Interestingly, HDFC Bank’s another premium card- HDFC Diners Club Black Metal Edition- provides almost identical benefits as Infinia at a marginally lower annual fee of Rs. 10,000. In addition to the Club Marriott membership, DC Black also provides Amazon Prime and Swiggy One membership as welcome benefit. The card also features a milestone benefit of 10,000 bonus rewards on reaching quarterly milestone of Rs. 4 Lakh. Since DC Black is not an invite-only card, consumers who could not qualify for Infinia can consider applying for this card. The minimum income requirement for DC Black is Rs. 1.75 Lakh per month.
HDFC Bank
HDFC Infinia Credit Card Metal Edition
Travel
Reward Points
1st Year Fee: ₹12,500* Plus Applicable Taxes
Reward Rate
3.33% value-back across all categories
Lounge Access
Unlimited access in India and abroad
Hotel Benefit
Save on your stay at ITC and Marriott Hotels
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About HDFC Infinia Credit Card
Note: This is an invite-only credit card. Content on this page is for information purpose only.
For over a decade, HDFC Infinia has maintained its position as one of India’s top super-premium credit cards. With an excellent reward rate and travel-focused perks, the card has consistently outperformed competitors like Axis Magnus, IDFC FIRST Private, and ICICI Emeralde Private.
With a reward rate of 3.33% (potentially reaching 33% for purchases made on SmartBuy), Infinia outshines not just premium cards but even luxury cards with very high annual fee, such as Axis Reserve and IDFC FIRST Private. Mainly, Infinia’s 1:1 redemption value for travel bookings via SmartBuy and Air Mile conversion gives it an edge over its competitors.
HDFC Infinia Rewards Program
With HDFC Infinia Credit Card, you can earn:
- 5 Reward Points per Rs. 150 spent across all retail categories including insurance, utilities and education
- Up to 10X Rewards on travel and shopping spends made via HDFC Bank’s SmartBuy Platform
- 12500 bonus reward points on joining and renewal fee payment
Reward Redemption1
- 1 RP = Rs. 1 on flights and hotel bookings via SmartBuy
- 1 RP = Rs. 1 on purchasing Apple products and Tanishq Vouchers via SmartBuy
- 1 RP = 1 Air Mile when converting through net banking
HDFC Infinia Credit Card’s rewards program deserves all the applause for three main reasons. One, the earning rate is decent but with a redemption ratio of 1:1 across travel booking, air mile conversion and premium purchases, users can accumulate significant rewards. Two, several leading airlines like Etihad, Air Canda, Air France, British Airways, Air Asia, etc. are a part of HDFC Bank’s Miles Transfer Program. Users can transfer their points in 1:1 ratio, which could give substantial value-back to frequent travellers. Apart from travel, several premium brands like Emporio Armani, Fitbit, Bose, etc. are also a part of HDFC Bank’s rewards catalogue. Three, categories like insurance and utilities that are excluded from most credit card’s rewards program, accrue rewards on HDFC Infinia. Overall, it is one of the best reward rates among premium credit cards.
Other Features and Benefits
In addition to an excellent reward rate, HDFC Infinia offers several other travel and lifestyle benefits for consumers, as mentioned below:
Complimentary Lounge Access
- Unlimited domestic lounge access for primary and add-on cardholders
- Unlimited international lounge access via Priority Pass for primary and add-on cardholders
- Priority Pass membership card also provided for add-on cardholders
Hotel and Dining Benefits with ITC Hotels
- Book stay for 3 nights at participating ITC Hotels and pay for 2 nights only using HDFC Infinia Credit Card
- Get 1+1 complimentary buffet at participating ITC Hotels
Fees and Charges
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 12,500 | ||||||||||||||||||
| Annual Fee | Rs. 12,500 | ||||||||||||||||||
| Finance Charges | 1.99% p.m. (23.88% p.a.) | ||||||||||||||||||
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher | ||||||||||||||||||
| Rewards Redemption Fee | Nil | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Who is likely to get an invite for HDFC Infinia?
Individuals with a very high annual income
People who are already using a premium credit card
People who have a strong credit history with high limits on existing cards
Individuals who have a high relationship value with HDFC Bank and exposure to its multiple products
Similar Cards
HDFC Diners Club Black
Axis Magnus Credit Card
ICICI Emeralde Private Metal Credit Card
Axis Bank Reserve Credit Card
IDFC FIRST Private Credit Card
Paisabazaar Review
What do we like about this card?
Infinia is clearly one of the best premium credit cards in India – offering an excellent reward rate, hotel benefits, unlimited lounge access, low forex mark-up fee, unlimited golf games and many more benefits. Not only does it allow cardholders to earn substantial rewards but it also provides them the opportunity to utilize the accumulated rewards for travel bookings (in 1:1 ratio) across some leading airlines or against premium brand products/vouchers. To sum up, HDFC Infinia continues to set the benchmark for premium credit cards in India, notwithstanding a few niche alternatives like Axis Magnus for Burgundy.
Pros
- 3.33% value-back across all spending categories, including insurance, utilities and education
- Unlimited domestic and international lounge access for primary and add-on users
- Unlimited complimentary golf games at select golf courses of India and abroad
- Stay and dining benefits at participating ITC hotels
- Flat 15% discount on dining via Swiggy Dineout
Cons
- Forex mark-up fee could have been lower as several premium and mid-range cards charge lower fee
- Complimentary Club Marriott membership is limited to the first year
Frequently Asked Questions
Everything you need to know about this credit card
The foreign currency markup fee charged by the bank for HDFC Infinia Credit Card Metal Edition is 2% of the transaction amount.
The credit limit on HDFC Infinia is different for each carholder. It is decided by the bank after considering various factors like credit score, repayment capacity, income and more while deciding your credit limit. You will get to know your credit limit via the welcome kit offered after card issuance.
Along with the credit card kit, you will get the Priority Pass card for the primary as well as the add-on cardholder. You must show this card, along with your Infinia credit card, to avail the complimentary access at Priority Pass lounges.
HDFC offers priority customer service to its Infinia cardholders. The toll-free numbers are 1800 266 3310 / Landline: 022-6171 7606 (For customers travelling overseas). The email ID for customer care is infinia.services@hdfcbank.com.
You can check the status of your credit card through the official website of the bank. You need to click on ‘Credit Card’ under the ‘Products’ tab and then click on the ‘Track your Credit Card Application Status’ option. Enter the application number and your application status will be shown on the screen.
Previously, Infinia was offered in plastic card variant only, at an annual fee of Rs. 10,000. In 2021, HDFC Bank introduced an upgraded metal variant of the Infinia Card with enhanced features, with a higher annual fee of Rs. 12,500. However, now the plastic variant has been phased out and all new customers will get the Infinia metal card.
Since HDFC Infinia is an invite-only card, you can get it only when the bank offers you the same. You can check card upgrade offers on your Regalia Credit Card and if you see Infinia in the list, you can opt for the same. You can also speak to your relationship manager and request for Infinia.
Footnotes
- For details on exclusions, capping, etc. on HDFC Infinia credit card rewards redemption, refer to the link below.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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