Our Money Guide

The HDFC Bank INFINIA Credit Card is one of the best premium cards in the marketplace. You enjoy accelerated rewards on a variety of HDFC Bank partners like Flipkart, flight & hotel booking partners, and on a variety of voucher purchases. You also get world class lifestyle benefits like free unlimited lounge access, unlimited golf, complimentary hotel partnerships with ITC Hotels & Club Marriott.  

Brief Summary

Our Rating
4.50 / 5

Our View :

One of the best premium cards in the marketplace. You can get unlimited 3.33% basic benefit rate on all spends, plus accelerated reward rates of 10% – 33.3% (3X – 10X) on a variety of travel and shopping purchases with various HDFC Bank partners on HDFC Smartbuy platform. The one drawback is that you get these benefit rates only if you redeem your reward points for hotel & flight booking, or redeem them at select shopping partners like Apple and Tanishq. You also also have other redemption options like products, vouchers and cashback, but then your benefit rates will fall by 50-70%.

The card offers world class lifestyle benefits like free unlimited lounge access, unlimited golf, complimentary hotel partnerships with ITC Hotels & Club Marriott 

This is also an invite only card, but having a premium account with HDFC Bank can help you get this card.

Annual fee of the card is ₹12,500 but it has welcome and renewal offers that can help compensate the fee.

HDFC Infinia Credit Card

on HDFC Bank website

HDFC Bank INFINIA Credit Card

Special Benefits

Upto 33.3% benefit on select partners

Other Benefits

Unlimited complimentary airport lounge access both in India & abroad

Minimum Income

Not specified

Annual Fee

₹ 12,500

Annual Fee Offers

Welcome offer worth ₹12500 , and 1 year complimentary Club Marriott membership
Renewal offer worth ₹12500

HDFC Bank INFINIA Credit Card : Summary Table

10X  

10% – 33.33% special benefit rate on
– hotels booking
– purchases on gifting website – IGP.com
(done via HDFC Smartbuy platform)
You get the below benefit rates on hotels bookings and purchases done on IGP.com via HDFC Smartbuy platform, depending on how you redeem your reward points-

33.3% benefit rate on spends in this category – on hotels bookings and purchases done on IGP.com via HDFC Smartbuy platform
if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 33.3 reward points (worth ₹33.3) on every ₹100 you spend, in this case.

16.6% benefit rate on spends in this category – on hotels bookings and purchases done on IGP.com via HDFC Smartbuy platform
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 33.3 reward points (worth ₹16.6) on every ₹100 you spend, in this case.

10% benefit rate on spends in this category – on hotels bookings and purchases done on IGP.com via HDFC Smartbuy platform
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 33.3 reward points (worth ₹10) on every ₹100 you spend, in this case.
5X  

5% – 16.6% special benefit rate on   
– buying instant vouchers
– flights & bus booking
– Apple purchases
(done via HDFC Smartbuy platform)
You get the below benefit rates on buying instant vouchers, flights & bus bookings, and on Apple purchases done via HDFC Smartbuy platform, depending on how you redeem your reward points-

16.6% benefit rate on spends in this category – instant vouchers, flights & bus bookings, and Apple purchases done via HDFC Smartbuy platform
– if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 16.6 reward points (worth ₹16.6) on every ₹100 you spend, in this case.

8.3% benefit rate on spends in this category – instant vouchers, flights & bus bookings, and Apple purchases done via HDFC Smartbuy platform
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 16.6 reward points (worth ₹8.3) on every ₹100 you spend, in this case.

5% benefit rate on spends in this category – instant vouchers, flights & bus bookings, and Apple purchases done via HDFC Smartbuy platform
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 16.6 reward points (worth ₹5) on every ₹100 you spend, in this case.
3X      
 
3% 10% special benefit rate on
– Flipkart purchases
– on rail tickets bookings
(done via HDFC Smartbuy platform)
You get the below benefit rates on Flipkart purchases & rail ticket bookings done via HDFC Smartbuy platform, depending on how you redeem your reward points-

■ 10% benefit rate on spends in this category – Flipkart purchases & rail ticket bookings via HDFC Smartbuy platform
if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 10 reward points (worth ₹10) on every ₹100 you spend, in this case.

