About HDFC Infinia Credit Card
HDFC Infinia has consistently remained one of the most rewarding premium credit cards in India for frequent travellers and high spenders. The card offers a strong reward rate of up to 3.33% on regular spends, which can go significantly higher on purchases made through SmartBuy. Its 1:1 reward redemption value for flights, hotels, and air mile transfers makes it more rewarding than many other premium cards in the market.
When compared to cards like Axis Reserve and IDFC FIRST Private, HDFC Infinia stands out due to its overall value-back and travel-focused benefits. Cardholders can enjoy unlimited domestic and international airport lounge access, low forex markup fee, and hotel and dining privileges with brands like ITC and Marriott.
Since HDFC Infinia is an invite-only card, maintaining a good credit profile and checking your credit score before applying can improve your chances of approval. Read on to know more about HDFC Infinia Credit Card’s features, fees, and benefits.
The HDFC Infinia Credit Card is considered one of the best premium credit cards in India due to its strong overall value across rewards, travel, and lifestyle categories. The card offers an excellent reward rate, unlimited airport lounge access, low forex markup fee, complimentary golf benefits, and premium hotel privileges. Cardholders can also redeem reward points at a 1:1 value for travel bookings and premium brand vouchers, making the rewards highly valuable for frequent travellers and high spenders. Despite competition from premium cards like the Axis Magnus for Burgundy, Infinia continues to remain a benchmark in the premium credit card segment.
HDFC Infinia Credit Card Rewards Program
Rewards Program
With the HDFC Infinia Credit Card, cardholders can earn:
- 5 reward points for every Rs. 150 spent across all retail categories, including insurance, utility and education payments
- Up to 10X reward points on travel and shopping spends made via SmartBuy (maximum 15,000 reward points per month)
- 12,500 bonus reward points on payment of joining and renewal fee
Reward Redemption
- 1 reward point = Rs. 1 on flight and hotel bookings through SmartBuy
- 1 reward point = Rs. 1 on Apple product and Tanishq voucher purchases via SmartBuy
- 1 reward point = 1 air mile on airline transfer through net banking
- 1 reward point = Rs. 0.50 on vouchers and product purchases via SmartBuy
- 1 reward point = Rs. 0.30 on cashback redemption
Airline & Hotel Transfer Partners
1:1 Transfer Ratio
- SpiceClub (SpiceJet)
- AirAsia
- Finnair Plus (Avios)
- Flying Blue
- Hainan Airlines Fortune Wings Club
- IHG One Rewards
- Vietnam Airlines LotusMiles
- Wyndham Rewards
2:1 Transfer Ratio
- Club ITC Green Points
- Aeroplan (Air Canada)
- ALL – Accor Live Limitless
- Avianca LifeMiles
- British Airways Executive Club
- Etihad Guest
- Turkish Airlines Miles&Smiles
- United MileagePlus
Other Features and Benefits
Airport Lounge Access
- Unlimited domestic airport lounge access for both primary and add-on cardholders
- Unlimited international airport lounge access through Priority Pass membership for primary as well as add-on cardholders
- Complimentary Priority Pass membership also offered to add-on members
Hotel & Dining Benefits
- Stay for 3 nights and pay for only 2 nights at participating ITC Hotels
- Complimentary 1+1 buffet offer at participating ITC Hotels
Club Marriott Membership
- Complimentary Club Marriott membership for the first year as a welcome benefit
- Up to 20% discount on dining, hotel stays and spa services at participating Marriott hotels across the Asia Pacific region
- Complimentary room upgrade certificates and up to 30% discount on accommodation bookings
Forex & Golf Benefits
- Low forex mark-up fee of 2% on international transactions
- Unlimited complimentary golf games at participating golf courses in India and overseas
Additional Features
- 24×7 global concierge service for travel bookings, airport services, dining reservations, golf bookings and more
- Flat 15% discount on dining via Swiggy Dineout at participating restaurants
- 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 1 lakh, capped at Rs. 1,000 per month
- Annual fee waiver on spending Rs. 10 lakh in the previous year
Insurance Coverage
- Air accident cover worth Rs. 3 crore
- Emergency overseas hospitalization cover up to Rs. 50 lakh
- Credit shield insurance cover up to Rs. 9 lakh
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 12,500 + Taxes |
| Annual Fee | Rs. 12,500 + Taxes |
| 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 | | For Statement Balance: | | | Up to Rs. 100: | Nil | | Rs. 101 to Rs. 500: | Rs. 100 | | Rs. 501 to Rs. 1,000: | Rs. 500 | | Rs. 1,001 to Rs. 5,000: | Rs. 600 | | Rs. 5,001 to Rs. 10,000: | Rs. 750 | | Rs. 10,001 to Rs. 25,000: | Rs. 900 | | Rs. 25,001 to Rs. 50,000: | Rs. 1,100 | | More than Rs. 50,000: | Rs. 1,300 |
|
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Document Required For HDFC Infinia Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HDFC Infinia Credit Card Highlights
What do we like about this card?
