HDFC Bank Shopping Cards

HDFC Bank INFINIA Credit Card

X Basic Benefits
1% – 3.33% basic benefit rate on all purchases (higher benefit rates on specific spends described in the sections below) : With this premium credit cards, you get the below benefit rates on all 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). You earn 3.33 reward points (worth ₹3.33) on every ₹100 you spend, in this case.
– 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). You earn 3.33 reward points (worth ₹1.66) on every ₹100 you spend, in this case.
– 1% benefit rate – if you redeem your reward points for cashback (1 reward point = ₹0.30 or 30 paise on cashback redemption). You earn 3.33 reward points (worth ₹1) on every ₹100 you spend, in this case.

Exceptions and other important terms & conditions 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
– 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.
– 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). After the first ₹60,060 of grocery purchases in the month, you will earn no reward points on additional grocery purchases during the calendar month.
For full terms and conditions, please click here – HDFC Infinia terms and conditions

3X Special Benefits
3% – 10% special benefit rate on Flipkart purchases and 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 – 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). You earn 10 reward points (worth ₹10) on every ₹100 you spend, in this case.
– 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). You earn 10 reward points (worth ₹5) on every ₹100 you spend, in this case.
– 3% benefit rate – if you redeem your reward points for cashback (1 reward point = ₹0.30 or 30 paise on cashback redemption). You earn 10 reward points (worth ₹3) on every ₹100 you spend, in this case.

5X Special Benefits
5% – 16.6% special benefit rate on instant voucher purchases, flights & bus booking, and Apple purchases done via HDFC Smartbuy platform : You get the below benefit rates on instant voucher purchases, flights & bus bookings, and on Apple purchases done via HDFC Smartbuy platform, 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). You earn 16.6 reward points (worth ₹16.6) on every ₹100 you spend, in this case.
– 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). You earn 16.6 reward points (worth ₹8.3) on every ₹100 you spend, in this case.
– 5% benefit rate – if you redeem your reward points for cashback (1 reward point = ₹0.30 or 30 paise on cashback redemption). You earn 16.6 reward points (worth ₹5) on every ₹100 you spend, in this case.

10X Special Benefits
10% – 33.33% special benefit rate on hotels booking and on 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 – 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). You earn 33.3 reward points (worth ₹33.3) on every ₹100 you spend, in this case.
– 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). You earn 33.3 reward points (worth ₹16.6) on every ₹100 you spend, in this case.
– 10% benefit rate – if you redeem your reward points for cashback (1 reward point = ₹0.30 or 30 paise on cashback redemption). You earn 33.3 reward points (worth ₹10) on every ₹100 you spend, in this case.

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 , depending on your exact mix of spends. We will provide some examples later on in this post.

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 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. Benefit also available for add on Priority Pass holders. For full details and list of lounges, please click here – HDFC Infinia airport lounge program

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.

Low foreign exchange conversion fee of 2% – on international spends : You enjoy one of the lowest foreign currency fee of 2%, on the value of all foreign currency transactions

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 benefits 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.

Complimentary insurance benefits : You get complimentary accidental air death cover worth ₹3 Crore, emergency overseas hospitalisation coverage of up to ₹50 lakhs and a lost card liability cover of up to ₹9 lakhs.

Complimentary concierge services : 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.

Good Food Trail Program : You 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.

Annual fee & annual fee offers
– Annual fee of the card is ₹12,500
– 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 ₹10,00,000 , you will be charged an annual fee of ₹12,500, but you will be given 12500 reward points (worth ₹12,500) upon fee payment.

Eligibility criteria : By invite only

Conclusion

As you have seen, HDFC Bank offers a wide range of shopping cards. Based on your needs, spending pattern and eligibility, you can choose which one suits you best.