5% benefit rate on spends in this category – Flipkart purchases & rail ticket bookings via HDFC Smartbuy platform
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 10 reward points (worth ₹5) on every ₹100 you spend, in this case.

3% benefit rate on spends in this category – Flipkart purchases & rail ticket bookings via HDFC Smartbuy platform
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 10 reward points (worth ₹3) on every ₹100 you spend, in this case.
X

1% – 3.33% basic benefit rate on all purchases
You get the below benefit rates on all other purchases, depending on how you redeem your reward points-

3.33% benefit rate on all other purchases
– if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 3.33 reward points (worth ₹3.33) on every ₹100 you spend, in this case.

1.66% benefit rate on all other purchases
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 3.33 reward points (worth ₹1.66) on every ₹100 you spend, in this case.

1% benefit rate on all other purchases
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 3.33 reward points (worth ₹1) on every ₹100 you spend, in this case.

Important exceptions on earning reward points 
– no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions
– on insurance transactions, you can earn a maximum of 5000 reward points per day, which is equal to a maximum insurance spend of approximately ₹1.50 lakhs per day (since you earn 3.33 reward points on every ₹100 you spend). 
– on grocery transactions, you can earn a maximum of 2000 reward points per calendar month, which is equal to a maximum grocery spend of approximately ₹60,000 per calendar month (since you earn 3.33 reward points on every ₹100 you spend).

For full terms and conditions, please click here – HDFC Infinia terms and conditions
Limits & Restrictions on 3X-10X accelerated rewardsYou can earn a maximum of 15,000 special reward points per calendar month in the 3X – 10X categories described above. 

For example 
– If you spend ONLY in 10X categories, you will earn 33.3 reward points on every 100 spend , only on spends upto ₹50,000 per month. 
– If you spend ONLY in 5X categories, you will earn 16.6 reward points on every 100 spend , only on spends upto ₹1,12,500 per month. 
– If you spend ONLY in 3X categories, you will earn 10 reward points on every 100 spend , only on spends upto ₹2,25,000 per month. 

You can of course spend on a mix of each of the 3X-10X categories, and you will earn special reward points on monthly spends between ₹50,000 and ₹2,25,000 , depending on your exact mix of spends.
Unlimited complimentary airport lounge access – both within India and abroad– You enjoy unlimited complimentary lounge access at airports within and outside India , at 1,000+ airport lounges using Priority Pass.
– This benefit is also available for add-on cardholders.

For full details and list of lounges, please click here – HDFC Infinia airport lounge program.
Low foreign exchange transaction fee of 2% – on international spendsYou enjoy one of the lowest foreign currency fee of 2%, on the value of all foreign currency transactions.
Unlimited free golf rounds in India & abroad.  And unlimited free coaching lessons in India.– You enjoy unlimited complimentary golf games at top courses across India , and select courses worldwide.
– 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.
Club Marriott membership for 1 year

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
Hotel & dining with 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, please click here.
Complimentary insurance benefitsYou get complimentary
– 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
1% fuel surcharge waiverYou get a 1% fuel surcharge waiver at all fuel stations across India –
only on fuel transactions between ₹400 and ₹1,00,000 AND
only on fuel spends upto ₹1 lakh per month, since the maximum waiver is capped at ₹1000 per monthly card statement cycle
Complimentary concierge servicesYou 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.
₹12,500 annual fee Annual fee offers – 
Welcome 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 offers :
– Annual fee is not charged from the second year onwards – if you spend ₹10,00,000 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 you will be given 12500 reward points (worth upto ₹12,500) upon fee payment.
Eligibility By invite only

Pros & Cons

Benefits of using the HDFC Bank INFINIA Credit Card

  • One of the best premium cards in the market – basic benefit rate of 3.3%, and especially attractive 3X-10X rewards program (upto 33.3% benefit rate) with various partners
  • Excellent lifestyle perks like free unlimited lounge access, unlimited golf, complimentary hotel partnerships with ITC Hotels & Club Marriott

