HDFC Infinia Credit Card is one of the most popular and highly sought-after premium credit cards in India. It is especially designed for high-income people. It offers various luxury benefits for travel, dining, lifestyle, and amazing rewards. HDFC Infinia credit card holders get unlimited airport lounge access, high reward points, and hotel benefits.
In this article, we will learn more details about the Infinia credit card, benefits, rewards, eligibility, etc.
HDFC Infinia Credit Card Key Features
The major key features of the Infinia Credit card are mentioned below:
- Metallic Card: HDFC Infinia metallic credit card version offers a premium and rich look. It also becomes durable and easily manageable.
- ITC Hotel Access: Credit card holders get a complimentary night and buffet at ITC hotels. The offers are available only at the participating hotels.
- Club Marriott Membership: The card offers Club Marriott membership for the first year. You will need to pay for the membership from the second year.
- Unlimited Airport Lounge Access: HDFC Infinia credit card offers unlimited international and domestic airport lounge access for the cardholder and an add-on member.
- Reward Points: You get 5 reward points for every Rs. 150 expenditure using a credit card.
- 24/7 Concierge Service: You can contact the concierge anytime from anywhere in the world to make your travel booking and other services.
- No Limit on Credit: There is no limit on expenditure. The HDFC Infinia credit card has no spending cap. The spending power depends on your salary and timely repayments.
HDFC Infinia Credit Card Eligibility
Here is the HDFC Infinia credit card eligibility:
- HDFC Bank Infinia Credit card Metal edition is available only by invitation. You cannot apply it directly.
- Only existing HDFC users are eligible to get this card.
- You must have a high credit score and good repayment history.
- The final decision is taken by the bank as per its internal criteria.
Application Process for HDFC Infinia Credit Card
If you want to apply for the Infinia credit card, you need to follow the steps below:
- Go to the HDFC Bank official website.
- Click on the credit card section on the homepage.
- Choose “HDFC Infinia Credit Card”.
- Fill in the required details correctly and submit KYC documents.
- Press the “Submit” option to complete the process.
Documents Required for HFDC Infinia Credit Card
The main documents required to apply for the Infinia credit card are mentioned below:
- Properly filled application form
- PAN card or Form 60.
- Aadhaar card, passport, or a driving license for ID proof.
- Passport and Aadhaar card for address proof.
- Income tax returns, Form 16, or a salary slip for income proof.
- Passport- seized recent photographs.
HDFC Infinia Credit Card Reward and Redemption
The rewards and redemption offered by the Infinia credit card are:
| Category | Details |
| Base Reward Rate | 5 Reward Points per ₹150 spent on all retail categories, including insurance, utilities, and education |
| SmartBuy Bonus Rewards | Up to 10X Reward Points on travel and shopping via HDFC Bank SmartBuy (maximum 15,000 points per month) |
| Welcome & Renewal Bonus | 12,500 Reward Points on payment of the joining and renewal fee |
| Flight & Hotel Bookings | 1 RP = ₹1 on flights and hotels booked through SmartBuy |
| Apple & Tanishq Purchases | 1 RP = ₹1 on Apple products and Tanishq vouchers via SmartBuy |
| Air Miles Conversion | 1 RP = 1 Air Mile (converted through net banking) |
| Vouchers & Products | 1 RP = ₹0.50 for vouchers and product purchases on SmartBuy |
| Cashback Conversion | 1 RP = ₹0.30 when redeemed as cashback |
Benefits of HDFC Infinia Credit Card
HDFC Infinia credit card benefits are as mentioned below:
1. Club Marriott Membership and Dining Benefits
HDFC Infinia credit card benefits include a free Club Marriott membership for the first year. It also offers a 20% discount on dining and stay at participating hotels in the Asia-Pacific region. The card also provides benefits where you can book 3 nights stay at ITC hotels, and pay for only 2 nights. Also, you get a 1+1 complementary buffet at selected ITC hotels.
2. Lounge Access
With the Infinia credit card, you get unlimited access to domestic and international airport lounge access. The add-on member is also covered in it. The unlimited lounge access is available at more than 1000 airports worldwide.
3. Good Food Trail Program
The Infinia credit card holder gets the Good Food Trail Program in partnership with Swiggy Dineout. It offers a flat 10% extra discount on dining bills at participating restaurants in India.
