HDFC
HDFC Infinia Credit Card
This is an invite only card
This is an invite only card
This is an invite only card
Top Benefits
Get 12,500 Reward Points upon fee realization
and card activation as a welcome benefit
Get Up To 10x Points
on SmartBuy shopping spends
Best For
Airport Lounge
Dining
Travel
The HDFC Infinia Credit Card stands at the top of the luxury credit card market in India. Built specifi...
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The HDFC Infinia Credit Card stands at the top of the luxury credit card market in India. Built specifi...
The HDFC Infinia Credit Card stands at the top of the luxury credit card market in India. Built specifically for high-net-worth individuals, this VISA metal card gives you fantastic travel value and premium lifestyle perks. The card gives you 5 Reward Points for every Rs. 150 you spend, but its true power lies in the SmartBuy portal where 1 Reward Point equals Rs. 1 for flight and hotel bookings. This conversion rate makes it one of the most rewarding travel cards available.
This card is meant for individuals with a minimum annual income of Rs. 60 lakhs for salaried professionals or Rs. 72 lakhs for self-employed individuals. If you meet the strict eligibility requirements, you get access to unlimited global airport lounges, a complimentary Club Marriott membership, and comprehensive insurance coverage including a Rs. 3 Crore air accidental death cover.
What makes the HDFC Infinia different from its competitors is the lack of a complex milestone reward structure. Instead of forcing you to hit specific annual spending targets to get bonus points, it offers a high base reward rate and up to 10X points on travel bookings right from day one. If you spend heavily on flights, hotels, and dining, the return on this card easily covers its annual fee.
View FAQ
Commonly Asked Questions
Is the HDFC Infinia Credit Card lifetime free?
No, the card comes with a joining fee of Rs. 12,500 and an annual renewal fee of Rs. 12,500. However, the annual fee is waived if you spend Rs. 10,00,000 or more in the preceding 12 months.
Who should apply for this card?
This card works best for heavy travelers and big spenders who earn over Rs. 60 lakhs annually. If you spend at least Rs. 10 Lakhs a year on your credit card, you will easily waive the annual fee and accumulate enough points to fund your yearly vacations.
Is it a good first card for building credit?
No, this is not a beginner card. You need an established credit history with a CRIF score of 750 or higher and a very high income profile to get approved.
What makes this different from other premium cards?
The defining feature is the 1:1 redemption value on SmartBuy. Unlike other cards where points drop to a fraction of a rupee when booking flights, 10,000 points on the Infinia give you exactly Rs. 10,000 worth of value for flights and hotels up to 70 percent of the booking amount.
Expert Review
As a credit card expert reviewing the Indian market for the past decade, I find the HDFC Infinia to be a masterpiece for high-net-worth travelers. The math is undeniable: getting 1 Rupee per reward point on SmartBuy travel bookings is a luxury few cards offer. If you route all your family expenses, utilities, and dining through this card, you can easily fund an annual international vacation just from the points.
However, the card is not without flaws. My biggest criticism is the rigid exclusion list. Banning reward points on jewellery purchases is frustrating for the target demographic of this card. High-earning Indian households spend heavily on gold and diamonds, and losing out on points for a Rs. 5 Lakh jewellery bill feels punitive for a super-premium card. Additionally, the Rs. 60 Lakh income barrier puts this card out of reach for 99% of the population.
Ultimately, if you meet the steep eligibility criteria and spend heavily on flights and hotels rather than gold, the HDFC Infinia offers unmatched value. It cuts through the clutter of complicated milestone systems and simply rewards you generously for every swipe.
Joining/Annual Fee
Joining Fees
₹14,750 ( ₹12500 + GST )
Annual Fees
₹14,750 ( ₹12500 + GST )
The premium features of the Infinia card come with premium pricing, though the bank provides straightfo...
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The premium features of the Infinia card come with premium pricing, though the bank provides straightfo...
The premium features of the Infinia card come with premium pricing, though the bank provides straightforward ways to wipe out these costs. The one-time joining fee is Rs. 12,500 plus applicable taxes. However, the bank softens this blow by offering 12,500 Reward Points upon card activation and fee realization. Alternatively, the bank notes that the joining fee of Rs. 12,500 is waived entirely when you earn 12,500 reward points on card activation. Since 1 point is worth Rs. 1 for travel, the net cost of joining is zero if you use the travel portal.
