… | Not explicitly stated | Redeemable via HDFC rewards portal; air miles conversion to partner airlines |
| TRAVEL | 3.00 | — | 1 point ≈ ₹0.50–₹1.00 |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 2.00 | — | 0.50 |
Benefits
-
3x Rewards on Airlines Highlight
3 Reward Points per ₹150 on airline spend — savings on every mile.
-
Milestone Vouchers
₹500 voucher on ₹75,000 annual spend; ₹1,000 voucher on ₹1,50,000 spend.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
-
Domestic Lounge Access
1 complimentary domestic lounge visit per quarter.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹4,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
HDFC Bank All Miles Credit Card is a travel-focused entry-premium Visa. It targets frequent flyers with high rewards on airline spend and milestone vouchers.
Fees and rewards
- Joining fee: ₹1,000 (non-waiver)
- Annual fee: ₹1,000, waived on annual spends ≥ ₹1,50,000
- Rewards: 3 Reward Points per ₹150 on airline spend; 2 Reward Points per ₹150 on retail
- Forex markup: 3.50%
Travel benefits
- 3x rewards on airline spend
- ₹500 milestone voucher on ₹75,000 spend; ₹1,000 on ₹1,50,000
- 1% fuel surcharge waiver
- 1 domestic lounge visit per quarter
Eligibility
Minimum annual income ₹4,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HDFC Bank All Miles Credit Card apply walkthrough →
Apply for HDFC Bank All Miles Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank All Miles Credit Card worth it?
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Does the HDFC Bank All Miles Credit Card offer airport lounge access?
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