HDFC Infinia Credit Card

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HDFC Bank’s Infinia Credit Card is one of the most sought after credit cards in India due to its unmatched value back, lifestyle benefits and customer service. This is a super premium credit card which is an invite-only card. This means, customer cannot apply for this card, instead, HDFC Bank invites its regular customers to apply for this card basis their eligibility, long standing relationship with the HDFC Bank and their spend pattern. The card provides 3.33% value back on almost all spend which gets increase to 16.5% or even 33% on spend categories like flights, hotels and shopping (or giftcards)  on popular e-commerce sites. On top of it, it provides premium lifestyle benefits such as unlimited domestic and international Airport Lounge Access for primary and Add-on card holders, unlimited golf games and lessons at domestic and international locations etc.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining and Renewal Benefits

Joining Benefits

  • 12,500 Reward Points (worth Rs.12,500) as Joining Benefits (only on payment of Joining Fee, not with First Year Free card)
  • Complimentary Club Marriott membership for a year

Renewal Benefit

  • 12,500 Reward Points (worth Rs.12,500) as Joining Benefits (only on payment of Renewal Fee, not if renewal fee is waived off)

Cashback and Rewards

  • Base Rewards: 1 Reward Points on every Rs.150 Spend = 3.33% Valueback
  • Bonus Rewards: Upto 10 times reward points on spend made on travel and shopping on HDFC Bank’s Smartbuy Portal
    • 50 Reward Points on every Rs.150 Spend on hotel booking, Jockey, Pharmeasy and 3GP.com = 33% Valueback
    • 25 Reward Points on every Rs.150 Spend on Flight tickets, Bus Ticket booking visa RedBus, Nykaa, Myntra, MakeMyTrip Holiday Packages, Zoom Card, Instant Vouchers, Apple Products  = 16.66% Valueback
    • 15 Reward Points on every Rs.150 Spend on Train Ticket Booking through IRCTC= 10% Valueback
    • The bonus points through SmartBuy are capped at 15,000 points per month. No Smartbuy capping on base reward points which is 5 points per Rs.150 spend. However, total reward points across all kind of spend through Infinia card are caped at 2,00,000 points per month.

Lifestyle Benefits

  • Airport Lounge Access: Unlimited Domestic and International Airport Lounge Access for primary and upto 3 Add-on cad holder.
    • For free Lounge Access within India, you need to swipe your Infinia Credit Card.
    • For free Lounge Access outside India, you need to swipe your Priority Pass.
    • View details here
  • Golf: Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India. To book, you can call the concierge at 1800 118 887 | 022 42320226. View details here
  • ITC Hotels Privileges
    • Book stay for 3-nights and pay for two at participating ITC hotels.
    • 1+1 complimentary buffet at participating ITC hotels.
    • For more details, click here
  • Dining: Extra 10% off up to Rs.500, per transaction twice in a month on minimum order value of Rs.3,500 on restaurant payments on Swiggy Dineout.  Click here to know more
  • Insurance Benefits
    • Accidental Air Death cover worth Rs. 3 Crore
    • Emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency
    • Credit Shield Cover for upto 9 lakhs
    • Zero Lost card liability : In the unfortunate event of losing your HDFC Bank Infinia Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.
    • Click Here for details.

Global Concierge Service

Global Personal Concierge – 24 X 7: Customize your travel, entertainment, and business experiences with our Global Concierge Assistance

Here are some of the services provided by the concierge. Only facilitation of these services by Concierge is free. However, you need to pay the charges of applicable third party if applicable. 

  • Golf Booking
  • Itinerary planning and reservation assistance
  • Private dining assistance
  • International gift delivery (delivery fee applicable)
  • Event planning and referrals, and much more
  • Toll Free No.: 1800 118 887 Landline No.: 022 42320226
    Email ID: [email protected]​​​​​
    Click here for Concierge T&C

Fuel Surcharge Waiver

Fuel Surcharge waiver of 1% on all fuel transactions between Rs. 400 to Rs. 1,00,000 (Maximum waiver of INR 1000 per statement cycle).

Fuel surcharge varies from 2.5% to 1% of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is applicable.