From the second year onwards, an annual renewal fee of Rs. 12,500 is charged. You can get this annual fee completely waived if you spend Rs. 10,00,000 or more in the preceding 12 months. Breaking that down, you need to spend about Rs. 83,333 per month on the card to maintain it for free. For a cardholder earning upwards of Rs. 5 Lakhs a month, routing regular expenses, travel bookings, and utility payments through the card makes hitting this 10 Lakh target achievable. If you fail to hit the Rs. 10 Lakh mark, the full Rs. 12,500 fee is billed to your statement.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 12,500 plus applicable GST, charged when the card is first issued.
Is there a welcome bonus to offset the joining fee?
Yes, you earn 12,500 Reward Points on card activation and fee realization, which offsets the Rs. 12,500 cost when redeemed for travel.
Can the joining fee be waived completely?
The joining fee of Rs. 12,500 is considered waived when you earn the 12,500 reward points on card activation.
What is the annual or renewal fee?
The annual renewal fee is Rs. 12,500 plus GST, charged from the second year onwards.
Is there an annual fee waiver option?
Yes, the annual fee of Rs. 12,500 is waived if you spend Rs. 10,00,000 or more in the preceding 12 months.
What is the monthly spending required to get the annual waiver?
To reach Rs. 10 Lakhs in a year, you need to spend an average of roughly Rs. 83,333 per month on your credit card.
What happens if I spend Rs. 9,50,000 in a year?
Since you missed the Rs. 10 Lakh threshold, the full annual fee of Rs. 12,500 plus GST will be charged to your card account on your anniversary date.
Are excluded categories counted towards the fee waiver milestone?
Spends like cash advances and EMI conversions do not count toward the annual spend milestone. Fuel transactions and wallet loads are also excluded from the Rs. 10 Lakh target.
How can I get this card lifetime free?
The bank does not offer the Infinia card as lifetime free. You must meet the annual Rs. 10 Lakh spending milestone to waive the fee each year.
When is the annual fee charged?
The fee is charged at the end of your 12-month membership cycle on your card anniversary date.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
60LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
Getting approved for the HDFC Infinia is notoriously difficult due to its strict requirements. This car...
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Getting approved for the HDFC Infinia is notoriously difficult due to its strict requirements. This car...
Getting approved for the HDFC Infinia is notoriously difficult due to its strict requirements. This card is offered by invitation, but you can request an upgrade or apply if you meet the baseline criteria. The primary applicant must be an Indian citizen. Salaried individuals must be between 21 and 60 years of age, while self-employed applicants must be between 25 and 60 years old.
The income criteria form the biggest hurdle. Salaried professionals must have a minimum reported income of Rs. 60 Lakhs per annum. That means a monthly salary of exactly Rs. 5,00,000 is required just to be considered. For self-employed individuals, business owners, and professionals, the income requirement jumps to Rs. 72 Lakhs per annum based on Income Tax Returns.
Beyond age and income, your credit history must be nearly flawless. The bank explicitly states that approval is subject to a CRIF score of 750 or higher. Even if you meet the high income threshold, a poor credit history or recent defaults will lead to an immediate rejection. Approval is ultimately subject to internal bank assessment, meaning they look at your overall relationship with HDFC Bank, existing credit limits, and historical spending patterns.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The minimum age is 21 years for salaried employees and 25 years for self-employed professionals or business owners.
What is the maximum age limit for the primary cardholder?
The upper age limit is 60 years for both salaried and self-employed applicants at the time of application.
What is the minimum salary required for salaried applicants?
Salaried individuals need an income of Rs. 60 lakhs per annum. This translates to exactly Rs. 5,00,000 in monthly income to qualify.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must show an annual income of Rs. 72 lakhs per annum in their latest ITRs.
What credit score is needed for approval?
Approval requires a minimum CRIF score of 750 or higher, along with a clean repayment history.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are eligible, provided they meet the respective Rs. 60 lakh and Rs. 72 lakh income thresholds.
Will my application be rejected if my credit score is 740?
Yes, it is highly likely to be rejected. The bank states approval is strictly subject to a CRIF score of 750 or higher.
Do I need an existing relationship with HDFC Bank?
