The ultimate super-premium card for luxury and travel enthusiasts
Unlimited domestic & international lounge access
Up to 10X reward points on SmartBuy
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| Benefit | Details |
|---|---|
| Premium Lounge Access | Enjoy unlimited domestic and international airport lounge access with complimentary Priority Pass membership. |
| Accelerated Rewards | Earn 5 reward points per ₹150 spent on most transactions, with up to 10X points on HDFC SmartBuy portal. |
| Exceptional Redemption | Redeem reward points at 1:1 ratio for flights and hotels, maximising the value of accumulated points. |
| Luxury Memberships | Receive complimentary first-year Club Marriott membership and access to exclusive lifestyle privileges. |
| Annual Fee Waiver | Annual fee of ₹12,500 + GST waived on spending ₹10 lakhs or more in the previous year. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Super-Premium / Travel & Lifestyle |
| Type of Card | Visa |
| Free or Paid | ₹12,500 Annually (waived on spends of over ₹10L) |
The HDFC Bank Infinia Credit Card represents the pinnacle of premium credit cards in India, designed exclusively for high-net-worth individuals who seek unparalleled luxury, travel benefits, and lifestyle privileges. This invite-only card serves frequent international travellers, business executives, and affluent individuals who appreciate exceptional rewards, worldwide lounge access, luxury hotel benefits, and personalised concierge services. With its metal construction, accelerated reward points, and premium redemption options, the card delivers extraordinary value for discerning customers.
Global Acceptance: Accepted at millions of merchant establishments worldwide, the card enables seamless transactions across all categories including luxury retail, fine dining, international travel, and entertainment.
Hotel Stays: Cardholders are eligible for privileged hotel benefits at selected luxury properties. For example, you may book three nights and only pay for two at participating hotels of the ITC Hotels group, along with a complimentary 1+1 buffet offer.
Club Marriott Membership: The card includes a complimentary membership to Club Marriott during the first year. This membership brings perks such as up to 20% discount on dining and room stays across the Asia-Pacific region, plus bonus membership reward points.
Complimentary Golf Privileges: Enjoy unlimited complimentary rounds of golf at premier golf courses in India and selected international venues. Additionally, access to unlimited coaching sessions at select courses in India is offered as part of the card’s premium privileges.
Foreign Currency Fees: The card offers very competitive foreign currency transaction charges. It features one of the lowest mark-up fees, just 2% on overseas transactions, making it an attractive option for frequent travellers.
Metal Card Design: Crafted from metal, the card exudes luxury and durability, reflecting the premium status of its cardholders and making a statement at every transaction.
Add-on Cards: Cardholders can issue supplementary cards to family members, extending the premium benefits and allowing collective accumulation of reward points for enhanced value.
Comprehensive Insurance: The card comes with extensive insurance coverage including air accident cover up to ₹3 crores, overseas medical insurance up to ₹50 lakhs, and credit shield coverage up to ₹9 lakhs.
24/7 Global Concierge: Access to dedicated concierge services available round the clock for travel arrangements, restaurant reservations, event bookings, and personalised assistance worldwide.
Premium Reward Rate: Cardholders earn 5 reward points for every ₹150 spent on most retail transactions, providing one of the highest earning rates in the premium card segment.
10X Rewards on SmartBuy: When shopping through HDFC Bank's SmartBuy portal, cardholders earn up to 10X reward points on select categories including flights, hotels, electronics, and lifestyle products.
Comprehensive Coverage: The reward earning applies to diverse spending categories including shopping, dining, travel, entertainment, departmental stores, and international transactions.
Flight and Hotel Bookings: Redeem reward points at an outstanding 1:1 ratio for flight tickets and hotel bookings through the SmartBuy platform, where 1 reward point equals ₹1, maximising redemption value.
Apple Products: Purchase Apple products including iPhones, iPads, MacBooks, and accessories through the rewards programme at attractive redemption rates.
Tanishq Vouchers: Convert reward points into Tanishq jewellery vouchers at favourable conversion rates, providing access to premium jewellery purchases.
