InterMiles has been running consecutive bonus-points promotions on its co-branded credit cards over the past few months. Lately these offers appear to be overlapping across partner banks — HDFC, ICICI and IndusInd — as InterMiles has resumed issuing co-branded cards with all partners.
Below is a clear summary of the current InterMiles offer, how to activate it, and what kind of value you can expect.
Table of Contents
- Offer Details
- Activating the offer
- How much you can save?
- Final Thoughts
Offer Details
| Slabs | Spend Amount | Bonus Points % | Max. Cap |
| Slab 1 | >= 35,000 INR | 50% | 3,500 |
| Slab 2 | >= 70,000 INR | 75% | 6,000 |
| Slab 3 | >= 1,00,000 INR | 100% | 10,000 |
The current offer runs from September 1 to September 30, and InterMiles may extend or renew it in the following month.
Fulfilment: Bonus InterMiles earned under this promotion will be credited to your InterMiles account within 90 working days from the end of the offer period. Base InterMiles will be credited within 45 working days of generation of the relevant credit card bill.
Activating the offer
- ICICI Credit Cards: SMS “Offer ICICI 1” or “Offer ICICI 2” or “Offer ICICI 3” to 56677. Send the relevant code before you start transacting to make those transactions eligible.
- HDFC Credit Cards: SMS “Offer HDFC 1” or “Offer HDFC 2” or “Offer HDFC 3” to 56677. Send the relevant code before you start transacting to make those transactions eligible.
- IndusInd Credit Cards: SMS “Offer IND 1” or “Offer IND 2” or “Offer IND 3” to 56677. Send the relevant code before you start transacting to make those transactions eligible.
A confirmation SMS is sent after successful registration. Only transactions made after sending the registration SMS will qualify for the bonus points, so make sure to activate the code before spending.
How much you can save?
- Estimated 2.8% effective return on spend with the ICICI InterMiles Sapphiro (Visa) card under this promotion.
Most InterMiles cards offer modest base rewards, but these limited-time bonus-point promotions can significantly boost returns for premium cardholders. The exact benefit you get depends on the card variant you hold — Amex variants typically deliver slightly higher returns than Visa variants.
For example, on an ICICI InterMiles Sapphiro Visa card, I calculated an approximate 2.8% return on a 250,000 INR spend during this offer. That figure assumes redemption values I have recently achieved for hotel redemptions, which ranged around 35–37 paise per InterMile.
Your personal return will vary based on which card you have, the cap applicable in your chosen slab, and the redemption value you achieve when converting InterMiles to flights or hotels. Review the offer terms and card-specific details to estimate your likely benefit accurately.
Final Thoughts
InterMiles co-branded cards are not always my first recommendation because of generally low everyday earn rates, but targeted bonus-point promotions like this can deliver meaningful value if you can meet the spend requirements and redeem efficiently.
InterMiles has been making incremental improvements to its services and redemption options; hopefully those enhancements will continue and broaden the ways to get higher value from points.
Note: Offline Etihad redemptions via InterMiles are currently unavailable, so hotels and flights remain the most practical redemption routes for unused InterMiles at present.