A strong prior banking relationship or an existing high-limit HDFC card significantly improves approval odds, as the bank prioritizes established premium customers for the Infinia.
Can NRIs (Non-Resident Indians) apply for this card?
NRIs qualify for the Infinia card by maintaining a minimum Rs. 20 Lakh relationship value or providing foreign income documents proving an equivalent global income of $100,000.
What if my income is slightly below the requirement?
If your income is below Rs. 60 Lakhs, the bank may offer a different card variant based on your eligibility, such as the HDFC Diners Club Black or Regalia Gold.
All Card Benefits
- Earn 5 reward points per ₹150 retail spend
- Up to 10X reward points on SmartBuy travel and shopping
- Reward redemption: ₹1 per point for flights, hotels, Apple & Tanishq via SmartBuy
- Monthly cap: 1.5 lakh points for flights/hotels/airmiles; 50,000 points for cashback
- Maximum redemption limit: 2 lakh points per statement cycle
Welcome Benefits
When you get the HDFC Infinia Credit Card, the bank provides immediate value to off...
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Welcome Benefits When you get the HDFC Infinia Credit Card, the bank provides immediate value to off...
Welcome Benefits
When you get the HDFC Infinia Credit Card, the bank provides immediate value to offset your initial costs. Upon card activation and realization of your joining fee, you receive 12,500 Reward Points. Since these points can be redeemed at Rs. 1 per point for travel on SmartBuy, this welcome bonus completely balances out the Rs. 12,500 joining fee.
You also receive a complimentary first-year Club Marriott membership. This gives you substantial dining and stay privileges across participating Marriott properties in the Asia-Pacific region. For example, a 20 percent discount on a Rs. 15,000 luxury dinner saves you Rs. 3,000 in a single evening.
Reward Points Structure
The core earning potential of the HDFC Infinia card is excellent. You earn 5 Reward Points for every Rs. 150 spent across most categories. This translates to a standard reward rate of 3.33 percent when points are redeemed for travel at Rs. 1 each. For example, a basic grocery spend of Rs. 15,000 will earn you 500 points.
The earnings explode when you use the SmartBuy portal. You can earn up to 10X Reward Points on SmartBuy travel and partner spends, subject to program terms and monthly caps. If you book a hotel room worth Rs. 30,000 via SmartBuy at a 10X multiplier, you earn an incredible 10,000 points. That is Rs. 10,000 in value back on a Rs. 30,000 spend, effectively giving you a 33.3 percent return on travel bookings.
Travel and Airport Lounge Benefits
Travelers get immense value from this card. Both the primary cardholder and add-on cardholders get unlimited complimentary airport lounge access worldwide via the Priority Pass network. You do not have to worry about counting your visits or meeting quarterly spend targets. If you travel 10 times a year and use lounges that cost Rs. 2,500 per entry, you save Rs. 25,000 effortlessly.
You also get unlimited complimentary golf games at premier courses in India and select global locations, complete with coaching sessions. Additionally, you can convert your reward points to partner Air Miles at a 1:1 ratio. This means 50,000 reward points can become 50,000 frequent flyer miles, which is often enough for a round-trip international flight upgrade.
Dining Benefits
Food lovers benefit heavily from the complimentary Club Marriott membership offered during the first year. This membership gives you up to a 25 percent discount on dining and stays across participating Marriott properties in the Asia-Pacific region. If you regularly host business dinners or enjoy luxury dining, this perk adds up fast. A Rs. 20,000 family dinner at a participating five-star restaurant instantly becomes Rs. 15,000, leaving Rs. 5,000 in your pocket.
Fuel Surcharge Waiver
You receive a 1 percent fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000. This benefit is capped at a maximum waiver of Rs. 1,000 per statement cycle. While fuel spends do not earn reward points, this waiver ensures you do not lose money on surcharges. If you spend Rs. 3,000 on petrol, the Rs. 30 surcharge added by the pump will be reversed in your statement.
