By: OurMoneyGuide || Last updated on: May 2, 2024

The HDFC Bank INFINIA Credit Card is one of the best super premium cards in the marketplace, and comes as a well-crafted metallic card. You enjoy accelerated rewards on a variety of spending categories, at select partners, and on a variety of voucher purchases. You also get world class lifestyle benefits like free unlimited lounge access both in India and abroad, unlimited golf, complimentary hotel memberships & benefits.  

Pros & Cons of HDFC Bank INFINIA Credit Card

Pros

  • One of the best premium cards in the market – basic reward of 3.3%, and attractive 3X-10X rewards (upto 33.3% reward) at various partners
  • Excellent lifestyle perks like free unlimited lounge access, unlimited golf, complimentary hotel memberships & benefits

Cons

  • HDFC Bank INFINIA Credit Card is available only through invitation
  • Reward rates are attractive, only if you redeem your reward points for flight & hotel bookings, or at select partners like Apple and Tanishq. So in most cases, you will get the most beneficial reward rates only if you are a frequent traveller

Features & Benefits of the HDFC Bank INFINIA Credit Card

3X – 10X rewards on select categories & select partners

HDFC Infinia Credit Card is well known for very attractive accelerated rewards on certain categories and partners. Please find in the table below a snapshot, followed by details on each of these categories.


Applicable categories and partners
33.3% reward (10X)✓ Hotels
✓ Partners – Jockey, IGP.com, Pharmeasy
16.6% reward (5X)✓ Flights
✓ Bus tickets on RedBus
✓ MakeMyTrip holiday packages
✓ Gift vouchers

✓ Partners – Myntra, Apple, Nykaa, Zoom Car
10% reward (3X)✓ Train tickets on IRCTC
*10% – 33.3% rewards shown above, assume you redeem your reward points for flight & hotel bookings on HDFC Smartbuy platform. There are also monthly restrictions on earning these rewards (maximum 15000 accelerated reward points per month), details in the sections below.


✓ 33.3% reward (10X) on the following card spends via HDFC Smartbuy platform – hotels || select partners (Jockey, Pharmeasy, IGP.com)

You can earn 10% to 33.3% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earnings₹ Reward₹ Reward₹ Reward
50 reward points on every ₹150 spent in these categories, meaning 33.3 reward points on every ₹100 spent33.3%

1 reward point = ₹1, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– flights & hotel bookings
– Apple products
– Tanishq vouchers
16.6%

1 reward point = ₹0.50, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– vouchers
– products
10%

1 reward point = ₹0.30, when you redeem your reward points for cashback


✓ 16.6% reward (5X) on the following card spends via HDFC Smartbuy platform – flights || bus tickets || MakeMyTrip holiday packages || gift vouchers || select partners (Myntra, Apple Imagine Tresor, Nykaa, Zoom Car)

You can earn 5% to 16.6% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earnings₹ Reward₹ Reward₹ Reward
25 reward points on every ₹150 spent in these categories, meaning 16.6 reward points on every ₹100 spent16.6%

1 reward point = ₹1, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– flights & hotel bookings
– Apple products
– Tanishq vouchers
8.3%

1 reward point = ₹0.50, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– vouchers
– products
5%

1 reward point = ₹0.30, when you redeem your reward points for cashback


✓ 10% reward (3X) on the following card spends via HDFC Smartbuy platform – railway bookings at IRCTC

You can earn 3% to 10% reward in these categories, based on how you redeem your reward points. Please refer to the below table for details-

Reward point earnings₹ Reward₹ Reward₹ Reward
15 reward points on every ₹150 spent in these categories, meaning 10 reward points on every ₹100 spent10%

1 reward point = ₹1, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– flights & hotel bookings
– Apple products
– Tanishq vouchers
5%

1 reward point = ₹0.50, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– vouchers
– products
3%

1 reward point = ₹0.30, when you redeem your reward points for cashback


✓ 3.3% reward (X) on all other card spends

You can earn 1% to 3.3% reward on all other card spends. Please refer to the below table for details-