4. Golf Benefits
Infinia credit cards provide amazing golf benefits for professionals and enthusiasts. You get unlimited rounds of golf at reputed golf courses in India and abroad. It also provides unlimited golf coaching sessions in India.
5. Fuel Surcharge Waiver
The card orders 1% fuel surcharge waiver on transactions at any fuel station in India. The benefits apply to transactions of Rs. 400 to Rs. 1,00,000.
6. Welcome and Renewal Benefits
When you get the HDFC Infinia credit card, you get various welcome benefits, such as a Marriott membership with Rs. 12,500 reward points. At the time of renewal, you again get Rs. 12,500 reward points. Also, if you spend more than 10 lakhs in 1 year, the renewal membership fees will be waived off.
7. Insurance Coverage
HDFC Infinia credit card offers insurance coverage during travel and unforeseen conditions. You also get accidental air death cover of up to Rs. 3 crore. The card also covers the emergency overseas hospitalization for up to Rs. 50 lakhs. Also, it provides a cover of Rs. 9 lakhs to pay off any outstanding dues in case of permanent disability or death.
HDFC Infinia Credit Card Fees
The fees applicable to the HDFC Infinia credit card are mentioned below:
| Particulars | Charges / Amount |
| Joining Fee | ₹12,500 + applicable taxes |
| Annual Fee | ₹12,500 + applicable taxes |
| Finance Charges | 1.99% per month (23.88% per annum) |
| Cash Withdrawal Fee | 2.5% of the amount withdrawn or ₹500 (whichever is higher) |
| Rewards Redemption Fee | Nil |
| Late Payment Charges – Statement Balance up to ₹100 | Nil |
| Late Payment Charges – ₹101 to ₹500 | ₹100 |
| Late Payment Charges – ₹501 to ₹1,000 | ₹500 |
| Late Payment Charges – ₹1,001 to ₹5,000 | ₹600 |
| Late Payment Charges – ₹5,001 to ₹10,000 | ₹750 |
| Late Payment Charges – ₹10,001 to ₹25,000 | ₹900 |
| Late Payment Charges – ₹25,001 to ₹50,000 | ₹1,100 |
| Late Payment Charges – Above ₹50,000 | ₹1,300 |
HDFC Infinia Credit Card Interest Rate
During your initial 50 days of purchasing a card, you get an interest-free period if the merchant submits the charges on time. You also get access to revolving credit facilities, and the interest charges are nominal. You can also convert the purchase amount into EMI with flexible tenures and applicable interest rates.
HDFC Infinia Customer Care Details
If you are facing any problem while using or availing the HDFC Infinia credit card, you can contact the customer support.
| Service Type | Contact Number |
| Toll-Free Number | 1800 266 331 |
| Landline (Overseas Calls) | 022-6171 7606 |
| Concierge Service (Toll-Free) | 1800 118 887 |
| Read more: HDFC Regalia Gold Credit Card
Conclusion
The HDFC Infinia credit card is a premium card offered to high-income people. It is best for people looking for luxury services, convenience, and amazing rewards. You get unlimited airport lounge access, Marriott membership, and various complementary services at ITC hotels. Also, it offers golf benefits, a global concierge, and various other perks. You can apply for it through an invitation-only process.
HDFC Infinia Credit Card – FAQs
How to get an HDFC Infinia credit card?
Ans. The invited candidates are only eligible to get the card. Also, you must be an existing HDFC customer and have a high credit score.
What are the annual fees of the HDFC Infinia credit card?
Ans. The annual fees for the Infinia credit card are Rs. 12,500 + taxes. If you spend more than 10 lakhs in a year, your renewal fees will be waived off.
Is there any credit limit applicable to the HDFC Infinia credit card?
Ans. No, there is no credit limit applicable to HDFC Infinia credit cards. Your spending depends on your income and repayment status.
What are the rewards offered by the HDFC Infinia credit card?
Ans. The credit card holders get 5 reward points on every Rs. 150 expenditure. Also, up to 10X points on smartBuy.
What are the Infinia card benefits for travel?
Ans. You get unlimited domestic and international airport lounge access, free nights at ITC hotels, travel insurance, etc.