Insurance Benefits
The HDFC Infinia card offers massive financial protection. You receive an Air Accidental Death Cover of Rs. 3 Crore. You also get Rs. 50 Lakhs in coverage for emergency overseas hospitalization, giving you peace of mind when traveling abroad. Furthermore, the card includes a credit shield cover of Rs. 9 Lakhs. This means if the primary cardholder passes away, outstanding balances up to Rs. 9 Lakhs are waived off.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You qualify for the 12,500 Reward Points once you activate your card and the bank realizes the Rs. 12,500 joining fee. You must make a minimum transaction of Rs. 100 within 30 days to activate the card properly for rewards.
What is the exact value of the welcome benefit?
The 12,500 Reward Points hold a maximum value of Rs. 12,500 when used for flights or hotels on SmartBuy. If you redeem them for a statement credit instead, they are worth Rs. 3,750 based on the Rs. 0.30 per point conversion rate.
When will I receive the welcome points after card activation?
The welcome points are credited to your reward balance in the statement cycle following the realization of your joining fee payment.
Is the Club Marriott membership lifetime free?
No, the Club Marriott membership is complimentary for the first year only. Renewing the membership for subsequent years costs approximately Rs. 4,000 to Rs. 8,000, or requires a minimum annual spend of Rs. 8,00,000.
Can I get the welcome bonus if my joining fee is waived?
The joining fee of Rs. 12,500 is waived when you earn 12,500 reward points on card activation. This means the points act as your fee offset rather than an extra bonus on top of a waived fee.
What is the standard reward rate on this card?
You earn 5 Reward Points for every Rs. 150 spent. If you spend Rs. 1,500 on dining, you will accumulate 50 points.
What is the value of 1 reward point in rupees?
For travel bookings on SmartBuy, 1 point equals Rs. 1. For statement credit, 1 point equals Rs. 0.30. So, 1,000 points give you Rs. 1,000 for flights or Rs. 300 in statement credit.
Which transactions are excluded from earning reward points?
You do not earn any points on fuel spends, EMI conversions, wallet loads, jewellery purchases, cash advances, and payments of outstanding balances.
Do I earn points when I buy gold or jewellery?
No, jewellery purchases are strictly excluded from reward earnings on this card. A Rs. 2,00,000 spend at a jewelry store will yield zero points.
Do I earn points on wallet top-ups like Paytm or Amazon Pay?
No, wallet loads are an excluded category. Moving Rs. 10,000 to a digital wallet will not generate any reward points.
How do the 10X SmartBuy rewards work?
When you shop or book travel through the HDFC SmartBuy portal using your Infinia card, you get accelerated points. Spending Rs. 1,500 could earn you 500 points instead of the standard 50, subject to monthly caps.
Are there maximum limits on SmartBuy bonus points?
Accelerated points on SmartBuy are capped at 15,000 points per calendar month for 10X categories and 7,500 points for 5X categories.
Can I earn points on EMI spends?
No, transactions converted to EMI do not earn any reward points. If you buy a Rs. 50,000 laptop on EMI, you forfeit the 1,666 standard reward points you would have earned.
Do my reward points expire?
Yes, reward points have a validity period of 3 years. Points not utilized within this 36-month window will expire at the end of the month.
Is there a fee to convert points to airmiles?
There is no reward redemption fee charged when you convert your points or redeem them on this card.
Do add-on cardholders get free lounge access?
Yes, unlimited worldwide lounge access via Priority Pass is available for both primary and add-on cardholders.
Is there a limit on domestic lounge visits?
No, lounge access is unlimited across the 1,000+ airport lounges worldwide, including domestic terminals in India.
How do I book a complimentary golf game?
You must book your golf rounds at least 7 to 10 days in advance through the bank's dedicated concierge desk or specific golf booking portal.
What airlines can I transfer my points to?
Points transfer at a 1:1 ratio to partner air miles. Active partners in the program include Singapore Airlines (KrisFlyer), Vistara (Club Vistara), and British Airways Executive Club.
Do I need a Priority Pass card or just the credit card for lounges?
You must swipe your physical Priority Pass card for international lounges. Domestic lounges accept the Infinia credit card directly.
How do I activate my Club Marriott membership?
The bank will send activation instructions shortly after your joining fee is realized. You must register via a dedicated link or app.
Does the 25% discount apply to alcohol?
Club Marriott discounts of 20% to 25% apply to food and soft beverages; however, alcoholic beverage discounts vary by state and range from 0% to 15%.
Is the discount available on food delivery?