Reward point earnings₹ Reward₹ Reward₹ Reward
5 reward points on every ₹150 spent in these categories, meaning 3.3 reward points on every ₹100 spent3.3%

1 reward point = ₹1, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– flights & hotel bookings
– Apple products
– Tanishq vouchers
1.6%

1 reward point = ₹0.50, when you redeem your reward points on the following categories on HDFC Smartbuy platform-
– vouchers
– products
1%

1 reward point = ₹0.30, when you redeem your reward points for cashback


Exceptions and important points to note :
– No reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions
– On grocery purchases, you can earn a maximum of 2000 reward points per month
– On insurance spends, you can earn a maximum of 5000 reward points per month
– You can earn a maximum of 2 lakh reward points on your card, per month

✓ Limits and restrictions on 3X – 10X rewards – maximum 15000 accelerated reward points per month

You can earn a maximum of 15,000 accelerated reward points per calendar month on the 3X – 10X categories described above. 

Accelerated reward points means the extra reward points you get in a certain category. For example in 10X category, you get normal reward points (X), and accelerated reward points (9X). Lets take a few scenarios to understand this in more detail-


Normal reward (X)Accelerated rewardLimit of 15000 ‘accelerated’ reward points per month
If you spend ONLY in the 10X category5 reward points on every ₹150 spent in this category (X)45 reward points on every ₹150 spent in this category (9X)You would reach the limit of 15000 accelerated reward points per month – at monthly spends of ₹50,000 in the 10X categories.
If you spend ONLY in the 5X category5 reward points on every ₹150 spent in this category (X)20 reward points on every ₹150 spent in this category (4X)You would reach the limit of 15000 accelerated reward points per month – at monthly spends of ₹1,12,500 in the 5X categories.
If you spend ONLY in the 3X category5 reward points on every ₹150 spent in this category (X)10 reward points on every ₹150 spent in this category (2X)You would reach the limit of 15000 accelerated reward points per month – at monthly spends of ₹2,25,000 in the 3X categories.

You can of course spend on a mix of each of the 3X-10X categories. As shown in the table above, you will hit your limit of 15000 accelerated reward points in a month, at monthly spends between ₹50,000 and ₹2.25 lakhs, depending on your exact mix of spends. If you spend ONLY in the 10X categories, you will hit the 15000 accelerated reward points the fastest, at ₹50000 monthly spend. If you spend ONLY in the 3X categories, you will hit the 15000 accelerated reward points at ₹2.25 lakh monthly card spend.

Important terms and conditions on redeeming reward points 
– You can redeem a maximum of 1,50,000 reward points per calendar month, on flights & hotel bookings on HDFC Smartbuy portal
– You can redeem a maximum of 50,000 reward points per calendar month, on Tanishq vouchers on HDFC Smartbuy portal
– You can redeem a maximum of 1,50,000 reward points per calendar month, on miles transfer on HDFC Smartbuy portal
– You can redeem a maximum of 50,000 reward points per calendar month, against card statement balance (cashback redemption)
– You can redeem up to a maximum of 70% on the travel bookings (flights, hotel and experiences) using reward points. The balance amount will need to be paid via credit card
– You can redeem up to a maximum of 70% on Apple products and Tanishq vouchers using reward points. The balance amount will need to be paid via credit card
– Reward points have an expiry of 3 years, from date of earning. If the credit card is not used for more than 365 days, reward points accrued will expire

For full terms and conditions, please click here – HDFC Infinia terms and conditions

Unlimited free airport lounge access in India and abroad

You get unlimited complimentary lounge access at over 1,000 airport lounges within and outside India. This benefit is also  available for add-on Priority Pass holders, ensuring a premium and relaxing travel experience wherever you go. To see the list of lounges and other details, please click here.

Unlimited free golf rounds in India & abroad || unlimited free coaching lessons in India.

You enjoy unlimited complimentary golf games at top courses across India , and also abroad. Additionally, you enjoy unlimited complimentary golf coaching at chosen golf courses in India. For list of applicable golf courses, booking process and all other details, please click here – HDFC Infinia golf program.

