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.
HDFC Bank
HDFC Infinia Credit Card
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 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.
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 |
|
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
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
Yes, HDFC Infinia is an invite-only card. You cannot apply directly for it.
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.
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.
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.
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.
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.
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.
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.
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.
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 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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8 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).