The Club Marriott discount is strictly for dine-in experiences at participating hotel restaurants and does not apply to regular food delivery apps.
Can I use the dining discount internationally?
Yes, the membership is valid for up to 25% discount across participating Marriott properties in the broader Asia-Pacific region.
Will I get a waiver if I buy fuel worth Rs. 5,000?
No, the transaction amount must be strictly between Rs. 400 and Rs. 4,000 to qualify. A Rs. 5,000 transaction misses the criteria entirely.
What is the maximum fuel surcharge I can save monthly?
You can save a maximum of Rs. 1,000 per statement cycle. To hit this cap, you would need to spend Rs. 1,00,000 on eligible fuel transactions.
Does buying fuel earn me any reward points?
No, fuel spends are completely excluded from earning reward points. You only get the 1% surcharge waiver.
Does the waiver include GST on the surcharge?
Banks waive only the 1% surcharge. The 18% GST charged on that surcharge amount is borne by the customer.
How do I qualify for the Rs. 3 Crore air accidental cover?
To be eligible for the air accidental death cover, you must purchase your flight tickets using your HDFC Infinia Credit Card.
Does the overseas hospitalization cover my family too?
Insurance benefits apply to both the primary cardholder and add-on cardholders for most travel-related medical emergencies.
What is a credit shield cover?
If the primary cardholder dies, the insurance company pays off the outstanding credit card bill up to Rs. 9 Lakhs, protecting the family from sudden debt.
Is there zero liability for lost cards?
Yes, you have zero liability on fraudulent transactions once you officially report the card loss to the bank.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.30
Redemption Options
- Flights & Hotels via SmartBuy (up to 70% value payable by RP)
- Apple products
- Tanishq vouchers
- Airmiles transfer
- Statement credit
- Merchandise & vouchers
To check redemption catalogue
The redemption process is where the HDFC Infinia card dominates the market. You earn points on your reg...
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The redemption process is where the HDFC Infinia card dominates the market. You earn points on your reg...
The redemption process is where the HDFC Infinia card dominates the market. You earn points on your regular spends, but the magic happens when you log into the HDFC SmartBuy portal. The bank maintains a comprehensive rewards catalogue where you can book flights and hotels. When you pay using your reward points on SmartBuy, each point is valued at Rs. 1. You can cover up to 70 percent of your total travel booking cost using points, paying the remaining 30 percent with the card itself.
If you prefer not to travel, you have plenty of other choices. You can redeem points for Apple products, Tanishq jewelry vouchers, merchandise, or transfer them to airline partners as Airmiles at a 1:1 ratio. If you just want cash back against your bill, you can opt for a statement credit. However, taking a statement credit reduces the point value to Rs. 0.30 per point. For example, if you have 10,000 points, they give you Rs. 10,000 in flight discounts but only Rs. 3,000 as statement credit. Importantly, there are no reward redemption fees on this card, meaning you get the full value of your points without hidden charges.
View FAQ
Commonly Asked Questions
How do I redeem my reward points?
You need to log into the HDFC SmartBuy portal or the bank's net banking rewards catalogue to select your redemption option and process the transaction.
What is the value I get when booking flights on SmartBuy?
For flights and hotels on SmartBuy, 1 Reward Point equals Rs. 1. If a flight costs Rs. 10,000, you can pay Rs. 7,000 using 7,000 points (70% max limit) and Rs. 3,000 via your card.
What is the value of points for statement credit?
If you redeem points against your credit card bill, 1 point equals Rs. 0.30. So, 5,000 points will reduce your outstanding bill by Rs. 1,500.
What can I redeem my reward points for?
You can redeem them for flights and hotels, Apple products, Tanishq vouchers, merchandise, Airmiles, or direct statement credit.
Is there a limit to how much of a flight booking I can pay with points?
Yes, you can pay a maximum of 70 percent of the flight or hotel booking value using reward points. The remaining amount must be paid using the Infinia card.
Is there a fee for redeeming my rewards?
No, there is zero fee charged when redeeming reward points on this card.
Can I transfer my points to airline miles?
Yes, you can transfer your reward points to partner Airmiles at a 1:1 conversion ratio. 10,000 points become 10,000 frequent flyer miles.
Do my reward points expire?
Reward points expire exactly 3 years from the date of accumulation. Track your expiry timeline through the HDFC net banking portal.