Air Miles Transfer: Transfer reward points to partner airline frequent flyer programmes including British Airways Executive Club, Singapore Airlines KrisFlyer, and others at competitive conversion ratios.
Product Catalogue: Exchange points for luxury products, electronics, home appliances, and lifestyle items through HDFC Bank's premium rewards catalogue.
Club Marriott Membership: Receive complimentary Club Marriott membership for the first year, providing access to exclusive benefits, room upgrades, and special rates at Marriott properties worldwide.
Unlimited Domestic Access: Enjoy unlimited complimentary access to domestic airport lounges across all major airports in India, providing comfort and convenience before flights.
Priority Pass Membership: Receive complimentary Priority Pass membership enabling unlimited international lounge access at over 1000+ lounges worldwide.
ITC Hotels Programme: Book 3 nights and pay for only 2 at ITC hotels across India. Additionally, enjoy complimentary 1+1 buffet at select ITC restaurants.
Club Marriott Benefits: With complimentary first-year membership, enjoy benefits including room upgrades subject to availability, late checkout, and exclusive member rates.
Good Food Trail: Receive 15% discount at over 20,000 plus restaurants across India through Swiggy Dineout powered by HDFC Bank, making dining out more economical.
Unlimited Golf Games: Play unlimited rounds of golf at premium selected golf courses across the world worldwide, including some of India's leading and most prestigious clubs.
Fuel Surcharge Waiver: Receive 1% fuel surcharge waiver on transactions between ₹400 and ₹1,00,000 at petrol pumps across India, with the benefit applicable across a much wider transaction range compared to standard cards.
Lowest Markup: The card offers one of the lowest foreign currency markup rates at 2% on international transactions, significantly lower than the standard rate charged by most cards, making it ideal for frequent international travellers.
Complete Protection: If the card is lost or stolen and reported immediately to HDFC Bank, the cardholder bears no liability for any fraudulent transactions made after reporting, providing complete peace of mind.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹12,500 + GST | One-time charge when the card is issued on an invite-only basis. |
| Annual Fee | ₹12,500 + GST | Charged every year. Waived if annual spends are ₹10,00,000 or more. |
| Fuel Surcharge | 1% waiver on transactions between ₹400–₹1,00,000 | Applicable at fuel stations across India with wider transaction range. |
| Foreign Currency Markup | 2% of transaction value | Applicable on all foreign currency transactions and international purchases. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals, Non-Govt. & Govt.) | Minimum 21 years Maximum 60 years |
Age (Self-Employed Individuals, Non-Govt.) | Minimum 21 years Maximum 65 years |
Occupation | Salaried / Self-Employed / Professional |
Other Criteria | Good credit score, stable employment or business, valid identity and address proofs |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address Proof | Aadhaar Card, Passport, Voter ID, or Driving Licence |
| Income Proof | Salary slips (last 3 months), bank statements (last 6 months), Income Tax Return, or Form 16 |
| Photograph | Recent passport-size photograph |
Since the HDFC Infinia is an invite-only card, you can't apply for it directly. But if you've been an HDFC Bank credit card customer for several years, you can talk to your relationship manager to check whether you're eligible for an upgrade to Infinia.
| Usage Tips | Details |
|---|---|
Maximise SmartBuy Rewards | Book flights, hotels, and shop for electronics through HDFC SmartBuy portal to earn up to 10X reward points and maximise accumulation. |
Redeem at 1:1 for Travel | Utilise the exceptional 1:1 redemption ratio for flight tickets and hotel bookings through SmartBuy, ensuring maximum value from accumulated points. |
Utilise Lounge Access | Make full use of unlimited domestic and international lounge access with Priority Pass during travels for comfort and productivity. |
Leverage Hotel Benefits | Take advantage of ITC Hotels' book 3 pay 2 offer and Club Marriott benefits for leisure and business travels across India and worldwide. |
International Transactions | Use the card for all international spending to benefit from the lowest 2% foreign currency markup compared to standard cards. |
Track Milestone Progress | Monitor annual spending to reach ₹10 lakh threshold for annual fee waiver. |
The HDFC Bank Infinia Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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