Hotel & dining benefit at ITC Hotels

You can enjoy a 3-night stay at participating ITC hotels, and only pay for two nights. Additionally, you get a 1+1 complimentary buffet offer at participating ITC Hotels across India. For more information and to avail of these offers, visit here.

Dining discounts at restaurants through Swiggy Dineout, upto ₹2000 per month || Complimentary Swiggy One Membership upgrade

  • 15% discount on restaurant transactions between ₹2000 and ₹6666 (maximum discount of ₹1000 per transaction, minimum transaction amount of ₹2000). On transactions above ₹6666, your discount percentage will fall below 15%. On transactions below ₹2000, no discount is given. 
  • Offer valid 2 times per month
  • Payments need to be made through the Swiggy app

For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program.

Club Marriott Membership for 1 year, as a welcome benefit

You receive a complimentary one-year Club Marriott Membership, granting you exclusive privileges such as:
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at select participating Marriott hotels in India, from Monday to Friday.

For full details, please click here – HDFC Infinia Club Marriott membership program.

Complimentary insurance benefits

You get complimentary insurance covers-
– accidental air death cover worth ₹3 crore
– emergency overseas hospitalisation coverage of up to ₹50 lakhs
– lost card liability cover of up to ₹9 lakhs

Fuel surcharge waiver, upto ₹1000 per month

You get a 1% fuel surcharge waiver at all fuel stations across India , only on fuel transactions between ₹400 and ₹1,00,000. (maximum waiver of ₹1000 per statement cycle).

Complimentary 24/7 global personal concierge

You have access to a 24/7 global personal concierge service – to enhance your travel, entertainment, and business experiences with personalised assistance. The concierge offers various services, including golf booking, itinerary planning, private dining assistance, international gift delivery, event planning, airport VIP service (meet-and-greet), and more.

HDFC Bank INFINIA Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹12,500Welcome offers :
– Upon fee realisation and card activation, you get 12,500 reward points worth ₹12,500.
– You also get a complimentary 1 year Club Marriott membership.
Renewal fee from 2nd year onwards₹12,500Renewal offers :
– Annual fee is not charged from the second year onwards, if you spend ₹10 lakhs or more in the previous year.
– If your annual card spend is below ₹10 lakhs, you will be charged an annual fee of ₹12,500, but will be given 12500 reward points (worth ₹12,500) upon fee payment.

Foreign currency mark-up fee

2% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges

1.99% per month (23.88% per annum)

Fee on rental payments

1% fee is charged on rent payments, from the second rental transaction of the calendar month. No fee is charged on 1 rental payment in a month. No reward points are given on rental payments.

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank INFINIA Credit Card Fees & Charges

Eligibility Criteria

Membership for the HDFC Bank Infinia Credit Card ‘By Invite Only’.

Application Process

Step-by-step guide –

You can follow the below steps, if get an invite for the HDFC Bank Infinia Credit Card

Online application process
You can visit the official website of the bank OR mobile app and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents (listed below in the next section of this page).

Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC Credit Card through WhatsApp Banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query e.g – “Apply for Credit Card”.
Approval timeline and application tracking processTimeline : In most cases, the credit card decision would be communicated within a few days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

Tracking your card application :
– When you apply you get a reference/ application number. If your card is approved , you get a confirmation SMS post which you can track your application by clicking here .

– To track your credit card offline, you can call the 24*7 customer care number and present your issue. You can also track your credit card by walking into the nearest HDFC Bank branch and give your application reference number. The branch executives will then check your credit card application status and track it.

Necessary documents and verification

Required documents
PAN card copy

Identity proof : PAN card , driving license, valid passport, voter ID (any one)

Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)

Income proof : latest salary slip/s, income tax return etc

For details, click here

Conclusion

As you can see, HDFC Infinia is one of the most rewarding credit cards, it comes with high reward rates and a host of lifestyle benefits. The one downside is that it is a ‘by invite only’ card, hence not very easy to access.