Can I transfer points to my friend's account?
No, reward points are strictly tied to your account and cannot be transferred to another individual's credit card account.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Payment of outstanding balances
For Spends Waiver
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Payment of outstanding balances
Even premium cards have boundaries, and the Infinia is no exception. The bank has a strict list of excl...
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Even premium cards have boundaries, and the Infinia is no exception. The bank has a strict list of excl...
Even premium cards have boundaries, and the Infinia is no exception. The bank has a strict list of exclusion categories where your card spends will earn exactly zero reward points. Transactions made for fuel spends, EMI spends, wallet loads, jewellery purchases, cash advances, and payments of outstanding balances do not yield any points.
The jewellery exclusion is particularly notable for a high-net-worth card. If you purchase Rs. 5,00,000 worth of gold necklaces for a wedding, you will not receive the 16,666 reward points you might expect. Similarly, if you load Rs. 50,000 into a digital wallet to pay household staff, you get no points. Additionally, converting any high-value purchase into SmartEMI instantly strips that purchase of its reward-earning eligibility. It is crucial to use standard swipe methods for retail goods to ensure your points accumulate correctly.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
You earn zero points on fuel spends, EMI spends, wallet loads, jewellery purchases, cash advances, and clearing outstanding balances.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions are entirely excluded from reward points. However, you still receive a 1% surcharge waiver on eligible fuel amounts.
Does paying for jewellery earn any reward points?
No, jewellery purchases are specifically excluded. A Rs. 1,00,000 payment at a jewelry store will give you zero reward points.
What happens if I convert a large purchase into an EMI?
EMI spends are excluded. If you buy a Rs. 1,50,000 television and convert it to SmartEMI, you will lose the 5,000 reward points that transaction would have normally earned.
Do wallet top-ups earn rewards on this card?
No, loading money into digital wallets is an excluded category and will not generate any points.
Does withdrawing cash earn points?
No, cash advances do not earn points and they attract high withdrawal fees and immediate interest charges.
Are utility bill payments excluded from rewards?
Utility bill payments earn reward points at the standard rate of 5 points per Rs. 150, capped at 10,000 points per month.
What happens if I accidentally make a payment in an excluded category?
The transaction processes successfully and will show on your bill, but you won't accumulate any reward points for that specific spend.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 2% |
APR Fees 3.6% monthly fee. Credit cards allow you for an interest-free payment period of 20-55 days. However, if you fail to make payment for your statement in due time, then the bank starts charging interest. A simple way to avoid heavy interest rates over a long time is to convert your large spends into EMIs. Normally, the bank charges 16% p.a interest on EMIs; however, if you fail to pay in time, then annual interest can reach up to 43.2% | 3.60% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets.₹10 is charged per transaction for bookings via IRCTC | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A fee of ₹100 is charged for each check payment.correcta nd shoudl be ready to copy paste
| ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | 0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹800 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
The HDFC Infinia carries a fee structure typical of a super-premium metal card. While the annual fees a...
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The HDFC Infinia carries a fee structure typical of a super-premium metal card. While the annual fees a...
The HDFC Infinia carries a fee structure typical of a super-premium metal card. While the annual fees are high, the interest rates and penalties can be steep if balances are not managed correctly. Below is a detailed breakdown of every cost associated with the card.
Joining Fee: The one-time joining fee is Rs. 12,500 plus taxes. The joining fee of Rs. 12,500 is waived when you earn 12,500 reward points on card activation. Effectively, if you use the card, the initial entry cost neutralizes itself.
Annual or Renewal Fee: From the second year, the annual fee is Rs. 12,500 plus taxes. The annual fee is waived if you spend Rs. 10,00,000 or more in the preceding 12 months. For example, if you spend Rs. 85,000 every month on groceries, dining, and bills, you will hit Rs. 10.2 Lakhs and pay zero renewal fees.
APR or Interest Rate: The card charges a 3.6% monthly fee on unpaid balances, which translates to 43.2% annually. Credit cards allow an interest-free payment period of 20-55 days. However, if you fail to pay your statement on time, the bank charges interest. For example, if you carry a Rs. 50,000 balance into the next month, you will be hit with roughly Rs. 1,800 in interest charges for just one month.
