HDFC Infinia Credit Card Review: Travel, Reward Points & More

HDFC Infinia Metal Edition Credit Card is categorised under premium credit cards by HDFC. It is specially designed for heavy spenders, with best-in-class features and benefits. Besides an accelerated rewards program, HDFC Infinia comes with golf privileges, unlimited lounge access, and much more. Let’s get to a detailed review of HDFC Infinia Credit Card and see if it is the right pick for you.

Welcome Benefits

• Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stays across Asia – Pacific region.
• Get a welcome Benefit of 10,000 Reward Points upon fee realization.

A Solid Reward Points Program

Infinia Credit Card users can earn 

• 5 reward points on every Rs.150, on all retail spends including insurance, utilities, education, and rent payment
• Up to 10 times Reward Points on your travel and shopping spends on Smartbuy
• 2 times Reward Points on your Dining spends at stand-alone restaurants, capped at 1000 reward points per day

For example, if you spend Rs.30,000 on rent payments, you will get 1000 reward points worth Rs.300. 

So, the default rewards rate become 3.3% which is an excellent number and makes this card stand out. As for dining, the rewards rate becomes 6.6%. For individuals who wish to earn good rewards on every spend, HDFC Infinia is a good option.

Unlimited Lounge Access with HDFC Infinia Credit Card

You can get unlimited access to airport lounges all over the world if you have a Priority Pass membership (both domestic & international). One of the most appealing features of this card is that even the Add On Priority Pass Holders can enjoy unlimited access to lounges. This is especially useful if you’re travelling with your partner or children.

For Lounge visits within India, Infinia Primary Cardholders can avail 4 complimentary lounge access per quarter through the Infinia Visa/Mastercard Card Lounge program.

Premium Benefits of HDFC Infinia Credit Card

Golf privileges: 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.

Dineout Membership: Get complimentary Dineout passport membership for a year that offers

• Assured flat 25% off at 2000+ premium restaurants
• 1+1 on the buffet at 200+ restaurants
• 1+1 on Food / Drinks on select restaurants
• Zero convenience fee
• Early access to events and festivals such as GIRF

Get an additional 15% off on all your bill payments via Dineout Pay (10k + restaurants)

Global Personal Concierge: You can enjoy services like golf booking, itinerary planning, and reservation assistance, private dining assistance, international gift delivery, event planning and referrals, airport VIP access, and much more.

Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transactions of Rs.400 and Rs.1,00,000 across all fuel stations in India. Note – No Reward Points are earned on fuel transactions.

Air Accident Cover: Get Air Accident cover worth Rs.3 crore along with emergency overseas hospitalization up to Rs.50 lakh and credit shield cover of Rs.9 lakh. The insurance cover is applicable for primary credit cardholders only

Joining Fee and Annual Fee

HDFC Infinia comes with a joining fee of Rs.10,000. This fee is compensated with the welcome bonus of 10,000 reward points credited after the payment realisation. 

Besides, the annual fee of Rs.10,000 can be waived off if you spend 8 lakhs or more in the preceding 12 months. This may not be a very helpful feature for those who cannot spend 8 lakhs or more in one year. You can still benefit from 10,000 renewal bonus reward points which are credited only after the membership fee is realized, not applicable when the fee is waived off.

Considering all the features and benefits of this credit card in mind, we can say that the annual fee is justified.

Should you get this credit card?

It should be noted that HDFC Infinia is an invite-only credit card. This means that you can be eligible for this credit card only based on your past credit history amongst other factors, which the bank looks into.

HDFC Infinia is a premium credit card with an array of excellent features. Its joining and the annual fee are definitely on the higher side. But, these numbers are compensated by the premium features like bonus reward points, unlimited lounge access, 3.3% default rewards rate, dine out membership, and more. 

If you are invited to get this credit card, you should definitely go for it. This card would quickly repay you, several times the annual amount paid. However, if you are unable to get Infinia, try Diners Club Black instead. In some ways, after the recent upgrades, it’s now better than Infinia. You can also look into HDFC Regalia Credit Card.

Drawbacks of HDFC Infinia Credit Card

Honestly, this card has all the good features one can expect at this cost. However, there is just one drawback and that is no monthly/annual milestone rewards. HDFC has even introduced spend-based rewards on HDFC Diners Club Black Credit Card. But, Infinia still awaits this feature.

Other Premium Credit Cards You Can Consider

The list below shows the best premium credit cards in India from different banks.

Bottom Line

Being one of the best premium credit cards in the market today, the HDFC Infinia credit card offers some great luxurious benefits that include airport lounge access, golf privileges, and accelerated reward points. The card also comes with a low forex markup fee for primary as well as the add-on cardholder.

So if the annual fee does not bother your pocket, HDFC Infinia is one of the best cards for high spenders and for those who love to travel. Getting approved for this credit card might be a little difficult as it is an invite-only card and HDFC Bank has certain eligible criteria, but, alternatively, you can always opt for HDFC Regalia credit cards that come with premium lifestyle benefits.

Do let us know in the comments below if you liked HDFC Infinia credit card’s review.