Forex Mark-up Charges

  • 2.36% Forex mark-up charges including GST on all transactions done in foreign currency.
  • You can activate optional Global Value Program by calling customer care for Foreign Currency Transactions at a fee of Rs.235 per annum including GST. In this program, you get following benefits
    • Joining Benefit: 500 Reward Points on 1st International Transaction after activating the program (only in the 1st year)
    • 1% Real Cashback on International Transactions, upto Rs.1000 per monthly statement cycle (upto Rs.12,000 Cashback per annum). Apart from the above cashback, you also get regular reward points as per the card feature.
    • Rs.2,000 Giftcard on spending Rs.1.5 Lacs in a year. You can choose among Make My Trip or Clear Trip or Yatra or Ease My Trip. This benefit is available every year.

Joining and Renewal Benefits

Joining Benefits

  • 12,500 Reward Points (worth Rs.12,500) as Joining Benefits (only on payment of Joining Fee, not with First Year Free card)
  • Complimentary Club Marriott membership for a year

Renewal Benefit

  • 12,500 Reward Points (worth Rs.12,500) as Joining Benefits (only on payment of Renewal Fee, not if renewal fee is waived off)

Cashback and Rewards

  • Base Rewards: 1 Reward Points on every Rs.150 Spend = 3.33% Valueback
  • Bonus Rewards: Upto 10 times reward points on spend made on travel and shopping on HDFC Bank’s Smartbuy Portal
    • 50 Reward Points on every Rs.150 Spend on hotel booking, Jockey, Pharmeasy and 3GP.com = 33% Valueback
    • 25 Reward Points on every Rs.150 Spend on Flight tickets, Bus Ticket booking visa RedBus, Nykaa, Myntra, MakeMyTrip Holiday Packages, Zoom Card, Instant Vouchers, Apple Products  = 16.66% Valueback
    • 15 Reward Points on every Rs.150 Spend on Train Ticket Booking through IRCTC= 10% Valueback
    • The bonus points through SmartBuy are capped at 15,000 points per month. No Smartbuy capping on base reward points which is 5 points per Rs.150 spend. However, total reward points across all kind of spend through Infinia card are caped at 2,00,000 points per month.

Lifestyle Benefits

  • Airport Lounge Access: Unlimited Domestic and International Airport Lounge Access for primary and upto 3 Add-on cad holder.
    • For free Lounge Access within India, you need to swipe your Infinia Credit Card.
    • For free Lounge Access outside India, you need to swipe your Priority Pass.
    • View details here
  • Golf: Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India. To book, you can call the concierge at 1800 118 887 | 022 42320226. View details here
  • ITC Hotels Privileges
    • Book stay for 3-nights and pay for two at participating ITC hotels.
    • 1+1 complimentary buffet at participating ITC hotels.
    • For more details, click here
  • Dining: Extra 10% off up to Rs.500, per transaction twice in a month on minimum order value of Rs.3,500 on restaurant payments on Swiggy Dineout.  Click here to know more
  • Insurance Benefits
    • Accidental Air Death cover worth Rs. 3 Crore
    • Emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency
    • Credit Shield Cover for upto 9 lakhs
    • Zero Lost card liability : In the unfortunate event of losing your HDFC Bank Infinia Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.
    • Click Here for details.

Global Concierge Service

Global Personal Concierge – 24 X 7: Customize your travel, entertainment, and business experiences with our Global Concierge Assistance

Here are some of the services provided by the concierge. Only facilitation of these services by Concierge is free. However, you need to pay the charges of applicable third party if applicable. 

  • Golf Booking
  • Itinerary planning and reservation assistance
  • Private dining assistance
  • International gift delivery (delivery fee applicable)
  • Event planning and referrals, and much more
  • Toll Free No.: 1800 118 887 Landline No.: 022 42320226
    Email ID: [email protected]​​​​​
    Click here for Concierge T&C

Fuel Surcharge Waiver

Fuel Surcharge waiver of 1% on all fuel transactions between Rs. 400 to Rs. 1,00,000 (Maximum waiver of INR 1000 per statement cycle).