Late Payment Charges: Late payment charges follow a tiered structure, reaching up to Rs. 1,300 for balances exceeding Rs. 50,000. Late fees are charged in addition to the APR if you fail to pay even the Minimum Amount Due.
Foreign Transaction or Forex Markup Fee: A low 2% forex markup is charged on transactions made in currencies other than INR. This applies to international POS payments and online purchases. For example, if you buy a USD 1,200 laptop abroad (roughly Rs. 1,00,000), the bank adds a Rs. 2,000 markup fee.
ATM Cash Withdrawal Fee: 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum Rs. 500). If you withdraw Rs. 10,000 from an ATM in an emergency, you will be charged a Rs. 500 fee, plus daily interest from day one.
Rent Payment Convenience Fee: Paying rent via credit card attracts a 1% convenience fee on the transaction amount plus GST, making it an expensive way to transfer money.
Railway Surcharge: Railway ticket bookings through the IRCTC website attract a transaction charge of 1.8% of the fare plus taxes.
Cash Payment Fee: Making a cash payment at an HDFC Bank branch for your credit card bill incurs a processing fee of Rs. 100 per transaction.
Cheque Payment Fee: Cheque payments are processed free of charge, but a bounced cheque will attract a penalty fee of Rs. 500 plus taxes.
Reward Redemption Fee: No fee is charged when redeeming reward points on this card. If you redeem 20,000 points for a Rs. 20,000 flight, you pay zero processing fees to the bank.
| Fee Category | Amount / Rate |
|---|---|
| Joining Fee | Rs. 12,500 (Waived on earning 12.5k RP on activation) |
| Annual Fee | Rs. 12,500 (Waived on Rs. 10 Lakh annual spend) |
| Interest Rate (APR) | 3.6% monthly (43.2% annually) |
| Forex Markup | 2% on international spends |
| Cash Withdrawal Fee | 2.5% of amount (Min Rs. 500) |
| Reward Redemption Fee | Not Applicable (Zero fee) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 12,500 plus taxes. You receive 12,500 points to offset this cost.
What is the annual or renewal fee?
The annual renewal fee is Rs. 12,500 plus taxes.
Is there an annual fee waiver based on spending?
Yes, the Rs. 12,500 fee is entirely waived if your card spends exceed Rs. 10,00,000 in the previous year.
How can I get this card lifetime free?
The card is not offered lifetime free. You must meet the Rs. 10 Lakh spend requirement annually to get the fee waived.
What is the interest rate if I don't pay my full balance?
You will be charged a 3.6% monthly fee, which equals 43.2% per year.
How is the interest calculated on outstanding balances?
If you fail to clear your statement balance, you lose the 20-55 day interest-free period. Interest is calculated daily at 3.6% per month on the unpaid balance from the original date of purchase.
What are the late payment charges?
Late payment fines follow a tiered structure, peaking at Rs. 1,300 for balances exceeding Rs. 50,000.
What is the forex markup for international transactions?
The card charges a highly competitive 2% forex markup. Spending Rs. 50,000 in a foreign currency will incur a Rs. 1,000 fee.
Can I withdraw cash using my credit card?
Yes, but it is expensive. The bank charges a 2.5% withdrawal fee on the cash amount, with a minimum of Rs. 500.
Are there fees for paying rent with this card?
Rent payments are subject to a 1% convenience fee on the total transaction value.
Is there a fee for paying my bill in cash?
Depositing cash at an HDFC branch to settle your bill incurs a Rs. 100 service charge.
What are the charges for cheque payment of bills?
Cheque bounce charges are fixed at Rs. 500 per instance.
Are there charges for railway ticket bookings?
IRCTC transactions incur a standard surcharge of 1.8% plus applicable taxes.
Is there a fee to redeem my reward points?
No, reward point redemption is completely free of charge on this card.
What happens if I spend more than my credit limit?
Exceeding your sanctioned credit limit triggers a 2.5% penalty fee (minimum Rs. 500) on the over-limit amount.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
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Commonly Asked Questions
What identity documents are needed?
You must provide your PAN Card and a valid address proof such as an Aadhaar Card, Passport, or Voter ID.
What income proof is required for salaried applicants?
Salaried individuals must provide their last 3 months' salary slips and the latest Form 16 proving an annual income of Rs. 60 Lakhs.