Limitations and drawbacks to consider

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

Comparing with Competitor Fuel Credit Cards

Features
SBI PRIME Credit Card
Our Rating
       
APPLY NOW
Rewards Rate 0.5% – 2.5%

Other benefits Fuel Surcharge Waiver
Annual Fee ₹4999 + GST

Annual Fee Offers Zero renewal fees – if minimum spending in the previous year is ₹10,00,000
Minimum Income Not Specified

Full Review of the HDFC Bank INFINIA Credit Card

Features & Benefits of HDFC Bank INFINIA Credit Card

(3X)
Upto 10% reward on Flipkart purchases || rail ticket bookings (via HDFC Smartbuy platform)

You get the below benefit rates in this category, depending on how you redeem your reward points-

10% benefit rate
if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 15 reward points on every ₹150 you spend in this category = 10 reward points on every ₹100 spend = ₹10 on every ₹100 spend in this category (10%).

5% benefit rate
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 15 reward points on every ₹150 you spend in this category = 10 reward points on every ₹100 spend = ₹5 on every ₹100 spend in this category (5%).

3% benefit rate
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 15 reward points on every ₹150 you spend in this category = 10 reward points on every ₹100 spend = ₹3 on every ₹100 spend in this category (3%).

▶︎ As you can see, you get the least benefit if you redeem your reward points for cashback. You will get the most benefit if you redeem your reward points for booking travel (flights & hotels) on HDFC Smartbuy, or for Tanishq vouchers and Apple products on Smartbuy.

(5X)
Upto 16.6% reward on gift voucher purchases || flights & bus booking || at select partners – Apple, Nykaa, Zoom Car (via HDFC Smartbuy platform)

You get the below benefit rates in this category, depending on how you redeem your reward points-

16.6% benefit rate
– if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 25 reward points on every ₹150 you spend in this category = 16.66 reward points on every ₹100 spend = ₹16.6 on every ₹100 spend in this category (16.6%).

8.3% benefit rate
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 25 reward points on every ₹150 you spend in this category = 16.66 reward points on every ₹100 spend = ₹8.3 on every ₹100 spend in this category (8.3%).

5% benefit rate
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 25 reward points on every ₹150 you spend in this category = 16.66 reward points on every ₹100 spend = ₹5 on every ₹100 spend in this category (5%).

▶︎ As you can see, you get the least benefit if you redeem your reward points for cashback. You will get the most benefit if you redeem your reward points for booking travel (flights & hotels) on HDFC Smartbuy, or for Tanishq vouchers and Apple products on Smartbuy.

(10X)
Upto 33.3% reward on hotels bookings || at select partners – IGP.com & Jockey (via HDFC Smartbuy platform)

You get the below benefit rates in this category depending on how you redeem your reward points-

33.3% benefit rate
if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 50 reward points on every ₹150 you spend in this category = 33.33 reward points on every ₹100 spend = ₹33.3 on every ₹100 spend in this category (33.3%).

16.6% benefit rate
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 50 reward points on every ₹150 you spend in this category = 33.33 reward points on every ₹100 spend = ₹16.6 on every ₹100 spend in this category (16.6%).

10% benefit rate
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 50 reward points on every ₹150 you spend in this category = 33.33 reward points on every ₹100 spend = ₹10 on every ₹100 spend in this category (10%).

▶︎ As you can see, you get the least benefit if you redeem your reward points for cashback. You will get the most benefit if you redeem your reward points for booking travel (flights & hotels) on HDFC Smartbuy, or for Tanishq vouchers and Apple products on Smartbuy.

(X)
Upto 3.3% basic benefit rate on all other card purchases

You get the below benefit rates on all other card purchases, depending on how you redeem your reward points-

3.33% benefit rate
– if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform.
– 1 reward point = ₹1 on these redemption options.
– so you earn 5 reward points on every ₹150 you spend in this category = 3.33 reward points on every ₹100 spend = ₹3.33 on every ₹100 spend in this category (3.33%).

