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HDFC Infinia Credit Card

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HDFC Bank

HDFC Infinia Credit Card

Travel

Premium

Rewards

4.0/5.0

Paisabazaar Review

1^st 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

Updated on December 19, 2025 8:10 am

Author: Rupanshi Thapa

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About The Card Rewards Program Other Features & Benefits Fees & Charges Things to Know Card Review FAQs

About HDFC Infinia Metal Edition Credit Card

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.

Note: This is an invite-only credit card. Content on this page is for information purpose only.

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 (Max. 15,000 points per month)
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

For details regarding exclusions and capping, click here.

Image of HDFC-Infinia_1

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.

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Infinia Credit Card 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

Suggested Read: International lounge access credit cards

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

HDFC Infinia 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

HDFC Infinia vs. HDFC Diners Club Black

Interestingly, HDFC Bank’s another premium card- HDFC Diners Club Black Metal Edition– provides almost identical benefits as Infinia at a relatively lower annual fee of Rs. 10,000. HDFC Infinia and Diners Club Black have the same reward rate offering up to 3.33% value-back and allowing 1:1 redemption across flights, hotels and air mile conversion. However, Infinia also allows 1:1 redemption against Tanishq vouchers or Apple Products– which is not available on Diners Club Black. Moreover, Infinia offers unlimited golf games,

However, there are a few areas where Diners Club Black is better than Infinia. In addition to the Club Marriott membership, Diners Club 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 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 via SmartBuy	–	Rs. 3,000 for flight/hotel booking via iShop
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 against vouchers via ICICI Bank’s rewards catalogue Rs. 1,800 on redeeming against vouchers via ICICI Bank’s iShop

Also Check: HDFC Infinia vs Axis Magnus vs HDFC Diners Club Black

Things to Know Before you apply

HDFC Infinia Credit Card Eligibility Criteria

Invite-only; offered to select high-income individuals

Long-standing relationship with HDFC Bank

Already using premium credit cards from other banks

Excellent credit history with high credit limit on existing cards

HDFC Infinia Customer Care

Toll Free: 1800 266 331

Landline: 022-6171 7606 (when calling from overseas)

Concierge Service: 1800 118 887 (Toll Free)

Paisabazaar Review

Overall Rating

4.0_/5

Travel3.5_/5

Rewards4.0_/5

Lounge Access4.0_/5

Lifestyle Benefits3.5_/5

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

Is HDFC Infinia invite only?

Yes, HDFC Infinia is an invite-only card. You cannot apply directly for it.

What is the Minimum Salary for HDFC Infinia Credit Card?

HDFC Bank has not explicitly mentioned the minimum salary for HDFC Infinia, as this is an invite only card. Typically, consumers with high income, excellent credit score and a long standing banking relationship with HDFC Bank are more likely to be eligible for HDFC Infinia.

How can I avail Priority Pass benefit on HDFC Infinia Card?

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.

How to get HDFC Infinia Credit Card?

Since HDFC Infinia is offered by invitation only, you cannot apply for it directly. However, if you are an HDFC Bank credit card user for many years, you can speak to your relationship manager to discuss your potential eligibility for an upgrade to Infinia.

How to Redeem HDFC Infinia Reward Points?

You can redeem HDFC Infinia Credit Card reward points through HDFC’s SmartBuy Platform or directly through net banking. Infinia offers a 1:1 conversion ratio for flights and hotel bookings or Tanishq/Apple products and Air Miles Conversion through SmartBuy. However, for product/voucher purchase and cashback conversion, the value of each reward point is Rs. 0.50 and Rs. 0.30 respectively.

What are the Benefits of HDFC Infinia Credit Card?

Some key benefits of HDFC Infinia Credit Card include an excellent reward rate of 3.33% with 1:1 redemption across air miles, flight & hotel bookings, and Tanshiq/Apple products, unlimited lounge access, hotel benefits with ITC and Marriott, low forex mark-up fee, unlimited golf games and a dedicated concierge service.

Is Infinia better than Regalia?

Yes. HDFC Infinia comes with a better reward rate and offers 1:1 redemption on air mile conversion, flight and hotel bookings and Apple/Tanishq purchases on SmartBuy. Unlimited airport lounge access for primary and add-on users, benefits with ITC hotels, Club Marriott membership, unlimited golf games and a low forex mark-up make Infinia an excellent all-rounder option. However, all this is available at a much higher annual fee than Regalia and the eligibility criteria is also stringent.

Which is better, HDFC Infinia or Diners Black Metal?

HDFC Infinia and HDFC Diners Club Black are similar on several grounds. They have the same reward rate of 3.33% and cater to all-round benefits. However, both have their own pros and cons. HDFC Infinia is an invite-only card and comes with a slightly higher annual fee of Rs. 12,500. Whereas, HDFC Diners Club Black charges a lower annual fee of Rs. 10,000 and monthly milestone benefits of Rs. 1,000 per month. HDFC Infinia credit card charges hotel benefits with ITC and Marriott, which is not available on DC Black. You should choose a card based on your preferences.

What is the credit limit offered on Infinia Credit Card?

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.

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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

Content Writer

Rupanshi is 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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