Fuel surcharge varies from 2.5% to 1% of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is applicable.

Forex Mark-up Charges

  • 2.36% Forex mark-up charges including GST on all transactions done in foreign currency.
  • You can activate optional Global Value Program by calling customer care for Foreign Currency Transactions at a fee of Rs.235 per annum including GST. In this program, you get following benefits
    • Joining Benefit: 500 Reward Points on 1st International Transaction after activating the program (only in the 1st year)
    • 1% Real Cashback on International Transactions, upto Rs.1000 per monthly statement cycle (upto Rs.12,000 Cashback per annum). Apart from the above cashback, you also get regular reward points as per the card feature.
    • Rs.2,000 Giftcard on spending Rs.1.5 Lacs in a year. You can choose among Make My Trip or Clear Trip or Yatra or Ease My Trip. This benefit is available every year.

Reward Redemption

Reward Points can be redeemed for:

  • Flight and Hotel Bookings via HDFC Bank’s Smartbuy portal (https://offers.smartbuy.hdfcbank.com) at a value of 1 Reward Point = Rs 1
    • Maximum 70% of the payment can be done using reward points for flight and hotel booking. Rest of the payment needs to be made using Infinia credit card.
    • On HDFC SmartBuy, Goibibo, Yatra, ClearTrip and easeMytrip are available as options to book flight. Hotel booking on HDFC SmartBuy is done through MakeMyTrip and ClearTrip.
    • Redemption of Reward Points for flights & hotel bookings and against airmiles transfer on Smartbuy portal is capped at 1,50,000 Reward Points per calendar month.
  • Buy Apple products and Tanishq vouchers via HDFC Smartbuy at a value of 1 Reward Point = Rs. 1
    • Maximum 70% of the payment can be done using reward points for Apple Products and Tanishq. Rest of the payment needs to be made using Infinia credit card.
    • Redemption of Reward Points to get Apple Products is capped to one product for every calendar quarter
    • Redemption of Reward Points for Tanishq vouchers is capped at 50,000 Reward Points for every calendar quarter
  • Airmiles conversion through netbanking at following rate
    • 1 Reward Point = 0.5 Airmile or Hotel Point for Qatar Airways, Club ITC, Air Canada’s Aeroplan, Accor ALL, Avianca Lifemiles, British Airways Executive Club, Etihad Guest, Turkish Airlines Miles & Smiles, United Mileage Plus
    • 1 Reward Point = 1 Airmile or Hotel Point for Spicejet’s Spice Club, Air Asia Rewards, Finnair Plus, Fir France’s Flying Blue, Hainan Airlines Fortune Wings Club, IHG Hotel’s One Club, Vietnam Airlines Lotusmiles, Wyndham Rewards
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 Reward Point = upto Rs 0.50
  • Cashback at a value of 1 Reward Point = Rs 0.30
    • Redemption of Reward Points against statement balance (cashback redemption) is capped at 50,000 Reward Points per calendar month.

For detailed terms & conditions, click here

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 14750
Renewal fee
(INR including GST)
₹ 14750
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 1000000

Pros

Aspects that make this credit card amazing.

  • Very high reward rate which goes upto 33%
  • Relatively easy redemption options
  • One of the best lifestyle benefits such as airport lounge program, golf program, dining discount on ITC Hotels, DineOut etc.
  • High class customer service, a dedicated customer care number which directly picks-up your call without long IVR navigation. However, it has been experienced that during working hours on weekdays, the call to Customer Care Centre is redirected to Relationship Manager. So, try calling after 6 PM on Monday to Friday or anytime on Saturday and Sunday.

Cons

Aspects this credit card lacks.

  • No discounts on movie tickets purchase. Although, one can buy PVR-Inox or BookMyShow gift cards from the SmartBuy portal and can get 5x Reward Points.
  • They levy a convenience fee of 4.13% (including GST) or Amazon Shopping Voucher and Amazon Pay Gift Card, and 2.95% (including GST) on Flipkart Giftcard purchases from the SmartBuy portal. This appears high real cash outflow and an extra cost to earn accelerated reward points on these popular shopping portals.

