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. 2.5 Lakh per month.
HDFC Bank
HDFC Infinia Credit Card Metal Edition
Travel
Lounge Access
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 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.
Infinia also stands strong on the travel front with unlimited domestic and international lounge access, low forex mark-up fee and benefits with ITC and Marriott. Most premium cards offer comparable travel benefits. However, considering the overall value that one can get through the rewards program, Infinia could be a better choice. Read on to know about HDFC Infinia credit card in detail.
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
- 1 RP = Rs. 0.50 for vouchers and product purchase on SmartBuy
- 1 RP = Rs. 0.30 on cashback conversion
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 |
|
HDFC Infinia vs. Axis Magnus vs. ICICI Emeralde Private
| Transactions | Amount (in Rs.) | HDFC Infinia | Axis Magnus | ICICI Emeralde Private |
|---|---|---|---|---|
| Travel Bookings | 35,000 | 1,166 | 2,100 | 1,050 |
| Apparel and Accessories | 20,000 | 666 | 1,200 | 600 |
| Groceries | 15,000 | 500 | 900 | 450 |
| Health and Wellness | 5,000 | 166 | 300 | 150 |
| Dining and Entertainment | 10,000 | 333 | 600 | 300 |
| Utility Bill Payment | 15,000 | 500 | 0 | 450 |
| Fuel Spends | 15,000 | 0 | 0 | 0 |
| Total | Rs. 1,15,000 | 3,331 RP | 5,100 RP | 3,000 RP |
| REDEMPTION VALUE | ||||
| Travel Booking | – | Rs. 3,331 for travel booking | – | – |
| Point-to-mile Conversion | – | 3,331 Air Miles with select airlines and hotels | 2,040 Partner Points/Miles | – |
| Rewards Catalogue | – | Rs. 3,331 for buying Tanishq vouchers/Apple products via SmartBuyRs. 1,665 on voucher and product purchase via SmartBuy | Rs. 1,020 on redeeming through Axis Bank’s rewards catalogue | Rs. 3,000 on redeeming via ICICI Bank’s rewards catalogue which includes premium travel and lifestyle brands |
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
Rupanshi Thapa
Rupanshi a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
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10 Comments
What is the maximum number of points I can earn in a month through Smartbuy on my HDFC Infinia Credit Card?
On HDFC Infinia Credit Card, there is no specific capping on earning reward points through Smartbuy. However, there is a monthly capping of 2 Lakh points on reward earning across all categories.
I have HDFC Diners Club Black Credit Card. Can I upgrade it to Infinia?
Since Infinia is an invite-only card, you cannot apply for it but you can speak with your Relationship Manager and request an upgrade. However, you should note that the benefits on HDFC Infinia and HDFC Diners Club Black are quite similar. They feature the same reward rate and redemption options are also the same. Moreover, DC Black also offers multiple complimentary memberships and monthly milestone benefit, making it a worthy alternative to Infinia.
What is the value of Infinia reward points if I use it for booking Singapore airline ticket?
Currently, Singapore Airlines is not included in HDFC Infinia’s Miles Transfer Partner List. However, you can directly book a flight through HDFC Bank’s SmartBuy Portal and redeem your points in 1:1 ratio to pay for maximum 70% of the cost of your ticket. You will also earn 5-times more reward points for this booking.
Are there any movie benefits on Infinia?
HDFC Infinia does not offer direct discount or any other offer on movies. However, you can redeem your points against BookMyShow vouchers (if available on the SmartBuy portal).
Thank you very much for sharing such elaborarte study on credit cards. Kindly share finer details of golf bookings for HDFC Infinia
To avail complimentary golf games benefit through your HDFC Infinia Credit Card, you can call HDFC Bank’s 24-hour concierge at 1800 118 887 or 022 42320226. For domestic golf courses, you must make a booking 4 days in advance (not including the day of placing the request and the day of the game) and for international golf courses, bookings must be made 15 days in advance. You can find all other terms and conditions related to HDFC Infinia Credit Card’s Golf Program on this link- https://shorturl.at/MDvJU
To check the list of participating golf courses, click here- https://shorturl.at/X6gKT