- Unlimited access to 1,000+ airport lounges (via Priority Pass and DreamFolks)
- 10X rewards on SmartBuy (flights, hotels, shopping, and more)
- ComplimentaryClub Marriott membership
- Low forex markup of 2%
- Golf games at top courses in India and abroad
- 24x7 concierge service and emergency card replacement globally
- Metal card design with premium packaging
Things to Know Before you apply
Get this card if:
- High-income individuals (HNIs, CXOs, Business Owners)
- Frequent international travelers
- People who spend ₹5–10L+ annually on travel, lifestyle, and shopping
- Users who can fully utilize lounge, SmartBuy, and golf privileges
Pros
- 3.33% value-back across all spending categories, including insurance, utilities, and education
- Unlimited domestic & international lounge access for both primary and add-on users
- Unlimited complimentary golf games at select golf courses in India and abroad
- Exclusive stay and dining benefits at participating ITC hotels
- Flat 15% discount on dining via Swiggy Dineout
Cons
- Invite-only, not available for most users
- High annual fee (₹12,500) if spend threshold not met
- Requires high credit score and financial profile
- No cashback facility (only reward points)
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
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Frequently Asked Questions
The joining and annual fee is ₹12,500 + GST. The annual fee is waived if you spend ₹10 lakh or more in a year.
Yes. HDFC Infinia is strictly invite-only. You cannot apply directly unless selected by the bank.
HDFC does not publicly disclose salary requirements for Infinia, since it is invite-only. Generally, the card is offered to high-income individuals with an excellent credit score and a strong relationship with HDFC Bank.
The HDFC Infinia Credit Card is a premium lifestyle credit card packed with luxury benefits. The Infinia Metal Edition is a variant with a premium metal finish and some additional perks, but both share most core features.
You can check via:
HDFC Bank Customer Care helpline
Online tracking using your application reference number
There is no fixed limit. The bank decides based on your income, repayment history, and credit profile. Your credit limit is mentioned in the welcome kit after card issuance.
1:1 redemption for air miles, flights/hotels, Apple & Tanishq via SmartBuy
Product vouchers at ₹0.50/point
Cashback at ₹0.30/point
With your Infinia kit, you receive a Priority Pass Card for the primary and add-on holder. Present it with your Infinia card to enjoy complimentary lounge access.
Yes, Infinia offers:
Higher reward rate (3.33% vs. 2%)
Unlimited lounge access (vs. capped for Regalia)
Marriott & ITC hotel benefits
Unlimited golf games
However, it comes with a much higher annual fee and stricter eligibility.
Both are super-premium cards with a 3.33% reward rate, unlimited lounge access, and lifestyle perks.
Infinia: ₹12,500 fee, invite-only, Marriott & ITC benefits
Diners Black: ₹10,000 fee, milestone vouchers (₹1,000/month), easier to qualify
Choose Infinia if you want hotel perks & Priority Pass lounges worldwide, or Diners Black if you want monthly milestone rewards.