Spend Categories with No Cashback / Rewards

No reward points on following

  • Fuel
  • e-wallet load
  • HDFC Bank’s EasyEMI
  • Rental pay transactions
  • Property management services like rent, maintenance, packers &movers, etc
  • Government transactions
  • Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points
  • On Insurance transaction, a maximum cap of 5,000 reward points per day. It means, no reward points on insurance premium payment beyond first Rs.1.5 Lacs in a day.
  • Maximum 2,000 Reward Points per month on Grocery. it means, maximum spend upto Rs.60,000 on grocery per month will be eligible for reward points.
  • Maximum 2,000 Reward Points per month on utility bills. it means, maximum spend upto Rs.60,000 on utility bills per month will be eligible for reward points.
  • Maximum 2,000 Reward Points per month on telecom related transactions. it means, maximum spend upto Rs.60,000 on telecom per month will be eligible for reward points.
  • Reward Points expire after 3 years from the date of accumulation

Add-on Cards

Get upto 3 Complimentary Add-on credit cards for parents, spouse, bother, sister, son, daughter. Add-on card member must be 18 years old or above.

Eligibility Criteria

HDFC Bank has not specified any eligibility criteria for this credit card as it’s an “Invite Only” credit card. Basis long standing relationship with HDFC Bank, income level of the customer and spend of an existing HDFC credit card in previous year generally decides whether you are eligible for this or not. Basis the past approval pattern, the eligibility criteria appears as given below. If an individual is fulfilling any one of the below mentioned criteria, he/she can approach HDFC Bank’s relationship manager, branch or customer care and share his desire to get Infinia Credit Card.

  • More than Rs.10 Lacs Credit Limit in an existing HDFC Bank Credit Card and more than Rs.8 Lacs Spend in last 1 year at-least.
  • Net Monthly in-hand salary of Rs.5 Lacs for salaried customer (Net Monthly in-hand salary of Rs.3 Lacs or more can also try.)
  • ITR of Rs.60 Lacs

Please note that the above in an indicative criteria. Customers may get Infinia Credit Card even if they are not fulfilling the above criteria or may not get even after fulfilling the above criteria basis bank’s discretion.

Upcoming Changes

N/A

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(4.6/5)

SpendWisely’s Rating for this Credit Card

(4.6/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(5)
Lifestyle Benefits
(4)
Ease of Reward Redemption
(4)
Value for Money
(5)
Customer Service
(5)

HDFC Bank’s Infinia Credit Card is the best credit card one can have in India, specially if you travel or enjoy lifestyle benefits. It offers very high reward rates such as 16.66% on benefits like flight tickets, bus tickets, giftcards and various e-commerce sites. On widely used spend categories like hotels, innerwear (Jockey only)  and medicines (through Pharmacy), it offers unbelievably high reward rate of 33.33%. On top of it, this card comes with one of the best airport lounge programs available in the market. You can simply use your Priority Pass at any domestic and international locations without any upper limit. You also get same Priority Pass benefit for each of your add-on card members.

The options Global Value Program (1% cashback on Forex Transactions) along with low foreign mark-up fee (2.26% including GST) combined with 3.33% reward rate, makes it the best credit card for international transactions as well.

Overall, it’s the best lifestyle credit card available in the market today.

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(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 23600
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
4%
Accelerated Reward Rate
10%
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 23600
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
4%
Accelerated Reward Rate
10%
Full Details
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 14160
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
3%
Accelerated Reward Rate
36%
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 14160
Renewal fee
(INR including GST)
₹ 23600
Base Reward Rate
3%
Accelerated Reward Rate
36%
Full Details
(4.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 14749
Renewal fee
(INR including GST)
₹ 14749
Base Reward Rate
3%
Accelerated Reward Rate
36%
(4.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 14749
Renewal fee
(INR including GST)
₹ 14749
Base Reward Rate
3%
Accelerated Reward Rate
36%
Full Details
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
Full Details
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
Full Details
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
(4.4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 11800
Renewal fee
(INR including GST)
₹ 11800
Base Reward Rate
3.33%
Accelerated Reward Rate
33.33%
Full Details

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

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