HDFC Bank Infinia Credit Card is a hallmark of luxury and exclusivity, designed for high-net-worth individuals seeking unmatched benefits and rewards. As an invite-only offering, the card stands out for its premium privileges, including round-the-clock concierge services, access to elite golf courses, and fine dining experiences at some of the most prestigious restaurants across the country.
What makes Infinia particularly appealing is its exceptional reward structure. The HDFC Bank Infinia Cardholders earn 5 reward points for every ₹150 spent, with points redeemable for flights offering a remarkable 3.3% return. Additionally, through the HDFC SmartBuy platform, users can enjoy a reward rate of up to 16% on gift vouchers and flight bookings, making it one of the most rewarding cards in the market.
For international travelers, the HDFC Bank Infinia Credit Card offers a Priority Pass membership for complimentary lounge access at airports worldwide, along with a competitive foreign currency markup fee of just 2%. The newly introduced Infinia Metal Edition elevates the card’s appeal with a sleek metal design while retaining all the existing features. Despite its annual fee of ₹12,500, the value and privileges make it an excellent choice for those who prioritize premium experiences and a lavish lifestyle.
Infinia is often compared with other premium credit cards, but it continues to outshine competitors with its robust rewards, global acceptance, and enduring popularity, solidifying its position as a benchmark in the Indian credit card market.
Table of Contents
Overview
| Type | Premium Metal Credit Card |
| Reward Rate | 3.3% – 33% |
| Joining Fee | ₹12,500+GST (Total-₹14750) |
| Best Suited For | Shopping, Travel & Lounge access |
The HDFC Bank Infinia Credit Card combines luxury and value with features like an attractive reward rate, unlimited airport lounge access, low foreign transaction fees, and accelerated points on select purchases, providing exceptional returns of up to 33% in key categories.
Fees & Charges
| Joining Fee | ₹12,500+GST (Total-₹14,750) |
| Renewal Fee | ₹12,500+GST (Total-₹14,750) |
| Renewal Fee Waiver | Annual Spend ₹10,00,000 |
| Foreign Currency Markup Fee | 2%+GST (Around~2.36%) |
| Fuel Surcharge | 1% Fuel Surcharge Waiver (Up to ₹1,000 Each Statement Cycle) |
- The annual fee will be charged at the start of your card’s anniversary period.
Benefits
Welcome Benefits
- Upon joining, you’ll receive 12,500 Bonus Reward Points as a welcome benefit after paying the membership fee.
- As a welcome gift, HDFC Bank Infinia offers a complimentary one-year Club Membership to its primary account holders. This exclusive membership offers up to 20% savings on restaurant bills for groups of up to 10 guests, as well as 20% discounts on the best available rates at participating hotels in India and on weekend rates across the Asia-Pacific region. Valid for a full year, it enhances the value and appeal of the cardholder’s experience.
Golf Benefits
- Complimentary Games/Lessons: Unlimited
- Only 1 booking can be held at a time
- Min. / Max. Advance Booking Period: 4 Days / 14 Days
- Coverage: 20 domestic / 140 international Golf Courses
The HDFC Bank Infinia Credit Card includes impressive golf privileges, granting cardholders access to a wide range of top-tier golf courses in India and a notable selection of international courses, making it ideal for golf enthusiasts.
Other Benefits
- 1+1 complimentary buffet at participating ITC hotels.
- Book stay for 3-nights and pay for two at participating ITC hotels.
- Fuel surcharge waiver of upto ₹1,000 on transactions ranging from ₹400 to ₹1,00,000.
Rewards
| SPEND TYPE | REWARDS | REWARD RATE | MAX. CAP |
|---|---|---|---|
| Retail Spends | 1X 5 RP / 150 INR | 3.3% | 2L RP / Stmt Cycle |
| Flights / eVouchers (Via Smartbuy) | 5X 25 RP / 150 INR | 16.5% | 15,000 RP / Shared (Max:₹ 1.14L spend) |
| Hotels (Via Smartbuy) | 10X 50 RP / 150 INR | 33% | 15,000 RP / Shared (Max:₹ 50K spend) |
- Reward Points Validity: 3 Years
- Capping on Smartbuy is on 9X/4X bonus points.
- RP Capping on Insurance: 5000 RP / day
- RP Capping on Grocery: 2000 RP / Calendar month
- No Reward Points on EMI, Tax, Fuel, Rent & Wallet transactions.
SmartBuy offers the opportunity to earn up to 3X, 5X, or 10X rewards on a diverse range of categories, in addition to well-known purchases like flights, hotels, and e-vouchers, as mentioned HDFC SmartBuy.
HDFC Bank Infinia Card Eligibility
The HDFC Bank Infinia Card is available by invitation only, meaning there are no set eligibility criteria. However, there are some basic requirements you must meet in order to be considered for an invitation to apply for this exclusive card.
- Your age should be above 21 years and below 65 years.
- You should have a high annual income, preferably ₹45 lakh or more.
- To be considered for the Infinia Card, you should maintain an excellent credit history and have an established relationship with HDFC Bank.
- To be considered for the exclusive Infinia Credit Card, you must already have an HDFC Credit Card with a high credit limit or show spending of over ₹10 lakh in the last six months.
Airport Lounge Access
| ACCESS TYPE | VIA | LIMIT |
| Domestic Lounge Access | VISA | Unlimited |
| International Lounge Access | Priority Pass | Unlimited |
The HDFC Infinia Credit Card provides airport lounge access for both the primary cardholder and all add-on cardholders, enhancing the travel experience for everyone on the account.
Additionally, the Priority Pass benefit on the HDFC Bank Infinia is one of the rare cards in India that offers complimentary access to domestic lounges. This proves especially useful when other cards are not accepted at certain lounges, such as the Mumbai Arrival Lounge or the new Priority Pass Lounge in Chennai.
How to Apply
If you’re applying for a new card and meet the eligibility criteria through your ITR, you can apply online. Alternatively, you can visit the branch and apply with assistance from the Relationship Manager or Branch Manager.