1.66% benefit rate
– if you redeem your reward points for vouchers and products via HDFC Smartbuy platform.
– 1 reward point = ₹0.50 or 50 paise on these redemption options.
– so you earn 5 reward points on every ₹150 you spend in this category = 3.33 reward points on every ₹100 spend = ₹1.66 on every ₹100 spend in this category (1.66%).

1% benefit rate
– if you redeem your reward points for cashback.
– 1 reward point = ₹0.30 or 30 paise on cashback redemption.
– so you earn 5 reward points on every ₹150 you spend in this category = 3.33 reward points on every ₹100 spend = ₹1 on every ₹100 spend in this category (1%).

▶︎ As you can see, you get the least benefit if you redeem your reward points for cashback. You will get the most benefit if you redeem your reward points for booking travel (flights & hotels) on HDFC Smartbuy, or for Tanishq vouchers and Apple products on Smartbuy.

Limits & restrictions on 3X-10X accelerated rewards

You can earn a maximum of 15,000 special reward points per calendar month on the 3X – 10X categories described above. 
For example 
– If you spend ONLY in 10X categories, you will earn the 33.3% special benefit rate (33.3 reward points on every 100 spend) , on spends upto ₹50,000 per month. 
– If you spend ONLY in 5X categories, you will earn the 16.6% special benefit rate (16.6 reward points on every 100 spend) , on spends upto ₹1,12,500 per month. 
– If you spend ONLY in 3X categories, you will earn the 10% special benefit rate (10 reward points on every 100 spend) , on spends upto ₹2,25,000 per month. 
You can of course spend on a mix of each of the 3X-10X categories, and you will earn special reward points on monthly spends between ₹50,000 and ₹2,25,000 on these accelerated categories , depending on your exact mix of spends.

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 using Priority Pass.  This benefit is also  available for add-on Priority Pass holders, ensuring a premium and relaxing travel experience wherever you go.

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

You enjoy unlimited complimentary golf games at top courses across India , and select courses worldwide. 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 with 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.

Club Marriott Membership for 1 year

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

Other Cardholder Benefits

Complimentary insurance benefitsYou get complimentary
– 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 waiverYou 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 concierge servicesYou 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.
Good Food Trail ProgramYou get a 15% discount (capped at ₹1000) on all bill payments via Swiggy Dineout at 20,000+ restaurants , and a complimentary Swiggy One Membership Upgrade.
24/7 customer supportPlease click here for all the options to contact the bank for various issues and escalations
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card.

Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your SBI Yatra card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your SBI Yatra card, you would still get these alerts and notifications – which will help you immediately block your credit card.
Contactless paymentLook for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

Important Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual 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 you will be given 12500 reward points (worth ₹12,500) upon fee payment.

Late payment fee

Late payment fee depends on the total payment due

Payment amount dueLate fee
Upto ₹500Nil
₹501 to ₹1000₹400
₹1001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25,001 to ₹50,000₹1100
Over ₹50,000₹1300

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. 

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 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.

KNOW MORE

on HDFC Bank website

Frequently Asked Questions


How can I avail the benefits on my HDFC Bank INFINIA Credit Card?

To avail the benefits, simply use your HDFC Bank INFINIA Credit Card to receive upto 33% benefits on various types of shopping and travel spends. Your complimentary Club Marriott Membership will be automatically activated. You also also receive a vast range of best-in-class lifestyle benefits like unlimited access to airport lounges both in India and abroad, unlimited golf etc.

Is the Club Marriott Membership valid for the entire duration of my HDFC Bank INFINIA Credit Card? 

No, the Club Marriott Membership is complimentary for the first year only. Subsequent renewals will be subject to terms and conditions set by Club Marriott.

What are the lounge access benefits with the HDFC Bank INFINIA Credit Card? 

With the HDFC Bank INFINIA Credit Card, you can enjoy unlimited lounge access at domestic and international airports. Please refer to the list of participating lounges for details.

What is the eligibility criteria for the HDFC Bank INFINIA Credit Card?

The HDFC Bank INFINIA Credit Card is an invite-only card. To check your eligibility and receive an invitation, you can reach out to HDFC Bank or visit their website for more details.