What income proof is needed for self-employed applicants?
Self-employed applicants must submit their latest Income Tax Returns (ITR) showing a computed annual income of Rs. 72 Lakhs or more.
Do I need to submit bank statements?
Yes, the bank requests the last 6 months of bank statements to verify consistent cash flow and salary credits.
Can I apply using another credit card statement?
Card-to-card processing for Infinia is extremely rare. Approval relies almost entirely on verified hard income documents like salary slips or ITRs.
Do I need physical copies of my documents?
For the online Video KYC process, you only need the physical original PAN card. Other documents are uploaded digitally.
Who Should Get This Card?
The Frequent International Flyer: If you take multiple flights a year, stay in luxury hotels, and want unlimited lounge access for your entire family, this card was built for you. The 10X points on SmartBuy travel mean you earn free flights faster than almost any other card in India.
The High Earner Seeking Simplicity: If you earn over Rs. 60 Lakhs and do not want the headache of tracking complex monthly spending milestones, the flat 3.33% reward rate on everyday spends offers zero-hassle value.
Who Should Pass? If your income is below Rs. 60 Lakhs, you will not qualify. Furthermore, if you prefer cash back over travel rewards, or if you spend heavily on excluded categories like jewellery, this card will frustrate you. In that case, look for pure cashback cards instead.
Credit Limit and What to Expect
Given the Rs. 60 to 72 Lakh annual income requirement, the credit limits assigned to the Infinia card are among the highest in the retail banking sector. The bank tailors the limit based on your internal relationship, your verified income, and existing card limits. You can expect a limit that easily supports international travel, luxury shopping, and large lifestyle purchases without triggering high credit utilization alarms.
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Commonly Asked Questions
What starting credit limit can I expect?
Because the minimum income is Rs. 60 Lakhs per year, starting limits range from Rs. 8 Lakhs to Rs. 15 Lakhs, depending on bank discretion.
Can I request a limit increase later?
Yes, you can request limit enhancements periodically by submitting updated Income Tax Returns or salary slips showing income growth.
Does spending my full limit affect my credit score?
Using more than 30 percent of your total available credit limit can negatively impact your credit score. It is best to maintain a low credit utilization ratio.
Will I be penalized for exceeding my credit limit?
Yes, over-limit fees apply if you spend beyond your sanctioned credit limit. The over-limit fee is 2.5% of the excess amount, subject to a minimum of Rs. 500 per instance.
Are limits shared between add-on cards?
Yes, any add-on cards issued to your family members share the single primary credit limit assigned to your account.
Does cash withdrawal reduce my spending limit?
Yes, cash advances immediately consume a portion of your overall credit limit and incur high fees and daily interest.
How to Apply?
Applying for the HDFC Infinia requires a streamlined process, though as an invite-heavy card, checking your eligibility first is crucial. You can begin the process online through the official bank website or a partner network tracking link. Once you verify your identity with your mobile number and PAN, the system checks your credit score and income bracket.
If you meet the stringent requirements, you will proceed to the Video KYC stage. This digital verification step requires you to be in a well-lit room with a stable internet connection, holding your physical original PAN card. Ensure you are physically present in India and within 50 kilometers of your declared residential address during the call to prevent location-based rejections.
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Commonly Asked Questions
Can I apply for this card online?
Yes, you can initiate the application online, but final approval depends on strict income and credit score verification.
What is Video KYC and is it mandatory?
Video KYC is a mandatory digital verification call with a bank agent. It replaces the need to physically visit a branch to submit documents.
What do I need for a successful Video KYC call?
You need a stable internet connection, good lighting, a blank piece of paper with a pen for a live signature, and your original physical PAN card.
Are there geographic restrictions for Video KYC?
Yes, you must be within 50 kilometers of your registered residential address, and your GPS location must be shared during the call.
How long does the approval process take?
After a successful Video KYC and document submission, premium card approvals take 7 to 10 working days.
What happens if my Video KYC fails?
If your call drops or fails due to location issues, you will need to complete a physical KYC process by visiting an HDFC branch.
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get 12,500 Reward Points upon fee realization
and card activation as a welcome benefit
Get Up To 10x Points
on SmartBuy shopping spends
The smartest way to find your great credit card
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